Design and build of a Digital Bank for SME / Large Corporates. Roll out of a 3 year IT road map addressing Infrastructure (Cloud) , System Architecture & Governance framework.Centre of Excellence platform set up to create and sustain standards geared to best practices and adopt/adapt innovative developments.

Program Advisory with Top 4 Consulting firm for select clients Mentored startups in USA, IndiaBusiness/Operating model redesign and implementation in multiple domains

Job brief covered Systems , Operations , Quality Assurance , Customer Experience, Service Excellence & Service Delivery with a focus on building a market leading service platform leveraging on digital initiatives.Off shoring model leverage - AED 28 MM save per year with 52% FTE reduction in spite of 25% business volume increase.Pan Bank process improvement initiative-250+ workflows mapped /AED 20 MM save.3 year IT Roadmap developed with Accenture - investment outlay/project slate covers System Architecture/Operating Model/Data Governance/ Cloud Strategy.

Enterprise Transformation covering functions /activities grouped under the Operations , Technology & Business Transformation Divisions." Go Live " of the Core Banking system ( T24 -Temenos ) in February 2016 with implementation completed within a challenging time frame of 2 years and within budget. The digital core platform positioned the Bank for strategic initiatives like Omni channels/CRM/Analytics.The refurbishment of key branches in the network incorporating design elements reflecting the strong traditions/cultural values coupled with a customer friendly and progressive business approach complemented changing enterprise strategy.

A boutique Advisory/ Management Consulting entity with a focus on : Organisational Development - Structure / Strategy/ Human Capital Enterprise Transformation Programs / Business Change Management Business Technology Initiatives Business & Operating models - Definition/Review /Set up Customer Experience Management - Service Delivery / Service Quality Shared Services platforms set up/review/management Business Process Outsourcing - identify & migrate suitable processes Process Management - define work flows & establish productivity standards Business Process Reengineering - functional as well as enterprise wide Project Management - set up & management of Project Management Office (PMO) Human capital - Career Development/ Succession Planning/Team Building Engagements in Hospitality , Education , Retailing & Healthcare domains.

Engaged initially as Advisor to the Chairman as part of the Enterprise transformation initiative in establishing an operating model that supports market leading business practices coupled with customer focussed initiatives. • Set up of an Enterprise Program Management Office • Restructuring Operations & Technology functions to deliver change agenda. • Managed Services/ BPO partner proposition assessment • Roll out “Branch of the Future” for 112 branches (28% of network). • Design/ implementation of Alternate Delivery Channel migration strategy. • Branch Renovation Program to roll out new corporate identity. • FLEXCUBE implementation • Revamp of core processes for FLEXCUBE deployment. • Consolidation and streamlining of Management Information.• Trade Finance centralization / rationalization of processing centers • Centralization of back office processes • HR strategy for the entire range of Support functions.

Responsible for all support functions of the Bank - Finance , Operations , Risk , Technology & AdministrationBalance sheet growth from below USD 2 billion to over USD 5 billion in 2 years with net profits moving up from around USD 35 MM to nearly USD 100 MM. Expanded branch network from 8 to 20 in a timeline of 18 months. Achieved BBB+ ratings from Capital Intelligence /Fitch in 2007 which was then upgraded to A- in 2008 Established new Head Office and Data Center with state of the art communication network.A completely outsourced model for Call Center implemented as a first in the local market.

Conceptualised and implemented the centralisation of the entire back office on a shared services model which could facilitate the outsourcing of the complete range of non customer facing functions. Effected the complete outsourcing of cash management which was a market leading initiative and resulted in an extended service window for large cash volume customers. Led a Bank wide restructuring project in liaison with an external consulting firm that focussed the front office on sales & service. Re engineered 300+ processes that resulted in savings of 150+ FTE

Implemented "Branch of the future" concept with modified work flows and redesigned branch layout.Leadership of Branch front end and Trade Finance automation projects.Managed Policy & Procedure Development project Bank wide. Consolidated back office functions on a shared services framework with a view to outsource non value added tasks/functions.

Set up Service Quality function for a start up Bank

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