I help banks and BFSI professionals solve real operational problems, complaints, inefficiencies, and compliance risks. Over 23+ years in leadership roles, I’ve handled large-scale branch operations and regulatory frameworks. If you're struggling with: High customer complaints Weak escalation systems Operational inefficiencies I can help you fix it with practical, real-world strategies. Senior banking and operations leader with over 25 years of experience in retail banking operations, regulatory compliance, operational risk management, and digital transformation within large-scale banking environments. Most recently Senior Vice President and Group Head – Retail Banking Operations at Axis Bank Ltd. until September 2025. Axis Bank is one of India’s leading private sector banks with a nationwide branch network and diversified retail and corporate banking portfolio. In this role, I led multiple national functions including process and product governance, operational risk and controls, transaction monitoring, and enterprise-wide learning and capability development. I was responsible for end-to-end branch banking operations across 6,500+ branches, focusing on process standardization, audit readiness, regulatory compliance (RBI inspections), and customer journey optimization. My work directly addressed key client problem areas such as reducing operational risk, improving audit outcomes, enhancing customer experience, and enabling scalable growth in regulated environments. I have deep expertise in RCSA (Risk Control Self-Assessment), internal audits, fraud risk mitigation, regulatory inspections, and control framework design, making him well-suited for advisory on risk, compliance, and governance in banking and fintech models. I also led large-scale workforce capability building, designing and deploying digital learning programs for 54,000+ employees, focused on compliance, operations, and customer experience. I have hands-on experience in change management, policy implementation, and driving adoption of new systems and processes across distributed branch networks. A key highlight of my recent experience includes leading the post-merger operational integration of Citibank’s consumer banking business into Axis Bank, including policy harmonization, process alignment, risk controls, and frontline capability building. I bring strong insights into post-merger integration, legacy system alignment, and cultural/operational transition in banking environments. Prior to this, I served as Vice President and Circle Head – Branch Control Unit (Gujarat West) at Axis Bank from April 2018 to April 2022, where he managed 226 branches and currency chest operations, with full accountability for operational risk, compliance, audit performance, and customer grievance redressal. Ranked #1 nationally for four consecutive years on Overall Retail Branch Operations and Branch Operational Health Index.