Prithipal Guhan

• Progressively advanced through technology and program leadership positions in banking, focusing on enterprise applications, payments, data platforms, and compliance. Built foundation in systems integration, program governance, and business technology alignment.

Lead technology strategy and delivery across mortgage, consumer lending, credit cards, small business banking, and wealth platforms for the 4th largest U.S. credit union. Oversee multi-year transformation of lending and member onboarding capabilities, ensuring scalability, compliance, and growth.

Key Achievements:

• Unified Digital Experience Platform: Drove alignment of business and technology to deliver a modern, consolidated digital ecosystem across web and mobile channels—boosting member satisfaction scores by 20%, driving a 35% increase in digital self-service adoption, and expanding reach to 200K+ additional members.
• Mortgage LOS Replacement: Spearheading replacement of end-of-life Mortgage Cadence with ICE Encompass by 2026; defined vendor RFP, implementation strategy, and risk mitigation framework—program expected to reduce loan origination cycle times by 30%, cut operational costs by $8M annually, and support scalable growth of 20K+ new mortgage originations per year.
• Lending Platform Program: Leading a cross-enterprise transformation—spanning Backbase, Pega, API factory, and credit card modernization—to elevate member experience and create new growth capacity. Expected to boost digital adoption by 40%, reduce member onboarding time from 5 days to under 1, drive a 20% increase in cross-sell of lending products, and unlock $25M+ in incremental revenue opportunities.
• Disaster Recovery & Resilience: Established and led a Program Office to close critical audit gaps and strengthen enterprise resilience—reducing systemic risk exposure by 70%, ensuring compliance, and protecting $30B+ in member assets.
• Technology Operating Model Modernization: Implemented business-aligned product ownership, hybrid Agile delivery, and board-level reporting—improving alignment, increasing delivery velocity by 35%, cutting time-to-market by 40%, and enhancing transparency of $135M+ in technology investments.

• Led enterprise technology strategy, platforms, and operations supporting 10M+ loans across mortgage and consumer lending. Directed 30+ Agile teams across multiple delivery trains; accountable for modernization, platform consolidation, vendor management, and digital innovation.
• Key Achievements:
• Mortgage Servicing Consolidation: Executed migration of ~10M loans (~$1.2T portfolio) from legacy Bank of America platforms to MSP/Black Knight, decommissioning 5+ systems, reducing annual run-rate costs by $50M+, and improving operational efficiency and scalability.
• Patented Conversion Framework: Built and patented conversion framework that ensured zero business disruption, maintained full regulatory compliance, and delivered flawless cutover for billions in daily servicing transactions.
• Servicing Vendor Management: Oversaw multi-billion sub-servicing relationships; implemented vendor risk framework that reduced compliance incidents by 70% and avoided $100M+ in potential regulatory exposure.
• Digital Modernization: Led Agile/SAFe adoption across 30+ scrum teams; migrated core origination and servicing apps to cloud/hybrid—cutting release cycles from 6 months to 6 weeks, enabling faster digital innovation, and boosting productivity by 35%.
• Platform Resiliency & Cost Optimization: Delivered 99.9% uptime while managing multi-billion transaction volumes; consolidated vendors and renegotiated contracts to drive $75M+ in OPEX savings.
• Enterprise Integration & API Strategy: Established enterprise integration/API factory, delivering 300+ reusable APIs, accelerating time-to-market for new products by 50%, and enhancing agility across mortgage and consumer banking platforms.
• Talent & Leadership Development: Championed talent strategy and succession planning; mentored 20+ associates, improved diversity in senior tech roles by 25%, and created leadership pipelines to sustain long-term organizational capability.