Nirmal Kumar Email and Phone Number
An accomplished and visionary leader who strongly emphasizes crafting innovative enterprise solutions to organically enhance business capabilities. Dynamic and results-oriented, with a proven track record of successfully achieving strategic objectives.Extensive expertise in leading enterprise technology and product transformation initiatives, focusing on transformation for digital banking. Proficient in transforming customer journeys, driving enterprise cloud adoption, enabling digital payments, and optimizing merchant payment acquisition processes. Experienced in building AI strategies for finance industries, and managing back-office enterprise technology for core banking. Adept at inspiring and motivating cross-functional teams to deliver exceptional results. Demonstrated skills in strategic planning, team development, and effective communication. Passionate about fostering a culture of collaboration, innovation, and continuous improvement.Core Strengths:Digital Strategy and Execution | Digital Customer Experience | Payments Technology | Innovation and Cloud Technologies | Stakeholder Engagement | AIML / Gen AI applications PATENTPatent for QuickAccept #90165431 - Credit Card Payment Acceptance through the Chase mobile app.KEY INITIATIVES• Building AI Product Strategies for finance industries - Conversational Banking, AI-Based Customer Experience, Zero-Shot and Few Shot Learning, Routing Agents, Democratization of AI, o Understanding Risk with Gen AI • As a head of digital technology, led multi-year product strategy for core banking transformation, merger & acquisition, and digital technology platforms for - Online and Mobile banking, Open API Platform & Cloud Migration, etc.• As head of Chase digital product for Merchants, led digital transformation for Chase merchant business including Account receivables - payment collection, onboarding, and reporting.
Mufg Union Bank, N.A.
View- Employees:
- 689
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Head Of Digital Technology Products (Svp)Mufg Union Bank, N.A. Dec 2020 - PresentDallas, Texas, United States# Digital technology product leader for consumer and business banking – managing Omni-channel digital banking products (including digital wires, payments, servicing products, and bill payments) serving 1.2 mm customers.# Led digital transformation strategy for consumer and business banking to modernize digital platforms and secure vulnerable applications, with a global team size of 200 plus and a technology budget of $40+ MM.# Security vulnerability management leader to mitigate 100+ application vulnerabilities via tools like static (SAST) and dynamic scanning (DAST), platform upgradation, and secure testing of applications.# Created capability teams to lead digital transformation across bank and branch operations supporting Union Bank back office (for mortgage, loans, KYC, etc.) for 400+ branches.# As a digital transformation leader, partnered with business groups to help them grow and resolve multiple issues o Customer digital issues with enhanced digital authorization/authentication framework o Introducing new digital products like Zelle, mobile check deposit, etc. o Branch issues by introducing new back-office automation.# During merger sales with US BANK, led acquisition to migrate digital applications and customer data.#
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Head Of Digital Product For Small Business (Executive Director)Jpmorgan Chase & Co. May 2017 - Dec 20208181 Communications Pkwy, Plano, TxAt Chase, led digital transformation and platform modernization of merchant business to enhance digital adoption from 4% to 85% with over 70% customer engagement.• As head of digital product for merchant business, I led merchant strategy, product roadmap, and product development for “QUICK ACCEPT” (Chase registered and trademark product) to enable merchant customers to collect digital payments on the go and help merchant clients accept payments within the One Chase App.• Created digital product capability teams to ring-fence the product development and high throughput.• Built a multi-year digital product strategy for merchant payment products to enhance - 1. Accounts Receivable experience for merchant clients – by accepting card payments through a mobile app (Quick Accept) and NFC Card Reader ( as optional) 2. Modernizing merchant experience to POS 3. Generating and accepting payment via mobile payment link 4. Same-day deposits for merchant transactions 5. Integrating merchant payment transactions with deposit accounts and producing a 360-degree view 6. Single Sign capability on merchant-handled devices 7. Enhanced operational performance with digital dispute resolution and fraudulent transactions.• I also led the Digital Payments API strategy for external partners to integrate with Chase Merchant & deposits. -
Global – Technical Product Manager (Vp)Bbva In The Usa Sep 2016 - May 2017Dallas, Texas, United StatesResponsible for leading Salesforce Global Connect platform for Commercial Banking Products for RM’s, Personal Financial Management, and click Auto loan products with a global team of 80 and a budget of 15MM.• Led global web and mobile development for BBVA financial and investment banking. -
Technical Product Development And Delivery Lead, Digital (Vp)Barclays Jul 2013 - Aug 2016Mckinney, TexasOversee development and delivery of digital application across Barclays - web and mobile channels, with teams spread out globally. Driving agile development programs, innovations programs and business use cases for ecosystem programs.Delivered - Digital Transformations programs on internal cloud, IOS and Android platforms like BTAP.Led the development and delivery of digital products across Barclays - web and mobile channels with a global teams and multi-million dollar budget.• Led Barclays Open Security SDK (BOSS) platform, a personal and corporate bank initiative to integrate all Barclays-developed Apps and 3rd party APPS using the API platform.• Led digital transformation of Barclay’s wealth platform (Smart Investor), an online wealth and investment platform on retail online banking stack to enhance self-directed customer engagement in real time. • Led digital contactless NFC payments, an Android contactless payment platform to allow Barclays consumer customers to use contactless payment during Barclay’s sponsored events. -
Delivery Lead / Sr. Application Architect ( Consulting)Bank Of America Aug 2012 - Jul 2013Dallas/Fort Worth AreaResponsible for delivering Consumer Card programs and oversee technical architecture and design.Highlights :1. Transformation project 2. Global Team using Agile methodologies.3. As a product owner, responsible for laying technical strategies, project timeline, estimation and resource planning -
Technical Product Lead ( Consulting)American Airlines Jan 2010 - Aug 2012Dallas/Fort Worth AreaResponsible for leading technical Architecture, Design and Development for Airport Automation projects. Involved in release management of self service check-in and curbside machines. Managed run team for periodic releases.Delivered: 1. American Airlines Self Service Check-in Machine - Enhancements2. Curbside Check-in System ( Application and Infrastructure)3. 3D Boarding PASS and BagTag enhancements.
Nirmal Kumar Education Details
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Post Graduate Program In Artificial Intelligence And Machine Learning -
Information Technology -
Computer Engineering
Frequently Asked Questions about Nirmal Kumar
What company does Nirmal Kumar work for?
Nirmal Kumar works for Mufg Union Bank, N.a.
What is Nirmal Kumar's role at the current company?
Nirmal Kumar's current role is Head of Digital Technology Products | Digital Transformation | Product Mordernization | Enhancing Customer Experience | Digital Payments | Securing Platforms.
What schools did Nirmal Kumar attend?
Nirmal Kumar attended Texas Mccombs School Of Business, Cornell University, Nagpur University.
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