Certified Data Scientist and visionary technology consultant with 18+ years of proven leadership across the banking, fintech, and digital payments landscape. A trailblazer in core banking transformation (T24, Finacle, Pumori), enterprise IT modernization, and data-driven digital banking strategy. Specialized in architecting neo-banking ecosystems using cloud-native, API-first, and Banking-as-a-Service (BaaS) models to accelerate agile fintech innovation. Expert in driving data governance and building unified AI powered big data and analytics platforms that enable intelligent banking operations. Successfully leveraged AI/ML, Generative AI, and Agentic AI to automate decision-making, detect fraud, forecast risk, enhance credit scoring, and deliver hyper-personalized customer experiences. Adept at integrating open banking APIs and designing omnichannel digital banking platforms that ensure seamless customer journeys while maintaining regulatory compliance. Known for modernizing legacy systems into real-time, data-centric architectures that support scalable, secure, and resilient digital finance solutions. A strategic thinker and innovation leader with deep experience in managing cross-functional teams, vendor ecosystems, and regulatory stakeholders. Passionate about embedding future-ready AI technologies at the core of banking to reimagine customer engagement, compliance, and operational efficiency.