Sandeep Ranjan

As Chief Information Officer at Truhome Finance Limited, I lead IT functions, drive cybersecurity enhancements, ensure regulatory compliance I am a key member of the IT Governance Committee, guiding the company's technology strategy. Achievements: • Lead all IT functions, including cybersecurity, compliance, and technology procurement • Directed IT teams to deliver projects on time and within budget • Enhanced digital accessibility and user experience for internal and external customers • Managed cybersecurity posture and regulatory audit processes

As Chief Digital Officer at Truhome Finance Limited, I drove digital innovation and strategy, digitized company processes, and enhanced the digital experience for both customers and employees, positioning Truhome as a leader in affordable housing. Achievements: • Drove digital innovation and strategy company-wide • Digitized processes emphasizing design-led development philosophy • Increased digital onboarding rates from 0% to 97% • Launched mobile apps for sales, collections, and self-onboarding • Implemented AI-powered multilingual voicebots for service and collections • Optimized customer journeys and process efficiency

As Head of Customer Service & Digitization at Fullerton India Credit Co. Ltd, I led digital transformation initiatives, ensuring high-quality customer service and innovative solutions. I managed external partners and vendors, providing regular updates to senior management. Achievements: • Led customer service, digitization initiatives, and project management office • Managed vendor relationships and external partnerships • Improved customer experience while reducing operational costs • Researched and implemented AI, robotics, eConsent, and chatbots • Led advanced payment systems implementations like BBPS, eNACH, and QR payments • Created an RPA team to enhance productivity

As Head of Digital Strategy at India Infoline Finance Limited, I designed and implemented digital strategies, managed digital assets, and streamlined processes to improve customer service and drive business growth. Achievements • Designed and implemented digital strategies and assets • Enhanced mobile and web customer services, improving user experience • Reduced costs via digital process innovation • Managed marketing roadmap and brand visibility • Implemented digital collections and payments services • Digital Strategy, Mobile & Web Technologies, UI/UX Design, Digital Marketing

• Heading Remote channels including Online Banking, Mobile Banking and other subsystems like E-Statements, Alerts and Payment Gateway • Administering the channels including P&L Management • Enhancing the penetration of Remote Channels for SCB customers • Enriching the customer experience by managing channels and bringing new functionalities on Remote Channels • Devising strategies for Customer Retention on Remote Channels Important achievements – • Launched Breeze Mobile Web, the truly responsive mobile application for banking • Increase of over 200K Remote Channels active base achieved in FY13-14 • Revamped the SCB India Public website, one of the first truly responsive website in banking industry • Introduced straight through functionalities on Remote channels thereby reducing TATs and enhancing customer experience as well as eliminating cost • Implemented VAS services on Remote Channels to provide services as well as earn incremental revenues

Currently managing Mobile Banking platform for SCB India. The role includes managing usage, activation product enhancement and new product launches. Directly responsible for launching integrated Mobile Banking platform for SCB leading to enhanced service delivery for the Bank.

Essayed a stellar role in designing and launching new and innovative payment solutions for ICICI Bank Credit Card Group Functioned as a Product Manager & managed X- Box ICICI Bank Co- Branded Credit Card's Rollout and Sales Served as a part of Cards Strategy Team for implementing Mobile Commerce & Mobile Banking Platform for ICICI Bank Holds the merit of launching the mChek services and rolling out to the customers for the bank

As Manager- Special Projects Team Accomplished the following 2 projects: - Implementation of Pay as You Use Model of PC Financing- Pay as you use PC financing model was being brought to India along with Microsoft. Defined customer proposition, drafted marketing plans and implemented strategy. - Implementation of Mobile Payment Solution for ICICI Bank to enable credit /debit card transactions through mobile phones. Formulated strategy for rollout, designed product offering and implemented planning.

As Asst. Manager - Commercial Cards/ Product Manager- Commercial Cards Team Holds the merit of executing multiple product and initiatives as Product Manager in Commercial Card Team like: HPSmart1: Loyalty Programme of HPCL being managed by ICICI Bank. Managed sales enhancement, enhanced card penetration, monitored activation and launched customer promotions. Kisan Cards: Designed product offerings on cards platform rural sector along with RMAG (Agri Business Group of ICICI Bank). Managed Kisan Cards Sourcing and usage for all the locations. Process Standardization Initiative: As FPR for Level 3, a process standardization initiative of ICICI Bank, which ensure standardized processes across multiple locations. Designed processes, trained teams and audited them.

Key Result Areas - Led Business Development Operations for Smart Card Based Systems for Defence, Railways and Government Sector - Conducted process study & need analysis

Successfully implemented projects for prestigious clients including: - Smart Card Based System for Canteen Management for Army Head Quarters, New Delhi - Visitor Pass Management System for Rashtrapati Bhavan, New Delhi