A Business Technologist with more than thirty+ years of work experience in Information Technology and Banking domain having spent major part of the Banking career (16+ years) in two of the large banks viz State Bank of India and ICICI Bank. Career initiated in functional banking and moved to Information Technology division in Banking as a IT Manager in 1987. Also worked in the US of A for three years as a Database consultant in public and private sectors for Big Data & Analytics projects. Successful roles as Business Consultant, Account/Client Relationship Management & Delivery for managing projects related to Business Intelligence, Data Management/Warehousing & Banking applications. Currently an Independent freelance consultant supporting FINTECH sector in evolving ways of making financial businesses profitable with appropriate use of technology. A lifelong learner always looking for new ways to improve my skills with an interest of supporting education awareness within institutions and in the Fintech sector. With my extensive background in Business & Technology, I can offer valuable consulting services across all business areas. I confidently provide insights and advice to improve business operations and growth.INDUSTRIES have included primarily service sector - Banking as also Utility Systems, Manufacturing and Government Agencies.Applications implemented, managed and developed have included Banking Applications, Business Intelligence, Data Warehousing, Information security, Web based, Intranet, Electronic Wire/Funds Transfer, ATMs, S.W.I.F.T., Accounting, Human Resources, product Invoicing, purchasing, Computer Utilization and Telecommunications with expertise in vendor management.