Bharat Gaikwad

About Bharat Gaikwad

Seasoned Technology & Transformation Leader with exposure across Banking & Financial Services, FinTech & Payments, Telecom, Manufacturing, and Energy & Utilities.I specialize in driving complex, enterprise-scale digital transformations by combining deep domain knowledge with emerging technologies such as Generative AI, Agentic AI, Blockchain, Hybrid Cloud architectures, and advanced Automation frameworks.Throughout my career I have successfully led end-to-end delivery of multi-million-dollar programs focusing on:Regulatory Reporting & Compliance platforms Core Banking and Payments Processing modernization AI-native application development, QA, and Test Automation Performance Engineering, Security Testing, Vulnerability Management & Threat Modeling Cloud migration and Hybrid Cloud operations at scaleMy passion lies at the intersection of business strategy and technology innovation — translating regulatory and market demands into robust, secure, and high-performing solutions that deliver measurable ROI. I have repeatedly built and led high-performing global teams, established governance frameworks, and introduced AI-driven engineering practices that dramatically improve quality, speed, and cost efficiency.Currently, I am focused on harnessing Generative and Agentic AI to re-imagine customer experiences, operational resilience, and intelligent automation in highly regulated environments.Open to board advisory roles, strategic consulting engagements, and leadership opportunities where I can continue solving complex problems

Experience

1. Consultant-ai and Data Analytics

   IBM

   Sep 2023 — Present · GB

   Lloyd\'s Bank Intelligent Automation

Education

• Savitribai Phule Pune University

  MMS, Accounting and Finance

  2001 — 2002

• PGDBM University of Pune

  PGDBM, Accounting and Finance

  1997 — 1999

• Ulyanovsk State University

  International MBA, International Business and Finance

  2013 — 2014

• DOEACC

  PGDCA, Information Technology

  2000 — 2002

Skills

• Pl/Sql
• Middleware Testing
• Payment Processing and Payment Distribution
• Investment and Retail Banking
• System Integration Testing
• Faster and Bulk Payment Processing
• Ivr /Voip Contact Center Testing
• Etl and Data Migration Testing
• Coremetrics Data Analytics
• Testing
• Test Automation
• Project Management
• Regression Testing
• Unisys Core Banking Platform
• Sap Crm
• Investment Banking
• Requirements Analysis
• Internet and Mobile Banking
• Financial Reconciliation and Reporting
• User Acceptance Testing
• Quality Assurance
• Sap Is-U
• Test Planing
• Hp Alm
• Performance Testing
• Application Virtualization
• Mortgage and End to End Payment Maturity