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Raghavendra Bhat
Executive GM - Digital
Professional Background
Raghavendra Bhat is a seasoned leader and visionary in the realm of digital channels, currently serving as the General Manager – Digital Channels. His role encompasses a diverse range of responsibilities aimed at enhancing the organization's engineering-centric culture. Raghavendra is committed to introducing innovative digital solutions that empower both customers and employees to protect and grow their wealth efficiently. With a strong belief in continuous improvement, he strives to reduce friction in every interaction to create seamless experiences for all stakeholders.
Raghavendra leads highly skilled engineering teams that focus on internal and external customer-facing digital channels, Cloud solutions, DevOps, and Innovation. His proactive approach identifies the need for and delivers impactful solutions that catalyze growth, optimize costs, and significantly enhance the customer and employee experience.
An engineer at heart and a passionate leader, Raghavendra possesses extensive experience in developing and managing diversified organizations with global footprints in corporate and consumer services. His unique expertise lies in defining, developing, owning, and implementing strategic visions, frameworks, and solutions that have been recognized for excellence across the digital payment spectrum.
Through his innovative work in remote customer touch-points, including voice, internet, mobile banking, phone banking, and ATMs, Raghavendra has consistently exploited cloud platforms such as AWS, Google Cloud, IBM-RedHat, and Microsoft Azure to create best-in-class offerings. His diligent efforts not only enhance customer engagement but also ensure a competitive edge in an ever-evolving market.
Education and Achievements
Raghavendra's educational background reflects his commitment to continuous learning and excellence in various disciplines. He studied at several prestigious institutions, where he completed significant coursework that reinforces his strategic approach to digital transformation and innovation. His notable academic achievements include:
- Studying Creative Music at Stanford University through NovoEd, where he completed the course with distinction.
- Completing a program in Managing Strategy and Financial Performance in a Digital Era at INSEAD, which equipped him with insights into strategic decision-making in the digital landscape.
- Pursuing a focus on Digital Business Transformation at the Sloan School of Management at MIT, further enhancing his knowledge in business management and transformation.
- Earning a Master’s of Business Administration in International Trade & Finance from Victoria University.
- Graduating with a Bachelor of Engineering in Industrial and Production Engineering from Karnatak University, where he finished as the university's first rank holder.
- Completing a Graduate Certificate in Artificial Intelligence from Deakin University, underscoring his commitment to remaining at the forefront of technology.
Notable Contributions
With a wealth of experience across various esteemed organizations, Raghavendra has held pivotal roles that have shaped the future of digital banking and customer engagement. His career trajectory includes:
- Serving as the Executive GM – Digital at National Australia Bank (NAB)
- Previously being a member of the Customer Advisory Board at New Relic, Inc.
- Taking on the role of General Manager, Digital Portfolio – Technology Lead at ANZ Banking Group, where he contributed significantly to the organization’s digital strategy.
- Leading the Head of Technology for Digital Channels at ANZ, demonstrating his capacity for leadership and innovation.
- Engaging in Digital Product Engineering at Capital One, furthering his expertise in product development.
- Holding the position as SVP Digital Strategy & Product Management at Citi, reflecting his influential role in corporate strategic initiatives.
- Managing the delivery of Retail Internet & Mobile Banking as their Delivery Head at Citi, where he oversaw critical banking innovations.
- Leading customer touchpoints, including Internet Banking, IVR Phone Banking, and ATMs at Citi, ensuring seamless user experiences across platforms.
- Founding Ranium Technologies, showcasing his entrepreneurial spirit.
- Serving as Engineering Lead – Digital at Citi, where he harnessed engineering excellence to enable digital transformations.
- Having previously worked as an Engineering Lead at Mphasis in Singapore, contributing to international projects.
- Utilizing his expertise as Principal Engineer (Consultant - Commercial Internet Banking) at Deutsche Bank and Systems Analyst at Mascot Systems.
Overall, Raghavendra Bhat embodies the blend of strategic foresight, engineering expertise, and leadership that drives innovation in the digital banking sector. His dedication to problem-solving and advancing digital channels reflects his aspirations to create compelling user experiences and foster growth in an increasingly digital world.