Events

Mr. Atul Kumar Goel joined IBA as Chief Executive on 11^th March, 2025. Prior to this, he was MD & CEO of Punjab National Bank (Government owned Bank) from 01.02.2022 to 31^st December 2024. Before moving to Punjab National Bank, Mr. Goel was the MD & CEO of UCO Bank (another Government owned Bank) from 2^nd November 2018 to 31^st December 2021. Before moving to UCO Bank, he has served as Executive Director in Union Bank of India from 15^th September 2016 to 01^st November 2018. He also held the position of Chairman, IBA from 14.10.2021 to 21.03.2024. Besides this, Mr. Goel chaired Standing Committee on Accounting Standards & Taxation and Standing Committee on Retail Banking of Indian Banks’ Association (IBA).

He is a seasoned banker with three decades of Professional Banking Experience in four different Government Owned Banks in India. As a qualified Chartered Accountant, he has vast experience, exposure & expertise in all major areas of banking including Large Corporate, Treasury Management, Risk Management; Financial Planning & Investor Relations apart from Support Service, Business Process Transformation, Compliance etc.

Mr. Goel was instrumental in turning around UCO bank into a profitable bank during his stint as MD & CEO of the bank.

Besides his banking exposure, he held positions as Director on the Board of The New India Assurance Co. Ltd., The Oriental Insurance Company Ltd., PNB MetLife India Insurance Co. Ltd., Star Union Dai-ichi Life Insurance Co. Ltd. (Sud Life) and PNB Housing Finance Limited. He is also a member of the Governing Council of Indian Institute of Banking and Finance (IIBF), Institute of Banking Personnel Selection (IBPS) and Institute for Development and Research in Banking Technology (IDRBT).

Jyoti is a business economist by training and a seasoned industry leader with nearly three decades of work experience with apex Indian industry associations. Through the years, she worked across multiple sectors and with a large set of stakeholders on policy and business issues. She is currently responsible for overseeing the operations of FICCI including its outreach to members of Indian industry across sectors and regions.

Jyoti regularly interfaces with senior government officials, multilateral organisations and industry leaders on large number of economic issues and projects. She has contributed to several policy initiatives of the government aimed towards enhancing the ease of doing business in the country and improving the competititvess of Indian industry. She has been part of government committees on various subjects and has handled numerous projects with multilateral organisations.

She also contributes to the investment promotion activities of the government.

Prior to her appointment as the Director General, Jyoti had led teams looking after multiple areas including economic affairs, financial services, corporate laws, corporate governance, taxation, manufacturing, agriculture, small and medium enterprises amongst others. Besides policy areas, Jyoti has also worked in institutionalizing important centres of excellence at FICCI such as the FICCI-Aditya Birla Centre for CSR and the FICCI Centre for Sustainability Leadership.

Jyoti is an alumnus of the Shri Ram College of Commerce, University of Delhi and Department of Business Economics, University of Delhi.

Shri Kalyan Kumar is the Managing Director & Chief Executive Officer (MD & CEO) of Bank w.e.f. 30^th September, 2025. Prior to this, he served as an Executive Director at Punjab National Bank.

Shri Kalyan Kumar is a Post Graduate in Agri Science from Rajendra Prasad Agriculture University, Pusa. He is also a Certified Associate Member of Indian Institute of Bankers (CAIIB) and holds various certifications in Trade Finance, SME Finance, IT Security and KYC-AML from Indian Institute of Banking and Finance (IIBF).

Shri Kumar started his journey in Union Bank of India as Rural Development Officer in 1995 and has served the Bank for more than 26 years in various capacities. He worked as the Branch Head in various categories of branches which also include VLBs (Very Large Branches). He was also the Principal of the Staff Training College. In the Corporate Office, he aided in the Bank’s Business Process Transformation, Credit Review & Monitoring and Vigilance. The successful amalgamation of Andhra Bank and Corporation Bank into Union Bank of India was steered under his supervision and guidance.

Shri Kumar served as an Executive Director of Punjab National Bank and as Chairman on the Board of its two subsidiaries i.e. PNB Gilts Ltd. and PNB Cards & Services Ltd. He was the nominee member of Board of Governors of Management Development Institute (MDI) Society. Shri Kumar was on the Board of IIFCL as SCB nominee Director and on the Board of NIBSCOM as Chairman.

He is Governing Board Member on IIBM (Indian Institute of Bank Management) and Member of Manging Committee at IBA (Indian Bank’s Association). Recently, he is appointed as member of CII National Committee on Banking and External Member on College Advisory Committee of College of Agriculture Banking (CAB)-RBI.

Shri Kumar has undergone the FSIB Training Program for Top Leadership Development and Director Development Programme, conducted by Egon Zehnder in collaboration with Harvard University.

Shri Rajneesh Karnatak has assumed charge as Managing Director & Chief Executive Officer of Bank of India on 29th April, 2023. He was Chief General Manager of Punjab National Bank until his appointment as Executive Director in Union Bank of India from October 21, 2021. He is a post Graduate in Commerce (M.Com) and is a Certified Associate from Indian Institute of Bankers (CAIIB).

Shri Karnatak has a rich banking experience of over 30 years and carries varied branch and Administrative office experience. As General Manager in erstwhile Oriental Bank of Commerce, he has headed verticals such as Credit Monitoring, Digital Banking and Mid Corporate Credit. Post amalgamation of Oriental Bank of Commerce into Punjab National Bank, he has also headed Credit Review & Monitoring Division and also Corporate Credit Division in Punjab National Bank.

Shri Karnatak has attended various training and Leadership Development Program from IIM-Kozhikode and JNIDB Hyderabad and has also taken part in Advance Management Programme at IMI (International Management Institute) Delhi & IIBF (Indian Institute of Banking & Finance). He was a part of 1st batch of Senior Officers selected by Bank Board Bureau for Leadership Development Program of IIM Bangalore & Egon Zehnder. He carries credit appraisal skills including project funding & working capital funding along with Risk Management with specific reference/ special emphasis on Credit Risk.

Shri Karnatak has served as Non-Executive Chairman of UBI Services Ltd., on behalf of Union Bank of India. He has also served as Non Independent Non-Executive Director on the Board of UBI (UK) Limited. He was a member of the Governing Board of Indian Institute of Bank Management (IIBM) Guwahati. He has served as Nominee Director on behalf of Punjab National Bank on the Board of PNB Housing Finance Ltd., and India SME Asset Reconstruction Company Limited. He also served as Board Trustee on IAMCL (IIFCL Asset Management Co. Ltd).

He is serving in various Committee’s  of IBA , IBPS & NIBM etc. He is Chairman of the Committee on IBA Sectoral Committee on IFSC GIFT City – Banking Units of IBA, Chairman of IBA Wage Negotiation Committee for discussion on Residual Issues, Chairman of IBA Standing Committee of HR & IR and Chairman of the Finance Committee of IBPS. Also, he is Member of the Governing Board in IBPS & NIBM.

Shri Ashutosh Choudhury is a Senior Management professional with 25 years of Experience across public / private / cooperative sector banks in handling both business function and risk functions. He did MBA in Finance from Pune university and Completed Executive management programme (2019-20) in leadership development from IIM Bangalore in the first batch of Banking Board Bureau (now FSIB)

He assumed charge as Executive Director of Indian Bank on 03rd May 2023. As Executive Director of Indian Bank, he handled portfolios like Corporate & Institutional Credit, Mid Corporate Credit, Human Resource, Accounts & Investor Relations, Subsidiaries & Joint Venture, Planning, Cash Management Services & Supply Chain Finance, Credit Monitoring, Risk Management & Fraud Risk Management, Information & Cyber Security, Estate, Change Management & Digital Adoption, Information Technology, Digital Banking & Digital Business & FinTech Partnership etc.

Prior to joining as Executive Director of Indian Bank, he has served as Chief General Manager & Group CRO of Punjab National Bank. (2021-2023). He served as Zonal Head (2020-2021)., Hyderabad at PNB, top 5 zones in terms of business, and handled business & administrative decision of 440 branches, 7 Circles, 5 Mid Corporate Credit Centres, 5 Retail, Agri & MSME Credit Centres, 3 GBVs & 7 CACs in three states of AP, Telengana & Karnataka. As General Manager, he handled portfolios like Retail Credit, MSME, Financial Inclusion, digital lending etc., improvised credit strategy and strengthened digital lending, fintech and other digital platforms at OBC and PNB, while leading large-scale teams (2017–2020).

Over the course of his service, he has exposure in managing and balancing diverse stakeholders including DFS, regulators, investors, business partners, customers, employees. He is a market savvy leader with an entrepreneurial approach and innovative bent of mind to drive business in a regulated environment which is evident when he established Industry Research Desk, Business Intelligence Unit and EWS for Corporate Credit in PNB.

His proven experience in growing and scaling business lines, operational process and product lines is visible when he implemented Straight through processing of retail and MSME loans in 2017 through Analytically driven Underwriting, Scorecards, BRE and API environment. Further, he has changed Corporate Credit underwriting process in Indian Bank through Data-Driven Digitization. This proves his understanding of technology and ability to leverage the same for advancement of banking operation, process and product. Apart from these, he has high sense of integrity, strong persuasive and passionate communication skills.
 

Rakesh Singh is the Executive Director and Chief Executive Officer (NBFC) at Aditya Birla Capital Ltd. Since joining the Aditya Birla Group in 2011, he has been instrumental in driving the growth of both the Non-Banking Financial Company (NBFC) and Housing Finance sectors. With nearly 3 decades of experience in financial services, Rakesh has honed his expertise in both banking and non-banking financial companies. 

Under his leadership, the NBFC business provides comprehensive lending, financing, and wealth management solutions to a diverse customer base across India and is registered with the Reserve Bank of India (RBI) as an Upper Layer NBFC. Rakesh is an active member of various industry forums and shares his insights as a member of these forums. 

Prior to joining Aditya Birla Group, Rakesh spent 16 years at Standard Chartered Bank, where he held various leadership roles, including Head of the Mortgages Business in India and General Manager & Head of SME Banking for India and South Asia. 

Rakesh is an alumnus of Harvard Business School’s Advanced Management Program and the Indian Institute of Management, Calcutta. He also holds a postgraduate degree in International Relations.
 

Professional Experience
Committee Member - ULI Pricing Committee constituted by RBI & RBIH
Advisor, Sumitomo Mitsui Banking Corporation - Retail Banking:
• Advising SMBC Tokyo team on strategic investments in India, participating in business due diligence, assessment of the investee management team, related technical and regulatory aspects

Axis Bank - Group Executive - Retail
• Responsible for Branch Banking, Retail Liabilities, Liabilities Sales, Premium Banking, Virtual Relationship, Third Party Products
• Responsible for a span of 5,500 retail branches & 58,000 staff
• Channel Distribution of multiple financial products of Bank as well as third party partners
• Launched and nurtured Burgundy Private wealth management program, 2019 - 2023
• Managed NRI portfolio and oversight on Axis Bank’s 3 representative offices in the UAE till 2023

Axis Securities Limited - Member Board of Directors: Nominee Director
Axis Mutual Fund - Member Board of Directors: Nominee Director
HDFC Bank - Group Head, Branch Banking

• Span of 950 retail branches & 8000 staff
• Channel Distribution of multiple financial products of Bank as well as third party partners
• Liabilities Book of 1,10,000 crores
• Geography of branches spread across diverse States of J&K to Goa. As well as large states like Maharashtra & Gujarat, including Mumbai.
• Completely accountable for all aspects of Business, Operations, Compliance, People & Statutory Administrations

HDFC Bank (prior roles handled) - Product Head, - Cash Management, Product Head - Retail Current Accounts, Business Head - Merchant Acquiring and Group Head - Retail Trade FX

Mr. Ratan Kumar Kesh has around three decades of experience across industries in leadership roles in multiple domains – Operations, Technology, Transaction Banking, Product, Affluent Banking, Operations Risk, Enterprise Governance, Intelligent Automation, Digital, Cx and Organisation Transformation. He was recognised among the 50 most talented Quality Professionals in India by the World Quality Congress. He was also recognised as one of India’s top 25 Emerging Tech Leaders by BIOCON Network in collaboration with MeitY.

At Bandhan Bank, he has been the Executive Director & Chief Operating Officer since March 31, 2023. He is leading multiple functions including Technology, Operations, Customer Experience, Transformation, Internal Audit, Recovery, and other support functions. Mr. Kesh successfully led the IT transformation at the Bank and has been playing an instrumental role in optimising the processes, controls, customer services, business excellence, etc., at the Bank.

He was part of the core team to lead organisation transformation with technology, digital, governance, quality and customer focus during his tenures at ICICI Bank, HDFC Bank, Yes Bank and Axis Bank. He was among the first few in the Indian Banking Industry to launch full-fledged Service Quality Framework and Service CRM while in HDFC Bank. To his credit, he transformed the Axis Bank’s operations by imbibing technology, digital and AI.

Mr. Kesh is also a Member of Managing Committee of The Bengal Chamber of Commerce and Industry. He is a B.E (Mechanical Engineering) from NIT, Durgapur and MBA from NMIMS. He is also certified Quality Engineer from Quality Council of Indiana, USA and has completed advance leadership course from IIM-A and
Strategic Agility from Harvard.

Vasu is a Director and a co-founder of BillDesk, India’s largest Electronic Payments Service Platform. Established in early 2000, BillDesk delivers and manages a range of specialized electronic payments, remittance and gateway solutions for various verticals markets such as banking, telecom, insurance, utilities financial services and e-commerce businesses.

Vasu holds a PGDM from IIM Ahmedabad. Prior to founding BillDesk, Vasu worked with ITC Limited and Arthur Andersen.

Sabyasachi Goswami is the CEO of Perfios Software Solutions. As an early member of the team when the Company was still a small pioneering startup, Sabya has helped in transforming the company to a leading SaaS based innovative product company in the BFSI Sector with his spectacular track record in Enterprise Sales, Business Development, Sales Strategy, Operations, and Marketing.

Sabya started his journey in the FinTech/IT space by playing the role of Regional Sales Director for Middle East and APAC Regions at Sunoida Solutions, based out of Dubai. Prior to his stint at Sunoida, he has worked with leading Banks such as Axis, Standard Chartered, IDBI, HDFC and Citi where he built his strong Banking domain expertise.

With his deep domain experience in the Banking sector and appreciation for technology, Sabya plays a vital role in the company introducing innovative solutions to the market. Aided by his leadership style emphasizing on customer centricity and laser sharp focus on customer satisfaction, the Company has become the trusted partner for almost all the industry players in its area of operation.

Sabya has a proven industry track record of more than 21 years. He has been an active speaker in various BFSI/Fintech conferences.

He is an alumnus of Symbiosis Institute of Management Studies, Pune and an executive professional LEAD Graduate from Stanford Graduate School of Business. An Avid traveler and adventure enthusiast, he has won multiple state and national level championships in rock climbing and badminton.

Adhil Shetty is the Co-founder and CEO, BankBazaar: India’s largest fintech co-branded credit card issuer and online platform for free credit score with a registered customer base of 50 Mn.

Adhil’s vision is to democratize finance and increase financial inclusion in India through BankBazaar by making personal finance entirely contactless. Under his leadership, BankBazaar has grown to become India’s leading online fintech platform that attracts 250 Mn organic visits per annum.

A Fintech thought leader, Adhil is one of the most widely read expert and influencer on personal finance in India. As a Fintech advocate, he has been working closely with the regulatory bodies to promote a strong digital ecosystem to facilitate greater access to personal finance products. He is also the Co-Chair of the FICCI Fintech Committee.

With over 20 years of operational and entrepreneurial experience, Alok Mittal has an accurate knack of understanding the growth drivers of Small Medium business financing in India. This is what led him to establish Indifi, a platform for enabling debt financing for small businesses.

Prior to starting Indifi, Alok setup and ran Canaan Partners' operations in India, investing in high growth technology and internet startups. Earlier, Alok co-founded JobsAhead.com, a leading web-based recruitment business in India, which was acquired by Monster.com, the global leader in online recruitment.

Before founding JobsAhead, Alok worked with Hughes software in telecom and internet technologies. Alok is a computer science graduate from IIT Delhi, and completed his MS and Management of Technology program from UC Berkeley.

Sameer leads digital banking for Axis Bank. In his role, he works on launching and scaling new digital products, transforming select internal processes to enhance frontline experience and productivity and in running the bank’s digital channels.

Before joining Axis Bank, Sameer was a Partner with McKinsey and Co. in the financial services practice. Sameer holds a B.Tech from IIT Bombay and an MBA from IIM Bangalore.

Nishant Singh is the Founder & the Global Chief Executive Officer of BUSINESSNEXT (erstwhile known as CRMNEXT), recognized as the No. 1 LEADER in 2025 Forrester Wave For Financial Services CRM. As a founder of a successful and innovative enterprise software product companies, he spearheads India’s notable rise in the global value chain of deeptech products and the digital disruption in the BFSI domain over the last decade. The company is enabling financial institutions towards an autonomous future.

Starting on a bootstrap budget, Nishant has fuelled the company’s profitable growth today with 7 of the top 10 Banks in India as their customers managing overall 61% of Indian banking’s total AUM. BUSINESSNEXT, today has a footprint across 5 continents and direct offices in 14 countries across the North America, Middle East, and APAC. Nishant’s primary focus is on actualising his vision of ‘Autonomous Banking’, where customer journeys will be largely defined by intuitive experiences, a shift from Assisted and Augmented Banking to self-service. He is a strong believer in collaborative transformation which reflects in the way he leads the team at BUSINESSNEXT and how they work with their customers.

An engineering alumnus from the Birla Institute of Technology, he cofounded qMGN Inc, in New York as Chief Technology Officer (CTO). Having a firm belief in futuristic tech products, he has to his credit notable industry patents - one of which is the internet bandwidth optimization technique, currently in use by many global giants. He has been an influential voice for large global banks on major transformation initiatives including business process realignment, enterprise architecture, and CX solutions with high business impact. Nishant is the member of the CII Banking Committee and CII Insurance Committee.

Nishant is an intense supporter of individual social responsibility, and his credo is ‘contributing to driving sustainable developmental change’. Towards this endeavour, very early as an entrepreneur, he founded ‘Nimayaa Foundation’, to provide financial and on-ground support to underprivileged students in the areas of quality education and skill development. During the pandemic, he extended his idea of community benefit and adopted a district ‘Kusumdaha’ in the tribal hinterland of Jharkhand. It’s his concentrated efforts toward providing 360-degree developmental opportunities to the residents and ‘winning the right way’.

He is also an avid numismatist and unabashed about his illustrious collection of heritage coins.

Rahul Kothari is the Chief Operating Officer at Razorpay. With over 21 years of experience in both consultancy and technology in leading companies, Rahul comes with a strategic and analytical mind that is geared towards delivering growth and agility for companies.

As a COO at Razorpay, Rahul is focused on further building the company as a customer-centric organisation, providing a more integrated and seamless customer experience to various customer segments and businesses. His role entails guiding the company’s business strategies to achieve sustained and exponential revenue growth across all businesses and revenue lines, in India and Malaysia. His efforts are also dedicated to identifying new opportunities to enhance customer experience and amplify the efficiency and synergy of the internal systems, processes, and business structures.

With an ability to approach business from a creative point of view, Rahul’s strength lies in building a highly inclusive work culture that ensures team members with an ecosystem conducive enough to create, build, and thrive and thus enhance employee productivity. He also leads initiatives to strengthen partnerships with external stakeholders, establishing Razorpay at the forefront of innovation in the continually expanding ecosystem.

Before joining Razorpay, Rahul was the Chief Business Officer at PayU where he played a critical role in making their payments business profitable. He has also worked with leading global companies like WNS Global Services and The Boston Consulting Group, where he was instrumental in advising businesses across the US, Europe, Australia, and India on their business strategies. He has also had a successful tech career at Symantec where he was responsible for benchmarking and improving the performance of their products.

Rahul holds an MBA in Finance and Marketing from the Indian School of Business. He has also completed his B.Tech from IIT Kanpur. When not at work, Rahul enjoys trekking and uses the time to meditate, introspect, read about physics, and spend quality time with family.

Dr. Apurva Chamaria is the Chief Business Officer at Nucleus Software, responsible for driving global business growth and leading Sales, Account Management, Strategic Partnerships & Alliances, Pre-Sales, Marketing, and Business Development. In this role, he focuses on strengthening Nucleus Software’s market presence, accelerating go-to-market execution, and building scalable, future-ready growth engines aligned with the company’s long-term global strategy.

With a rich global leadership journey spanning over two decades, Apurva brings deep expertise across Cloud, SaaS, IT, ITES, Consumer, DeepTech, and AI-led businesses. He has worked extensively across India, the United States, Europe, Southeast Asia, and the Middle East, partnering with enterprises, startups, investors, and ecosystem leaders to build high-impact growth platforms.

Prior to joining Nucleus Software, Apurva served as Global Head of Private Equity, Venture Capital & Startup Partnerships at Google, where he built and scaled strategic ecosystems connecting investors, founders, and portfolio companies worldwide. Earlier, he was Senior Vice President and Chief of Staff to the CEO at Tech Mahindra, playing a pivotal role in driving strategic initiatives at a global scale. He also served as Chief Revenue Officer at RateGain, contributing to its international expansion and growth momentum.

Apurva’s career includes senior leadership roles at HCL Technologies, where he was Global Head of Sales & Marketing and Sales Director – HCL America, leading large, complex, multi-region sales operations. He began his global leadership journey at Ranbaxy, serving as Country Manager for Australia, New Zealand, the Philippines, and Hong Kong, overseeing multi-market operations and expansion.

An accomplished academic and industry leader, Apurva holds a Doctorate from IIT Delhi, an MBA in Marketing and Finance from IMI New Delhi, and has completed the Senior Executive Leadership Program at Harvard Business School.

At Nucleus Software, Apurva is passionate about building enduring customer relationships, deepening partner ecosystems, and translating strategy into sustained business outcomes, while enabling teams to scale with speed, clarity, and purpose.

Sundeep by profession is a Qualified accountant with more than 23 years of experience in Technology, Finance and Consulting. Sundeep is the Founder Director of M1xchange (TReDS) and Mynd group.

M1xchange is a multi-award winning online exchange for discounting of Trade receivables for SME enterprise in India, called as TReDS. M1xchange has fulfilled the objective of financial inclusion by financing of Receivables for SME enterprises in 910 cities in India, worth USD 4.5 Billion in last 4 years. 

M1xchange is now working towards set up of International Trade Finance System (ITFS) for financing of global Trade transactions from GIFT city Gujarat. 
 

Mahesh is the Chief Information Officer of YES BANK. In his role, he is leading Technology and Digital transformation for the Bank. Mahesh is also leading new age technologies such as API, AI/ML, BI and business solutions which is going to be driving factor for all new products at the Bank.

Mahesh has over three decades of experience in the BFSI Leading technology capabilities as well as enabling change / managing the governance across the ecosystem. In his previous role, he was leading the Payments vertical for Europe, Asia Pacific, Middle East and Africa at FIS Inc.

Mahesh holds a Bachelor’s degree in Engineering with a specialization in Electronics from the University of Mumbai and is a certified Information systems Manager and a Marshall Goldsmith certified, Stakeholder centered Coach.

Saravanan Nattanmai is the Partner for Financial Services Sector at Premji Invest. PI is investment office sponsored by Mr.Azim Premji, Chairman of Wipro Limited.

Saravanan is a seasoned private equity professional with 20+ years of experience in private equity across sectors / stages and Corporate Strategy and Planning and has held leadership positions and been on the boards of regulated companies with best-in-class corporate governance in India.

Currently, he leads investments in the financial services sector (traditional and new age) at PI across key areas of focus including insurance, lending, wealth management, payments, and banking infra. Previously, he worked with AION Capital (JV between Apollo Global Management and ICICI Bank) and Nereus Capital and has led investments in diverse sectors including financial services, consumer/retail, technology, and industrials.

Saravanan began his career at GE in 2005. During his tenure at GE, he is credited for acting as catalyst for ideating and implementing innovative technologies with high degree of potential for disruption.

Saravanan has done his Masters in Technology from IIT Bombay and PGM from Indian School of Business, Hyderabad. He has several technology patents to his credit and is an avid follower of the theory of inventive problem solving and disruptive technology trends.

Anjali serves as the Managing Director & CEO of PSB Alliance, bringing a remarkable career spanning over 30 years as an experienced banker, entrepreneur, and impact investor. She has held top leadership positions as a Managing Director at both Deutsche Bank and Citibank, where she was responsible for key country and international leadership roles. Her extensive experience at these global institutions has given her a deep understanding of banking operations, strategy, and governance on a global scale.

In addition to her corporate leadership, Ms. Mohanty also co-founded an impact-driven Agri Fintech company in 2021. This experience as an entrepreneur gives her a unique and invaluable perspective on building and scaling technology-focused financial solutions from the ground up. This powerful combination of traditional banking wisdom and modern entrepreneurial drive makes her exceptionally well-suited to lead PSB Alliance's mission of driving technological transformation for India's public sector banks.