I bring 20+ years of global experience leading enterprise-scale programs across banking, fintech, and retail, with deep focus on program management, digital innovation, and business/process transformation. As a former CTO and Director (Global Delivery , Project & Program , Technology ), I’ve delivered high-impact initiatives — from implementing (i) core banking systems like Finacle and UPI , (ii) Omnichannel Retail like Oracle retail , to building eKYC and AI-powered fraud detection platforms. I’ve managed portfolios across India, SE Asia, the Middle East, USA and Europe, leading cross-functional, multi-location teams to success. My specialties include: -Digital Banking & Fintech Transformation -Retail Omnichannel and eCommerce Transformation -AI & ML in Fraud Detection -Program Governance & Compliance (AML, Cyber Laws , eKYC) -Finacle( implementation, integration and DB migration) , Pega (CS, Collections , LOS/LMS), Oracle Retail (POS,SIM,MOM),ERPNext , Java/J2ee , SD-WAN , Clustered , Hybrid and cloud strategy. I’m passionate about building scalable, secure, and customer-centric technology ecosystems. Let’s connect if you’re looking for leadership in solving complex challenges in the digital finance world.