IT transformation leader with over 20 years of global experience spanning Banking & Financial Services, E-commerce, IoT, and Regulatory Technology. I bring a unique blend of Techno-Functional expertise, having held roles from hands-on engineering to senior leadership across both top-tier IT firms and retail banking organizations. My journey includes building and leading global technology programs, developing credit risk assessment platforms for MSMEs, implementing ERP across 22 countries, and delivering AI-driven digital products for regulators like the RBI. I've led large-scale digital transformation initiatives, built cloud-native platforms (AWS, Azure), and implemented microservices, DevOps, and AI/ML solutions at scale. Core Areas of Expertise: Technology Strategy & Transformation (BFSI, Regulatory, E-commerce, IoT) Platform Engineering (Java, Microservices, Python, Big Data) Cloud & DevOps (AWS, Azure, SaaS/PaaS, CI/CD pipelines) Cybersecurity & IT Governance (ISO 27001, RBI, VAPT, SOC2) Digital Product Development & AI-led Automation Portfolio, Program & Delivery Management (PMP, Agile SAFe, Scrum) Stakeholder & Partner Management (CxO-level collaboration) Customer Experience & CRM Strategy 🏆 Leadership Highlights: CTO & Global Engineering Head roles with full accountability for strategy, delivery, and people Successfully led programs for Apple, Amazon, UBS, KeyBank, AXA, Dun & Bradstreet, Ingram Micro Delivered major programs like: Credit Risk Platform for MSMEs ERP Rollout across 22 countries IoT Platform for Smart Infrastructure Digital Banking Ecosystem for RBI Built and scaled high-performing teams across India, GCC, US, EU, and APAC Driven 40%+ improvement in team retention through succession planning, coaching, and recognition 🎯 Passion: I’m passionate about driving business-aligned digital transformation, building sustainable tech ecosystems, and empowering diverse, cross-functional teams to deliver innovation with impact.