Seasoned banking professional, Superannuated from State Bank of India on 30.06.2024. Have stellar track-record of around 34 years in leadership positions in middle, senior, and top management. Have in-depth knowledge and expertise for shaping, nurturing and leading a strong organization. Demonstrated capability of driving digital transformation, risk management, retail banking, corporate governance and merchant acquiring business (Digital payment acceptance). Adept at strategic planning, facilitating strategic tie-ups, team building, general administration, operational excellence, and driving business growth through innovative solutions and leadership. Have built core competencies in Digital Transformation, Risk Management, Strategic Thinking and Corporate GovernanceI was instrumental in incubation, setting ups critical functions, strategic tie-ups, and automation of Merchant Acquiring Business (MAB) i.e. Digital Payment Acceptance in SBI. I was also the key person for unlocking the value of MAB for SBI and formation of Joint Venture between SBI and Hitachi Payments and bringing in investment in JV (SBI Payments) by JV partner (Hitachi). Studied the best of payment systems across the globe by visiting their command centers in Atlanta US, Paris France, Brussels Belgium, Dubai UAE, Tokyo Japan as part of due diligence for formation of JV i.e. SBI Payments.As first CFO of SBI Payments, lead the setting up of key functions (Policies & Processes) i.e. Finance & Accounts, Human Resources, Corporate Governance, Risk and Compliance in the Company. To explore the expansion of MAB operations in South Africa, visited Johannesburg, Pretoria etc. did market scanning, met key stakeholders i.e. regulator, Card networks, PASA, merchants.Lead Operational Risk Management, Fraud prevention and Monitoring function in SBI.Headed Proactive Risk Management (protecting customers from Digital frauds using RT and NRT Business Rules) functions in SBI. Daily 6-9 Crore customer originated digital transactions passes through PRM engine.Rich Experience of working as KMP (SBI Payments) and participating in Board and Committee of Board meetings in SBI and SBI Payments. Got unique opportunity to work in Public Sector (SBI), Private Sector (SBI Payments) and Govt of India (SFIO).Lead End to End Roll-out of Core Banking Solution in Bhopal Circle of SBI between 2003 to 2008.Headed 3 Branches, 01 Development Banking Division and 01 Zone.