نيراج Gandhi

Building a digital bank·Wio Bank

الإمارات العربية المتحدة

الثانوية العامة أو ما يعادلها,

الخبرة العملية

مجموع سنوات الخبرة: 24 سنوات, 1 أشهر

Building a digital bank

مارس 2021 - حتى الآن

Wio Bank

دبي، الإمارات العربية المتحدة

مارس 2021 - حتى الآن

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

مجال الشركة:: الخدمات المالية
الدور الوظيفي:: البنوك

HEAD

يناير 2019 - يوليو 2019

Emirates NBD Bank

الإمارات العربية المتحدة

يناير 2019 - يوليو 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.

مجال الشركة:: البنوك
الدور الوظيفي:: الإدارة

VICE PRESIDENT

مارس 2016 - ديسمبر 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.

الدور الوظيفي:: الإدارة

HEAD

ديسمبر 2007 - فبراير 2016

Auto Loans

الإمارات العربية المتحدة

ديسمبر 2007 - فبراير 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.

مجال الشركة:: البنوك
الدور الوظيفي:: الإدارة

PRODUCT MANAGER

يناير 2005 - فبراير 2007

ALTERNATE CHANNELS

يناير 2005 - فبراير 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.

مجال الشركة:: البنوك
الدور الوظيفي:: الإدارة

AREA SALES MANAGER

سبتمبر 2002 - ديسمبر 2004

WEST & SOUTH

سبتمبر 2002 - ديسمبر 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.

مجال الشركة:: البيع بالتجزئة وبالجملة
الدور الوظيفي:: المبيعات

TERRITORY MANAGER

يناير 2000 - أغسطس 2002

PERSONAL & AUTO LOANS

يناير 2000 - أغسطس 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 :

الدور الوظيفي:: المبيعات

التعليم

INSEADINSEAD

يونيو 2022

الثانوية العامة أو ما يعادلها،

courses: Digital Transformation Program

HULT Business School

يونيو 2022

بكالوريوس، Management (Marketing & International Finance)

الإمارات العربية المتحدة

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

يونيو 2022

بكالوريوس، Science & Mathematics

الهند

RDVV University

يونيو 2022

الثانوية العامة أو ما يعادلها، Science & Mathematics

الهند

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

حسابات مواقع التواصل الاجتماعي

الأشخاص شاهدوا أيضاً

Denis Kuznetsov

Head of IT PMO
Emirates Islamic

Joseph Khater - MBA PMP®

Senior Strategy Executive – Leadership Consulting Advisor
JK Consulting

Rihane Jaziri

Digital Marketing Manager
Abu Dhabi Department of Economic Development

Jad Cheikha

Lean Digital Transformation Senior Manager
Sukoon

Puneet Batra

AVP - Internal Controls and Governance
Mashreq Bank

نيراج Gandhi

مشاركة سيرتي الذاتية

الخبرة العملية

Building a digital bank

HEAD

VICE PRESIDENT

HEAD

PRODUCT MANAGER

AREA SALES MANAGER

TERRITORY MANAGER

التعليم

INSEADINSEAD

HULT Business School

Institute of Finance & International Managemen

RDVV University

Skills

حسابات مواقع التواصل الاجتماعي

الموقع الشخصي