Business Head-Digital Banking

Confidential; Mumbai; Hybrid; INR 5,000,000 - 7,000,000; Full time

Job summary

Confidential is seeking an SVP & Business Head for Digital Enterprise Platforms & Channels, responsible for growth and profitability across the Eastern Hemisphere. This role demands end-to-end P&L ownership and a leader skilled in bridging legacy banking with future finance.

The ideal candidate will have 15-27 years of experience in BFSI/Fintech, proven P&L success, and expertise in Digital Banking and Cloud-native architectures.

Qualifications

• 15–27 years of experience in BFSI, Fintech, or Digital Consulting.
• Proven record of managing a $20M+ P&L with consistent growth.
• Expertise in Core Banking Modernization and Digital Wallets.
• Understanding of AI and Cloud as default technologies.
• Strong in Value-based Pricing and outcome-linked models.

Responsibilities

• Drive revenue and EBIT for the Eastern Hemisphere.
• Lead multi-year transformation deal negotiations.
• Build the GTM for Banking-as-a-Service.
• Guide CEOs and CTOs on digital agendas.
• Recruit and mentor a high-performance team.

Skills

P&L management

Digital Banking expertise

Cloud-native architectures

Commercial Acumen

Cultural Intelligence

Job description

Job Description: SVP & Business Head – Digital Enterprise Platforms & Channels (Eastern Hemisphere)

Location-Mumbai or Chennai

Exp-17-27

Mandatory-Exp in Digital Banking and PnL management

Role Overview

As the SVP & Business Head, you will be the chief architect of growth and profitability for our Digital Enterprise Platforms and Digital Channels business across the Eastern Hemisphere.

This is a full P&L ownership role ($100M+ portfolio) requiring a leader who can bridge the gap between "legacy core banking" and the "future of agentic, embedded finance." You will lead a high-performance organization to position us as the transformation partner of choice for Tier-1 banks and Tier-0 Fintechs.

Core Responsibilities

1. P&L & Commercial Stewardship

• End-to-End P&L Ownership: Drive revenue, gross margins, and EBIT for the Eastern Hemisphere.
• Model Innovation: Shift from traditional "services" revenue to high-margin Platform-as-a-Service (PaaS) and API-based annuity streams.
• Deal Structuring: Lead negotiations for complex, multi-year transformation deals, ensuring commercial viability and risk mitigation.

2. Digital Channel & DEP Strategy

• Agentic Experience Design: Drive the shift from GUI to Agentic AI interfaces, where autonomous agents handle complex customer journeys.
• Embedded Finance: Build the GTM for Banking-as-a-Service (BaaS), integrating banking capabilities into regional Super-Apps (e.g., Grab, Careem, PhonePe).
• Optichannel Orchestration: Implement predictive AI routing to ensure customers engage through the most cost-effective, high-conversion channel in real-time.

3. Strategic GTM & Market Expansion

• Regional Roadmap: Define 3-year growth strategies for high-potential corridors (e.g., GCC, Southeast Asia, and India).
• Ecosystem Alliances: Strengthen "Co-sell" motions with hyper-scalers (AWS/Azure) and core-banking platforms (Temenos, Mambu, Thought Machine).

4. CXO Relationship Leadership

• Strategic Advisor: Act as a "Trusted Partner" to Bank CEOs, CTOs, and COOs, guiding their board-level digital agendas.
• Eminence: Represent the organization at major regional forums (e.g., Singapore Fintech Festival, ADGM/DIFC events).

5. Practice & Talent Building

• High-Performance Culture: Recruit and mentor a multi-disciplinary team across Sales, Digital Architecture, and Delivery.
• Digital Factory Model: Establish "Digital Factories" that allow clients to move from "concept to code" in weeks rather than months.

The Ideal Candidate Profile

Experience

• Tenure: 15–27 years in BFSI, Fintech, or Digital Consulting.
• P&L Success: Proven history of managing a $20 M+ P&L with consistent double-digit growth.
• Domain Mastery: Deep expertise in Core Banking Modernization, Digital Wallets, Real-time Payments (UPI/Aani), and Cloud-native architectures.
• Digital Native: You view AI and Cloud as the default, not an "add-on."
• Commercial Acumen: Expertise in "Value-based Pricing" and outcome-linked commercial models.
• Cultural Intelligence: Ability to navigate the diverse business etiquettes of the APAC and MEA regions.

Key Performance Indicators (KPIs)

• Total Revenue & Margin: Achievement of annual topline and bottom-line targets.
• Platform Multiplier: Increase in revenue derived from DEP (Platform)
• Digital Adoption: Success of channel strategies measured by end-user migration to AI-led platforms.
• Customer LTV: Expansion of wallet share within key global accounts.