Accomplished professional specializing in banking risk and finance with expertise in Oracle Flexcube and Oracle Cloud solutions. Proficient in finance transformation, accounting processes, financial controls, reconciliation, and regulatory reporting. Strong capabilities in credit risk, market risk, liquidity management, and non-financial risk assessment, complemented by advanced skills in data analysis using SQL and Python. Experienced in leveraging Hadoop ecosystems and ETL tools for robust data solutions, with a focus on intelligent automation and innovative finance transformation initiatives.
Overview
1
1
Certification
2
2
years of post-secondary education
17
17
years of professional experience
Work history
Vice President – Core Banking, Finance Transformation & Enterprise Data Modernisation
CITIBANK
London, UK
2023.03 - 2026.08
Key Responsibilities & Achievements:
Leading strategic initiatives across Citi's enterprise-wide Core Banking, Finance Transformation, and Data Modernisation programmes, supporting global Banking, Markets, Risk, Finance, Wealth, and Regulatory Reporting functions. Partnering with senior business and technology stakeholders to deliver large-scale transformation initiatives that enhance operational efficiency, strengthen data governance, modernise finance platforms, and support regulatory compliance.
Enterprise transformation: Led enterprise-wide transformation initiatives across core banking, finance, risk, and data domains, delivering strategic solutions that advanced Citi's modernisation and digital transformation agenda.
Business & data transformation: Led business and data transformation activities across finance, risk, markets, securities, lending, payments, and regulatory reporting functions, aligning initiatives with enterprise objectives and regulatory requirements.
Strategic Ledger Programme: Support Citi's Strategic Ledger Programme, a global finance transformation initiative implementing Oracle Cloud SaaS solutions (AFCS, AHCS, GL, FCCS, ARCS) to standardise accounting processes, modernise financial operations, and replace legacy platforms with a centralised strategic ledger.
Cross-Functional Leadership: Collaborate with cross-functional teams comprising Technology, Finance, Operations, Risk, Data Engineering, Product, Governance, and external vendors to successfully deliver complex transformation programmes.
Target-State Design: Partner with senior stakeholders to define target-state processes, operating models, business requirements, and data strategies that support organisational growth, regulatory compliance, and operational excellence.
Data governance: Drove enterprise data governance initiatives, including data quality management, data lineage, reconciliation controls, metadata management, and operational monitoring, enhancing data integrity and transparency across the organisation.
Regulatory Compliance: Support compliance with global regulatory requirements including FCA, SEC, and EMIR through implementation of robust, controlled, auditable, and traceable data processes.
Data Analytics & Innovation: Leverage SQL, Python, Hadoop, Data Lake technologies, and advanced analytics to drive innovation, automation, and data-driven business outcomes.
AI-Ready Foundations: Enable AI-ready and data-driven transformation initiatives by establishing trusted enterprise data foundations that support innovation, advanced analytics, automation, and future digital capabilities.
Global Program & Implementation Lead / Project Manager
ORACLE FINANCIAL SERVICES SOFTWARE
, Global
2010.01 - 2023.01
Key International Assignments & Achievements:
Delivered end-to-end core banking, treasury, and risk management software implementations for major global financial institutions. Managed complex project lifecycles, product parametrisation, data migration, and post-go-live support across multiple international jurisdictions.
Tokyo, Japan (Shinsei Bank): Led end-to-end FLEXCUBE v12 implementation covering Lending, CASA, Deposits, Payments, ATM, and Core banking with integrations (Zengin, Murex, Credit Bureau), data migration, and advanced features like 24/7 banking and complex deposit/loan products.
Kuala Lumpur, Malaysia (SME Bank): Managed derivatives implementation (IRS, CCS, FRA), overseeing product setup and lifecycle processing (revaluation, settlement) while ensuring effective post-go-live support.
Cairo, Egypt (Credit Agricole): Implemented treasury and investment modules, including Money Market, Securities, and Options, managing deal lifecycle and portfolio management for derivatives (options, swaps).
Taipei, Taiwan (Taipei Fubon Bank): Worked on Trade Finance, Core, CASA, and Collateral Management with focus on product parametrisation, SWIFT integration, and end-to-end transaction lifecycle.
Bengaluru, India (Citibank Project): Supported Loan Syndication and Secondary Trading customisation, developing functional specifications, conducting testing, and facilitating reconciliation flows and integration between loan and trading modules.
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.