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Neeraj Gandhi, Building a digital bank

Neeraj Gandhi

Building a digital bank·Wio Bank

United Arab Emirates

High school or equivalent,

Work experience

Total years of experience: 24 years, 1 months

Building a digital bank

March 2021 - Present

Wio Bank

Dubai, United Arab Emirates

March 2021 - Present

Building a digital bank in UAE - Wio PJSC.
Wio is licensed by UAE Central Bank as a full service bank backed by ADQ, Etisalat & FAB
Company industry:
Financial Services
Job role:
Banking

HEAD

January 2019 - July 2019

Emirates NBD Bank

United Arab Emirates

January 2019 - July 2019

o Led Premier Customer and SME business strategy for Retail Bank. Diverse portfolio with over AED 80 Bn
(~ USD 22 Bn) CAL & 40% plus of Retail Bank revenue contribution
o Revamped Priority Value Proposition & launched new SME proposition
o Increased share of wallet through cross sell of Loans, Wealth, Cards and Trade products
o Created new lending journey to improve Cards & Loans cross sell
o Launched business strategy for the segment that focussed on Innovation, Design Thinking & Growth Mindset
o Led a culture of Analytics for business decisions, new promotions, and marketing campaigns
o Led a team of highly motivated and diverse individuals. Mentored and coached key Nationals in the team
o Supported & supervised regional collaboration with Emirates NBD offices in India, KSA, Egypt and Turkey
o Recognised and awarded BEST SME and Affluent Bank in the region for 2019 / 2020.
Company industry:
Banking
Job role:
Management

VICE PRESIDENT

March 2016 - December 2018

March 2016 - December 2018

Led one of the biggest retail CASA business (AED 90 Bn + / USD 25 Bn +) at Emirates NBD -
o Instrumental in pricing, product, portfolio, P&L and payroll acquisition for retail liabilities business
o Led the digital transformation with the launch of new digital products for retail bank. Some of the award winning
products include “fitness savings account’, ‘early saver’, ’tablet banking’ among others
o Launched multiple new propositions including Advance Account, Emirati Package & Mobile account opening
o Successfully launched portfolio deepening & acquisition campaigns across all segments
o Spearheaded strong book growth and revenue despite slow market conditions, one of the biggest & fastest
growing CASA book in the region. Double digit YoY revenue and 4% - 5% CASA PEB growth.
Job role:
Management

HEAD

December 2007 - February 2016

Auto Loans

United Arab Emirates

December 2007 - February 2016

-
o Transformation of historically loss-making business into a profitable standalone product-line
o Managing the overall product P&L including dealer & manufacturer relationships
o Revived business income with unprecedented 400%+ improvement in revenue line & reduction in losses (NPL)
o Received multiple awards including “Best Auto Loan” by TAB across Asia, ME & North Africa
o Conceptualised and launched the Islamic retail assets strategy under the Islamic window AWAI.
o Expanded product portfolio in new markets. Launched Auto Ijara for Saudi Arabia
o Spearheaded one of the region’s first securitisation initiatives of $271 Mn to reduce Bank’s existing cost of funds
and allow increased liquidity.
Company industry:
Banking
Job role:
Management

PRODUCT MANAGER

January 2005 - February 2007

ALTERNATE CHANNELS

January 2005 - February 2007

- Product Management for Alternate Channels (Cross Sell initiative) that includes -
o Personal Loans, Home Loans, Insurance & credit card sales through retail tie-ups like Post Offices, Big
Bazaar (convenience stores) etc.
o Outbound call centre setup
- Led the conceptualisation / development / launch of (NPI) Face2Face, India’s first Park & Sell platform
- Successfully implemented the concept (Face2Face) on six-sigma & lean methodology
- Instrumental in setting up / managing distribution line / franchisees with the credential of winning the “Wright
Brothers” award for successful new product launch.
Company industry:
Banking
Job role:
Management

AREA SALES MANAGER

September 2002 - December 2004

WEST & SOUTH

September 2002 - December 2004

Handled respective markets with highly motivated team of managers managing a multi-product portfolio of new
cars, used cars, lease, refinance & inventory funding
o Regions managed as profit centre with an eye for overall growth, yields, delinquencies and cost rationalization.
Accountable for handling key accounts, relationships & automotive manufactures
- Successfully
o Handled one of the largest portfolios & ameliorated GECW auto business by over 50% in the above-mentioned
period.
o Led the amelioration of used cars business by 200% plus in 4 months.
- Holds the credential of being awarded twice the coveted “Leadership Excellence” award for outstanding team &
individual performance. Distinction of attending the elite LDP 2004 program meant for the TOP 20 of the mid /
senior management team.
Company industry:
Retail & Wholesale
Job role:
Sales

TERRITORY MANAGER

January 2000 - August 2002

PERSONAL & AUTO LOANS

January 2000 - August 2002

Holds the credential of -
o Launching and managing Personal Loans retention and new to market products
o Leading the efforts for generating 130% growth in volumes for retention business and 95% growth in open
market business
o Winning the Team Excellence award for the Best Personal Loan team countrywide
- Successfully drove the efforts for
o Consistently increasing the volumes by demonstrating an overall growth of 88%
o Leading the launch of used cars business in Bangalore.
UNIT I PRODUCTIONS, INDIA :
Job role:
Sales

Education

INSEADINSEAD

June 2022

June 2022

High school or equivalent,

courses: Digital Transformation Program

HULT Business School

June 2022

June 2022

Bachelor's degree, Management (Marketing & International Finance)

United Arab Emirates

courses: AGILE & DESIGN Program, Emirates NBD UAE Senior Leadership & Lean Programs, GE Money Crotonville LEAN & Six Sigma trained, GE Money India

Institute of Finance & International Managemen

June 2022

June 2022

Bachelor's degree, Science & Mathematics

India

,

RDVV University

June 2022

June 2022

High school or equivalent, Science & Mathematics

India

,

Skills

Sales and Marketing Management
Expert
Sales and Marketing Management
Expert
New Product development
Expert
New Product development
Expert
eCommunications
Expert
eCommunications
Expert
Digitization
Expert
Digitization
Expert
Banking
Expert
Banking
Expert
MANAGEMENT
Expert
MANAGEMENT
Expert
MARKETING
Expert
MARKETING
Expert
RETAIL
Expert
RETAIL
Expert
STRATEGIC
Expert
STRATEGIC
Expert
BANKING
Expert
BANKING
Expert
FUNDS
Expert
FUNDS
Expert
MICROSOFT WINDOWS
Expert
MICROSOFT WINDOWS
Expert
SALES
Expert
SALES
Expert
AUTOMOTIVE
Expert
AUTOMOTIVE
Expert
BOOKS
Expert
BOOKS
Expert
Sales and Marketing Management
Expert
Sales and Marketing Management
Expert
New Product development
Expert
New Product development
Expert
eCommunications
Expert
eCommunications
Expert
Digitization
Expert
Digitization
Expert
Banking
Expert
Banking
Expert

Social profiles

Personal Website
Personal Website

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