Chirag Jain

About Chirag Jain

MBA graduate from one of the Top 5 B-Schools in India, I excel at leveraging technology to solve large scale & complex business problems. I deliver business impact with pro-active initiatives, extreme ownership, positive collaboration, knowledge leadership, and some kickass thinking!Currently leading bank-wide projects to leverage Digital Public Infra and GenAI capabilities across verticals.Have built a unique blend of experience with in-depth understanding of Account Aggregator, Pvt Banking/Wealth Management, Lending, Liabilities, and Payment (POS, PG, UPI, CBDC) products, while enabling digital transformation & Agile project management to solve problems for MSMEs. Also building best-in-class CRM (with AI capabilities) for Pvt Banking customers.Driving thought leadership in AA framework to enable innovative PFM offering & enhance access to credit for MSMEs.Passionate about: Automation and Knowledge Synthesis from multiple domainsAreas of Expertise: New Product Development, Design Thinking approach in Customer Journeys, Process Re-engineering, Architecture & Workflow DesignDomains: DPI (Account Aggregator, ULI, GST, IndiaStack), Video KYC/CKYC/DigiLocker, MSME Lending/Working Capital Sanction, Payments & Merchant Acquiring (POS/PG/UPI/CBDC), Current Account & Cash Management Services. Skill Sets- Complex problem solving - Building products from grounds up- Optimising journeys/platforms to gain scale (e.g. a million new users/annum)- Designing robust and detailed processes - Driving stakeholders and managing business negotiations - Learning Agile Tools viz. Jira, Confluence, MS Projects, Figma, Draw.io/Lucid Chart Activities Managed- Transforming Account Aggregator strategy for the bank and expanding use cases for Lending, PFM, and Cross-Sell- Enabled Small businesses to instantly access POS/UPI collections via SmartHub App- Closely worked with regulator (RBI & ReBIT) for Sandbox Program on Payments- Enhancing CBDC App features and use cases- Building Loan Against Card (POS/UPI) receivables with Daily Repayment capability - Digital Lending leveraging API Stacks (Working Capital/Business Loans)- Enabling Wealth/Pvt Banking RMs with 360 view CRM for client & portfolio management - Digital Transformation of processes - Delivering Business Objectives via product strategy, portfolio analysis, customer communication, stakeholders management, and training Stuff that interests me: Credit Card Consulting (Air Miles & Rewards), Travel Hacking, Personal Finance advisory, and Vedic Mathematics

Experience

1. Head & VP - Digital Initiatives

   HDFC Bank

   Jun 2024 — Present · Mumbai, IN

   Leading Digital Public Infra strategy and specific GenAI implementations for the bank including Account Aggregator, ULI, Unified KYC, Video KYC and Innovation projects. Additionally building digital platforms and journeys for Pvt Banking RMs and Customers and a PFM App for Mass Wealth Segment, CASA Mobilisation & Loan cross-sell.Awarded by MD & CEO for exemplary contribution towards bank\'s digital transformation. In addition, have won multiple awards for innovation, digital championship, and people management.Providing thought leadership in building innovative use cases, policy frameworks, and data governance guardrails in the AA ecosystem.

Education

• Faculty of Management Studies - University of Delhi

  MBA - Full Time, Business Strategy and Marketing

  2011 — 2013

• Université Jean Moulin (Lyon III)

  International Summers Business Program (France), International Business

  2012 — 2012

• Netaji Subhas Institute of Technology

  B.E., Electronics and Communications

  2006 — 2010