Rajesh Kumar

About Rajesh Kumar

Associate Director and India Front-to-Back Engineering Leader at HSBC, leading a 50+ member engineering organization supporting 100+ business-critical applications and 35+ strategic initiatives across digital banking, workflow automation and intelligent engineering. I lead engineering strategy, organizational growth, platform modernization and capability development across India, partnering with technology and business leadership across MENA, APAC and global teams to translate strategic priorities into scalable, resilient and regulated banking platforms. Over 15+ years in enterprise technology, I have worked across payments, remittance, corporate onboarding, legal operations, workflow automation and intelligent document processing — combining deep engineering expertise with platform strategy, product thinking and organizational leadership. My leadership focus is at the intersection of: • Engineering strategy & organizational growth• Digital banking platform strategy• AI/GenAI engineering, governance & responsible adoption• Intelligent automation & workflow platforms• Platform modernization & enterprise architecture• Payments & customer journey transformation• Engineering operating models, talent development & succession• Executive stakeholder management across Business, Technology, Risk and Compliance Selected business impact: Built UAE's first corporate digital onboarding platform from concept to production, onboarding 200+ corporate clients in Year 1, reducing turnaround time by 40% and improving CSAT by 50%. Reduced remittance repair/exception volumes by ~60% through STP enhancement, intelligent routing and workflow redesign. Improved processing efficiency by ~30–40% through platform-led automation, reusable orchestration and journey modernization. Introduced governed GenAI capabilities including LLMs, RAG and document intelligence into enterprise workflows, with emphasis on responsible adoption, evaluation, safety and auditability.Leadership Philosophy:I believe technology creates the most value when engineering excellence, governance, and customer outcomes evolve together. My focus is building high-performing teams, modern engineering platforms, and AI-enabled operating models that help financial institutions innovate with confidence.📍 Bengaluru, India

Experience

1. Associate Director – Engineering | India Engineering Leader | Digital Banking Platforms

   HSBC

   Feb 2026 — Present

   Lead India engineering for HSBC's Front-to-Back technology organization, with responsibility for engineering strategy, delivery, organizational growth, capability development and cross-regional execution across MENA, APAC and global technology teams. Lead and scale a 50+ member engineering organization supporting 100+ business-critical applications and 35+ strategic initiatives across workflow and orchestration platforms, intelligent automation, digital banking and AI-enabled engineering. Shape the India engineering operating model and capability strategy, including organizational design, strategic hiring, leadership capacity, succession planning, talent development and long-term location strategy. Partner with senior Technology, Architecture, Product and Business stakeholders across India, MENA, APAC and global teams to translate strategic priorities into executable outcomes while strengthening delivery governance, engineering readiness, operational resilience and stakeholder confidence. Build leadership depth through coaching, delegation and progressive ownership, enabling senior engineers and emerging leaders to independently drive delivery, stakeholder outcomes and capability areas. Drive practical adoption of Generative AI and AI-assisted engineering, with focus on responsible adoption, governance, evaluation, safety and measurable engineering productivity. Lead complex delivery interventions and stakeholder escalations through structured problem solving, root-cause resolution, capability uplift and sustainable recovery. Leadership focus: Engineering Strategy • Organizational Growth • Platform Modernization • AI/GenAI Engineering • Intelligent Automation • Talent & Succession • Engineering Operating Model • Executive Stakeholder Management

2. Digital Banking Platform & Journey Lead – Payments, Onboarding & Intelligent Automation

   HSBC

   May 2021 — Jan 2026 · Bengaluru

   Led platform strategy, product evolution and engineering transformation for enterprise workflow and digital banking capabilities supporting high-volume, regulated banking operations across payments, remittance, onboarding and intelligent automation. Defined platform roadmaps and operating-model evolution, translating business, regulatory and operational requirements into scalable technology capabilities across automation, exception management and customer journey modernization. Owned end-to-end capability design across workflow automation, STP enhancement, intelligent routing and journey optimization, balancing business value, operational resilience, regulatory controls and technical feasibility. Selected Business Impact • Improved remittance journey efficiency by ~30% through platform-led STP automation and workflow redesign. • Reduced repair and exception volumes by ~60% through STP enhancement and intelligent routing. • Reduced processing time by ~40% through reusable orchestration components and journey rationalization. • Embedded governed GenAI capabilities including LLMs, RAG and document intelligence into production workflows with compliance-aligned controls and audit traceability. Platform & Product Leadership • Defined and owned platform roadmaps across 3+ cross-functional squads, balancing business value, regulatory requirements, risk and technical feasibility. • Shaped epics and capability themes aligned to regulatory requirements and operational resilience. • Partnered with Business, Risk, Compliance, Architecture and Technology leadership to drive aligned execution and long-term platform evolution. • Drove scalable architecture decisions supporting performance, governance and platform sustainability. Technology: Enterprise Workflow Platforms (IBM BPM/BAW) • GenAI/LLMs • RAG • Intelligent Automation • Enterprise Integration • Agile Delivery

3. Technical Manager | Journey Delivery & Automation (Banking)

   Capgemini

   Oct 2019 — May 2021 · Bengaluru, Karnataka, India

   Led delivery of digital banking workflow modernization programs, acting as a product delivery lead to redesign operational journeys, improve compliance readiness and deliver measurable efficiency gains in regulated environments. Key Impact - Reduced manual effort by 25–40% through process redesign + workflow automation across multiple banking journeys - Improved audit readiness and operational transparency by implementing end-to-end traceability and control checkpoints - Delivered 5+ production releases on schedule with zero critical defects, improving platform stability and stakeholder confidence - Mentored 8+ consultants, improving delivery maturity and reducing rework by ~30% Product delivery & ownership - Owned discovery and requirements analysis, translating business needs into a prioritized backlog (epics, user stories, acceptance criteria) - Managed end-to-end delivery lifecycle: discovery → design → build → UAT → go-live - Facilitated sprint planning, backlog refinement and stakeholder reporting in JIRA to ensure predictable velocity - Partnered with business owners, architects and engineering teams to align delivery with business outcomes and compliance needs Solution leadership - Acted as solution lead defining architecture and design standards across engagements - Identified bottlenecks through stakeholder workshops and data-driven analysis, delivering targeted workflow optimization - Designed scalable automation solutions using IBM BPM/BAW integrated with core banking systems - Established quality gates and release discipline to ensure production stability Tools/stack: IBM BPM/BAW, JIRA, Agile/Scrum, Enterprise Integration/APIs

4. Lead Consultant | Corporate Digital Onboarding (0→1 Product)

   Virtusa

   Dec 2016 — Oct 2019 · Bangalore | Delivering for UAE Market - First Corporate Digital Onboarding Platform)

   Led the build and launch of UAE's first end-to-end Corporate Digital Onboarding platform (0→1) enabling secure corporate account opening through integrated KYC/AML, document intelligence and automated workflows. Key Impact - Reduced onboarding turnaround time by 40% (15+ days → 8–9 days) - Improved customer satisfaction by 50% (CSAT 6.2 → 9.1/10) - Onboarded 200+ corporate clients in Year 1 - Achieved ~60% reduction in manual effort through STP automation - Delivered zero critical compliance incidents post go-live Product ownership & delivery - Owned product lifecycle: discovery → roadmap → backlog → delivery → go-live - Built and prioritized backlog across 12+ sprints, balancing business value, regulatory needs and feasibility - Authored epics, user stories and acceptance criteria aligned to UAE Central Bank + KYC/AML - Led UAT strategy and production readiness across 15+ business and technology teams - Managed senior stakeholder alignment (Corporate Banking head, Compliance leadership, CTO) Platform & solution leadership -Designed audit-ready workflow controls with end-to-end traceability and exception handling -Built STP capabilities via OCR/document verification, KYC checks and decision routing -Led integration across 8+ enterprise systems (Core Banking, KYC/AML, CRM, DMS, etc.) Tools/stack: IBM BPM, JIRA, Agile/Scrum, OCR/Document Intelligence, APIs/Enterprise Integration

5. Technical Manager

   Morgan Stanley

   Jan 2016 — Dec 2016 · Mumbai, Maharashtra, India

   Delivered IBM BPM solutions for mission-critical banking workflows, supporting front-office and operations teams in a high-availability, regulated environment Led agile delivery of BPM initiatives, coordinating requirements, development timelines, and stakeholder expectations across business and technology teams Owned technical design and implementation of workflow components, integrations, and process models aligned with enterprise architecture standards Acted as a bridge between business stakeholders and delivery teams, ensuring clarity of requirements, risk management, and on-time delivery Managed vendors and offshore teams, driving execution quality, issue resolution, and delivery predictability Built early leadership credibility through consistent delivery, ownership of complex assignments, and mentoring junior team members Key focus areas: Banking Workflow Systems · IBM BPM · Agile Delivery · Technical Architecture · Stakeholder & Vendor Management · Business-Technology Alignment · Project Execution

6. Senior Consultant

   Morgan Stanley

   Nov 2014 — Jan 2016 · Mumbai, Maharashtra, India

7. Package Solution Consultant: Lombardi

   IBM

   Feb 2013 — Nov 2014 · Pune Area, India

   Owned implementation of core banking workflows as part of a large-scale modernization program migrating legacy Siebel processes to IBM BPM, improving straight-through processing and end-to-end transparency Designed and delivered BPM solutions end-to-end, including BPD modeling, data modeling, coach/UI design, and service integration Partnered with business analysts and SMEs to translate user stories into scalable, production-ready process designs aligned with business outcomes Led technical analysis and integration feasibility across multiple enterprise systems (e.g., RRD, CMOD), defining input/output contracts and integration patterns Implemented security and performance components, including LDAP integration and caching strategies, to support enterprise reliability requirements Mentored offshore teams, providing technical guidance, design reviews, and issue resolution to ensure delivery quality Contributed to data-modeling strategy and architectural discussions, supporting platform consistency across the Hudson program Key focus areas: Banking Platform Modernization · Legacy-to-BPM Migration · IBM BPM · Workflow & Data Modeling · Enterprise Integrations · Secure & Scalable Systems · Offshore Team Enablement

8. IBM BPM Developer

   L&T Infotech

   Feb 2011 — Jan 2013 · Bengaluru, Karnataka, India

   Delivered end-to-end BPM implementation to improve visibility, accountability, and process transparency across insurance operations using IBM Lombardi (IBM BPM) Modeled and implemented core business workflows, including BPD modeling, service implementation, and coach/UI design aligned to business requirements Integrated BPM with multiple enterprise systems via IBM WebSphere ESB (SOA middleware), defining input/output contracts and ensuring seamless interoperability Performed technical analysis and feasibility assessments for complex integration touchpoints, including AS400, AML, CMS, DMS, rule services, and imaging systems Supported onsite R&D, unit testing, deployments, and production readiness, ensuring stable releases and smooth go-lives Coordinated onsite–offshore delivery, reviewing technical work, guiding development standards, and resolving functional and technical queries Mentored offshore team members, providing clarity on frameworks, APIs, and implementation patterns to improve delivery quality Contributed to data modeling and backend transaction design, supporting consistent and scalable process execution Key focus areas: Insurance BPM Platforms · IBM Lombardi / IBM BPM · Enterprise System Integration · SOA & ESB · Workflow & Data Modeling · Onsite–Offshore Delivery · Early Technical Leadership

9. Software Engineer Trainee

   LTI - Larsen & Toubro Infotech

   Oct 2010 — Jan 2011 · Bengaluru, Karnataka, India

Education

• University of Jammu

  Bachelor of Science - BS · Biology/Biological Sciences, General

  2003 — 2006

• University of Jammu

  Master of Computer Applications - MCA · Computer Science

  2006 — 2009

Skills

• Business Process Re-engineering
• Customer Onboarding
• Six Sigma
• Lead Time Reduction
• IT & Business Strategy Alignment
• Orchestration
• Platform Modernization
• Business Performance Management
• Digital Transformation
• Reducing Operating Costs
• Process Transformation
• Rule-based Systems
• Digital Banking Platforms
• Product Discovery
• Legal Document Automation
• Agile Methodologies
• Change Management
• IT Automation
• Generative AI (Enterprise Use Cases)
• Remittance Processing
• Business Intelligence Tools
• Business Analysis
• Platform Integration
• Business Process Management
• Generative AI
• IBM Operational Decision Manager (ODM)
• Product Strategy
• Payment Systems
• Requirements Analysis
• Service Delivery Optimization
• IBM BPM
• Banking Technologies
• Product Leadership
• Leadership
• Workflow Automation
• Design
• Microsoft Azure
• Artificial Intelligence (AI)
• Transformation Leadership
• Regulatory Compliance