Assistant Vice President, Specialist, Architecture-Application (On-Boarding), Consumer Banking, Technology and Operations

Job description

Business Function Group Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Bank's operational processes and inspire to delight our business partners through our multiple banking delivery channels Job Purpose This role exists to provide single point accountability for design, delivery, and run of cross platform, multi business enterprise solutions within CBGT. Bridge business and technology by translating business requirements into scalable group-level solutions and, where needed, local automations Requirements Job Duties & Responsibilities • Own end to end delivery across requirement analysis, system design, build, testing, rollout, and post production support, ensuring commitments on Architecture and standards are met. • Provide sustained application ownership, including service delivery, SLA adherence, root cause analysis, outage reduction, and continuous improvement across the application portfolio • Drive standardisation and modernization, ensuring systems remain resilient, up to date, and aligned with evolving business and regulatory needs • Design and build enterprise applications for solutions which are used across multiple application (and hence multiple business teams) • To understand user requirements in developing and installing group solutions. • In the absence of group solutions provide local solutions to automate functions which can help in streamlining operations and own application/process/solution. • The ability to influence stakeholders and work closely with them to determine acceptable solutions. • Responsible for Service delivery of the team with focus on SLAs and customer management ensuring no escalations. • Managing stakeholder's relationship with different BU's and ability to manage escalated issues/ potential escalation • Own Root cause analysis provide tactical and permanent solution • Continue process improvement across the application portfolio. • Proactive analysis to drive down outage, improve recovery time and reduce time to engage • Work with management to determine and deliver key performance indicator, Service level agreement metrics • Manage production support issues end to end ensuring system recovery with minimum customer impact, ensuring remediation measure to prevent recurrence Required Experience • Strong functional knowledge of Retail banking domain especially Digital Channels (Mobile, Internet, Whatsapp banking), Customer Onboarding journeys including KYC solutions, Aaadhar enabled payments system, retail payments, core banking (Savings accounts, FDs, Loans, etc) • Minimum 5-10 years of experience in banking technology managing design, development and delivery of technology solutions in above areas working with cross functional teams both in Waterfall and Agile model • Experience with working in a multinational bank setup and managing delivery through Regional technology teams would be a huge plus • India working experience 2-4 years (preferred) • Hands-on experience in managing Technology teams supporting banking business domains both in terms of production support / stability and partnership on new initiatives / regulatory mandates • Experience of successfully facing off to senior business leaders • Wide knowledge of current and future trends in business and technology environment • Experience creating detailed reports and giving presentations Education / Preferred Qualifications • Technology, Engineering or IT Bachelors degree • Management degree would be an added advantage Domain Competencies • End to End CASA Onboarding Domain Expertise Strong understanding of the full retail Savings and Current Account onboarding lifecycle, spanning prospect creation, digital and assisted onboarding, account opening, activation, and early life stabilisation. • Multi Channel Onboarding Architecture Ability to design channel agnostic onboarding platforms supporting mobile, web, branch, relationship manager, agent, and partner led journeys, with seamless transitions between DIY and assisted models. • Regulatory Compliant Customer Onboarding Design Proven capability to embed RBI, PMLA, and KYC Master Direction requirements into onboarding systems, ensuring compliance across customer identification, documentation, record keeping, and audit readiness. • Customer Due Diligence (CDD) & Risk Based Onboarding Experience implementing risk based CDD frameworks, including differentiated onboarding for low, medium, and high risk customers, enhanced due diligence, and periodic review triggers. • Digital Identity & Verification Ecosystem Integration Hands on experience with CKYC, eKYC, VKYC, PAN validation, Aadhaar (offline/video), and identity matching controls, balancing regulatory compliance with customer experience. • Fraud, Mule Account & Abuse Prevention at Entry Point Ability to design onboarding journeys with preventive controls such as device/IP intelligence, geo location checks, negative lists, behavioural signals, and pattern based anomaly detection. • Product & Segment Variant Enablement Capability to support multiple CASA variants (standard savings, zero balance/BSBDA, minor accounts, salaried, affluent/HNI, digitally acquired accounts) within a single configurable onboarding framework. • Core Banking & E