Banking and fintech evangelist and a hands-on business and technology leader. Ram has a proven record in operations & technology and an exceptional track record in strategising, executing and delivering on large digital and business transformation programs. This is on a global scale with world leading banks across an array of international markets spanning North America, Central and Western Europe and Asia. Digital Banking and Digital Transformation (Internet and mobile) is a key area of strength with numerous successful customer journey transformations across product lines. Likewise with technology and business product knowledge across consumer assets and liabilities spanning Banking (retail and private banking), Credit Cards, Wealth Management, Mortgage / property services and consumer loans.Ram’s strengths also lie in providing leadership to large teams, building robust systems and processes, building and retaining high performance teams and inculcating ethics and shared values.Specialties: Financial Services Operations and Technology Digital BankingOffshoring and Outsourcing