Krishnaswamy Ramji Email & Phone Number

Mumbai, MH, IN

Mumbai, Maharashtra, IN

• Spearheaded Digital Transformation Program, collaborating with CXOs to shape the roadmap and executing industry-first strategies, benchmarked against global standards.
• Rolled out persona-specific mobile solutions enhancing customer experience, operational efficiency and collaboration, achieving best-in-class usage levels exceeding 90%.
• Pioneered a first-of-its-kind program leveraging IoT and ML to optimize resource allocation through scalable, innovative solutions.

Mumbai, IN

• Led the transformation of MyUniverse into a multi-asset digital financial services platform, securing investment from IFC.
• Developed India’s first 1-click digital platform for customized investment portfolios.
• Designed and launched India’s first Personal Finance mobile app, reducing customer acquisition costs by over 150%.
• Launched India’s first digital ‘Instant Personal Loan’ marketplace, connecting with twenty banks and NBFCs.

Mumbai, Maharashtra, IN

• Led the development of www.myuniverse.co.in, a digital Personal Finance Management platform, with a unique customer value proposition.
• Managed cross-functional teams to align with business objectives and go-to-market strategies.
• Ensured successful product delivery by managing the PMO alongside the CTO. Integrated 12+ applications and infrastructure partners to ensure successful product delivery.

Mumbai, Maharashtra, IN

• Drove net banking payments growth through product innovation and digitization.
• Led a cross-functional initiative that reduced application rejects, resulting in a more streamline online account opening experience and enhancing sales channel throughput by over 30%.
• Boosted net banking transaction spends to industry-leading levels by developing a unique shopping platform and leading national marketing efforts.

Mumbai, Maharashtra, IN

• In my role at ICICI Bank, I successfully led the team to win industry awards and launch innovative products, resulting in significant growth for the company.
• Led the team to win "The Asian Banker Excellence Award" for Best Business Model Innovation.
• Launched premium NRI products, doubling customer balances and boosting market share by 5%.
• Enhanced channel contact through on-boarding programs, doubling fee income and increasing average balances by over 35%.

Mumbai, Maharashtra, IN

• Developed India’s first instalment-based credit card, the “EMI Card,” in collaboration with Fair Isaac, increasing market share.
• Led the development of “Insta POS Loan” and new risk-based pricing models, boosting revenue contribution from loans business to 35%.
• Drove POS branding and usage through national alliances with major retail brands.

Mclean, VA, US

• In my role at Capital One, I managed portfolio metrics for the US Cards Business, forecasting losses for different segments and developing profit models to optimize financial performance.
• Managed Prime, Super Prime, and Sub Prime segments.
• Forecasted losses for Lifestyles and other Subprime segments.
• Developed profit models to enhance financial performance.

New York, New York, US

Spearheaded the development and rollout of Citibank’s proprietary ECS (Enhanced Cards System) across 18 countries, optimizing credit card operations and driving customer acquisition.- Led the development and implementation of ECS, managing over 5 million cardholders.- Streamlined new credit card business launch cycles, cutting timelines by 90% and reducing.

Gurgaon, Haryana, IN

Spearheaded training initiatives for corporates and students, focusing on IBM Mainframes and enterprise system technologies, ensuring skill development aligned with industry needs.- Led a faculty team to design and deliver training programs on Systems Design, Structured Programming, and enterprise technologies like COBOL, SQL, CICS, VSAM, and DB2..

Master Of Business Administration (Mba), Marketing And Finance

Be, Computer Science