Sanjeev Rai Email & Phone Number

San Francisco, California, Us

Leading core banking strategic initiatives and roadmaps for Consumer and Commercial Banking with emphasis on long term and short term deliverables. Leading banking engagement with external partners viz. FIS, Q2. Focusing on solutions roadmap and innovation.

Providence, Rhode Island, Us

Led the digital strategic solution for Consumers and Small Businesses. Defined product vision and influenced senior leaders on roadmap, strategy and lifecycle management to drive adoption and engage 2 million mobile banking consumer.  Collaborated with senior management, business, technology, and analytics partners to prioritize and deliver on the strategic vision. Owned product roadmaps from concept to product delivery, focusing on delivering exceptional customer experience and creating efficiencies. Directed a highly skilled team of Product Owner, Business Analysts, Scrum Master, Data Analyst, Data Architect, Tech Leads, Developers, UX Design Lead, and Testing to build a mobile channel roadmap and deliver features that resulted in improvement from 15th to 7th in 2023 JD Power Consumer Banking Satisfaction Study. Improved mobile NPS. Managed digital solutions for consumers and small businesses with a focus on process automation and data-driven solution for Deposits, Credit Cards, and Lending Products including Mortgage and Student / Auto Loans. Planned OKRs to align with business objectives and tracked them through an Agile framework using Jira / Sprint planning, Backlog management, Sprint velocity, and mapping. Coordinated with release management on production releases, signoffs, and release notes on the product / functionality, ensuring implementation and production support.

Bangalore, In

Led new business initiatives partnering with global banks. Served as the product owner, tasked with creating a business solution for cash management, mortgage solution, credit, and fraud risk for banking products. Created a fraud risk framework for instant account verification and fund transfer. Initiated and delivered digital deposit campaigns. Collaborated with senior management to understand the vision and strategy. Designed a solution that enhanced customer experience and as a business enabler drove process efficiency and cost-effectiveness. Led and implemented digital solutions for deposits, card debit / credit cards, IAV, mortgages, and consumer credit risk. Benchmarked with best-in-class business solutions across the banking and financial services industry. Led and implemented reporting automation to track adjustment transactions across multiple source systems and business lines. Created a fraud management framework for digital banking by collaborating with the risk unit, IT, operations, data governance, and compliance.

Cincinnati, Ohio, Us

Managed strategic solutions on regulatory reporting and lending solutions framework to Consumer, Credit Risk, and Finance LOB. Provided functional expertise and technical solutions. Led automation of reporting for credit and risk. Identified and automated critical reports at the enterprise level. Ensured that regulatory reports were compliant. Designed and implemented credit and operations risk policy and process for mortgage and SBL. Led regulatory reporting projects including CCAR, CECL, AQR / Asset Quality, LMR, and GL reconciliation. Designed a solution for consumer banking to track KPIs at Financial Centre, Region, and Branch levels that also covered KPIs for bank officers, branch managers, regional managers, and the financial center manager. Created data governance for critical data elements. Ensured data quality rules were defined and implemented, analyzed data quality issues, conducted root cause analysis, and created a remediation framework.

Pune, Maharashtra, In

Led lending product development and implementation for Secured and Unsecured lines of business (Mortgage, Construction equipment, Salaried, and Business Loan). Managed credit and operations processes. Created a credit risk framework resulting in customer segmentation for lending products. Delivered 20% Y-O-Y cost improvement by reengineering through innovation and ideation. Designed and implemented products, policies, and processes for Credit underwriting and Operations. Developed internal control evaluation process. Recognized as instrumental in executing the Credit Operations framework. Collaborated with business partners – product, risk, compliance, and project managers to discuss and identify product features. Identified best practices and ensured that they were followed and documented in SOPs. Drove customer segmentation and helped faster processing by lean methodology - automation and eliminating NVAs, resulting in best-in-class customer experience, better product, and portfolio quality. Monitored and managed credit operations for lending products. Completed portfolio reviews and reporting as part of monthly reporting to senior management. Teamed closely with the CRO, CCO, and COO. Created and implemented the governance, standards, and delivery capability to enable execution of Operations Excellence priorities, partner with key stakeholders to ensure alignment and leverage of best practices. Managed all India operations across 60 cities, ensuring KPIs and SLAs were delivered. Documented standard operating procedures for all the operational processes duly approved by the business, compliance, risk, and IT.

Mumbai, Maharashtra, In

Led the lending and payment operations team and implemented business model/processes for financial services products. Setup operations unit across branches and led operational activities at centralized and decentralized locations. Managed joint ventures with business partners to finalize business model, system requirements, products, policies and processes.

New York, Ny, Us

Managed global banking solutions for compliance and operational domain across Geos for India, Singapore, and Germany. Supervised business projects specialized in banking solutions / consultancy. Managed lending and wealth management banking backend and frontend operations. Created SOPs and process mapping workflows focusing on customer experience and process controls. Led securitization implementation for unsecured consumer and small business loans. Oversaw the business system migration from a local country-specific system to a global banking platform for the Germany, India, and Singapore markets. Customized system behavior by understanding key country-specific needs. Managed portfolio and product migration for wealth management and lending products from Amex Bank to Standard Chartered Bank. Achieved full compliance with regulatory reporting for Amex Germany.

Managed Retail Banking, Retail Loans, Credit Underwriting / Risk.