Chief Transformation & Digital Officer

Key highlights of the role are listed below (purely indicative and not limiting):

• Drive digital innovation and serve as a change agent throughout the

organization

• Identify and prioritize digital initiatives that drive innovation, customer

engagement, and operational efficiency, ensuring revenue growth and

market competitiveness.

• Lead the development and execution of a comprehensive Digital and IT

vision, ensuring technological advancements support business growth

• Be an evangelist, championing the use of digital technology and practices to

engender a digital mindset from the top down

• Spearhead the development of new digital products and services to expand

the organization's digital footprint and enhance customer experience.

• Lead design sessions and implementation teams to define, develop, and

deploy digital transformation solutions that are robust, scalable, and

efficient.

• Produce executive-level reports and presentations on project delivery,

ensuring transparency and alignment with business objectives.

• Collaborate with senior management to align IT strategies, performance

metrics, training programs, and budgets for optimal resource utilization.

• Align cross-functional teams to reimagine, reengineer, and implement

enterprise-wide system processes, including IT infrastructure, ensuring

alignment with business strategy and organizational priorities.

• Ensure collaboration, knowledge sharing, and digital best practices among

partners and colleagues to help establish a robust digital ecosystem

• Measure ROI for digital projects, fine-tuning approaches as needed to ensure

that were investing in the appropriate tools and resources

• Manage relationships with third-party vendors, system integrators, and API

providers, ensuring seamless integration and high-performing digital

solutions.

• Facilitate negotiations among stakeholders to align business needs with

technical solutions, ensuring smooth project execution.

• Analyze the impact of proposed solutions across business units, develop use

cases, and contribute a process-oriented perspective during design reviews.

• Regularly update key stakeholders on project status, risks, and milestones,

ensuring proactive issue resolution and successful execution.

• Identify and integrate emerging financial technologies (FinTech), artificial

intelligence (AI), blockchain, and automation to enhance operations and

customer engagement.

• Drive the transition to a digital-first business model, focusing on seamless,

omnichannel customer experiences.

• Enhance the customer journey by implementing AI-driven chatbots, selfservice options, and personalized recommendations.
• Oversee system implementation, UAT testing, and sign-offs, ensuring highquality deployments with minimal functional or performance issues.
• Lead change management efforts, ensuring smooth adoption of digital

solutions while training teams on new technologies and workflows.

• Establish and maintain best practices, documentation standards, and

implementation frameworks to drive consistency and efficiency.

Applicants should possess the following attributes:

• Strong knowledge of the credit cards industry
• Strong Analytical and problem-solving skills with decision making ability.
• Strong understanding in the issuing of credit card products and the related

risk, operations and controls

• A strong understanding of dependencies and linkages with marketing,

customer service, technology and sales.

• Awareness of industry best practices, prevalent and emerging trends in the

market and ability to inculcate industry best practices into the organization.

• Ability to handle large-scale complex projects with multiple stakeholders.
• Ability to operate successfully in a rapidly evolving environment and ability

to deal with ambiguity.

• Excellent communication and relationship management skills.
• Strong networking skills within the organization and across industry forum

and related agencies and authorities.

• Should be result oriented and must think of all aspects like business,

customer, reputation, regulatory impact etc. while designing solutions

Proven ability to identify, solve and prevent regulatory issues.

• Good Business Analysis and Consulting Skills.