IT Services Consulting Program Director with over 21 years of digital transformation experience in the banking and financial services industry. Specializes in cards & payments, retail banking, and consumer lending. Successfully collaborates with domestic and international clients across various business entities, including issuers, acquirers, networks, payment processors, and product organizations. Highly accomplished product and strategy professional with a track record of driving greenfield product development, strategic business and IT programs, and capability incubation. Combines consulting skills with execution governance, program management, and strategic planning to consistently drive growth, reduce costs, and resolve complex business problems. Led strategic digital transformation initiatives for banking clients in India, UK, APAC, and EMEA. Self-driven professional who excels in analyzing business needs and problem statements to derive strategic solutions. Excellent communication skills at all levels, including vendors, clients, and C-suite executives, aiming to consistently deliver top results.