Ravikant Sharma
Chief Manager Core System & Online Banking @Bank Of Baroda
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WORK HISTORY
Chief Manager Core System & Online Banking @Bank Of Baroda
Mumbai, IN
I worked as the technology, product and project lead for major digital banking programmes covering Internet Banking, payments, remittances, government systems, core banking integration and digital customer offerings. I focused on building new products, improving platform performance, modernising journeys and delivering secure, scalable solutions across India and international branches. I collaborated with engineering, cybersecurity, operations, digital banking, compliance and overseas teams to deliver complete digital solutions.I led product and technology strategy for Internet Banking, digital payments, remittance platforms, government services and CBS channel integration. I built in-house products using MSSQL, Oracle, C#, Java, Finacle scripting and APIs, which reduced vendor dependency and improved agility. I managed full SDLC cycles covering requirement analysis, solution design, UAT, deployment and production support. I improved governance through impact assessments, security controls, compliance checks and structured delivery processes.I led the Internet Banking transformation across India and several international locations by unifying platforms, improving services and strengthening customer journeys. I supported continuity during the merger of Dena Bank, Vijaya Bank and BOB. I designed the SNA Portal as a digital platform for government fund management with real-time visibility and workflow automation. I co-developed RF2I, an in-house global remittance product with multi-country compliance, AML and realtime routing. I delivered the BOB Merchant Integration System with secure APIs, automated reconciliation, refund processing and Maker Checker controls. I also developed digital tax payment products for GST, CBDT and several state governments.I contributed to WhatsApp Banking by designing secure multilingual conversational journeys. I strengthened cybersecurity, automated internal processes and improved scalability and reliability across digital channels.
EDUCATION
Manipal Academy of Higher Education, India
Bachelor of Information Technology, Information Technology
Databyte, India
Diploma in Computer Hardware and Networking, Computer Hardware and Networking
ICFAI School of IT, India
Master of Computer Applications (MCA), Computer Software Technology/Technician
SKILLS
ABOUT RAVIKANT SHARMA
I am a Banking and FinTech Product Development specialist with more than 18 years of experience delivering digital transformation programs across India, the United Kingdom, Africa, and several international markets. My work focuses on building secure, scalable, and modern digital banking and payment platforms that improve customer experience, reduce operational complexity, and strengthen compliance.I have deep experience across customer facing Online Banking, core banking integration, real-time payments, remittance platforms, merchant payment systems, Open Banking, and API-led product development. I enjoy working at the intersection of product, technology, and financial systems, where I convert complex business needs into intuitive and reliable digital solutions.My background includes leading large-scale technology initiatives covering system migrations, global platform rollouts, channel modernisation, and regulatory alignment. I have delivered transformation programs involving Internet Banking upgrades, Open Banking and PSD2 implementation, government payment systems, global remittance products, operational resilience programs, and end-to-end GDPR compliance. I excel in strategic IT planning, requirements analysis, and delivering high-impact solutions that improve security, efficiency, and customer satisfaction.I am also deeply interested in the role of AI in modern banking. This includes AI-enabled customer service, fraud detection, intelligent document processing, real-time risk scoring, and predictive analytics. I actively explore how AI can simplify banking journeys, enhance decision making, and support the next generation of digital financial products.Throughout my career, I have led cross-functional teams across engineering, operations, cybersecurity, risk, regulatory compliance, and product functions. My approach focuses on building high-performing teams, driving continuous improvement, and aligning technology initiatives with business goals in order to support long-term organisational growth.I am committed to developing sustainable and future-ready digital platforms that keep pace with evolving customer expectations, regulatory requirements, and industry innovation.
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