Cyril Mohapatra | Senior Vice President & Head of Digital Solutions
Indusind Bank

A Brief Background about myself, Career Banker & Turnaround Specialist, People Manager and   with more than 25 years of successful, progressive experience in Transformation, Digital Banking, Retail Banking & ITES Services.  An MBA in Finance & and have been instrumental in succeeding and attaining Digital Transformation objectives within rapid-changing and challenging business environments across geographies including India, Middle East.  An innovative and dynamic performer with a successful background in strategy execution, digital transformation.   Over a Span of 25 years some of the Key initiatives that i have launched across organizations are as follows:

1. Indus Merchant App
2. Gift city app 
3. Indie by Indus Ind Bank - NEO Banking App 
4. Central Bank Digital Currency App - CBDC
5. Easy Credit - Digital Lending Platform for Cards and PL 
6. Digital Banking Units - DBU
7. Quality Assurance and Automation for testing 
8. Discount Coupons from ATMs
9. Cash Recyclers for corporates 
10. Omni channel Platform for Net and Mobile 
11. Self Service Kiosk 
12. Cheque Deposit Machine
13. Tab Banking
14. Lead Management System
15. Sub membership programme for Coop Banks
16. Cash Forecasting System
17. Dispute Management system and Many more

   I am currently associated as  SVP and Head – Digital Solutions Group with Indus Ind Bank and am primarily responsible for handling the following verticals:

• Digital Channels – Net Banking, Mobile Banking, Whats app, Chatbot , Alexa, Website Indie , Gift city , CBDC app.
• Digital Platforms for Individual Segments – Savings Account Opening Platform, Digital Lending for PL and CC for both assisted and DIY Journeys, EMI Debit, BNPL products
• Digital Platforms for SME Segments – Indus Merchant Application, Digital Lending for SME Business including products like small ticket business loans & GST linked loans, Current Account opening platform for both DIY and Assisted journey, Video KYC platform
• Engagement Platforms – Loyalty, Event Based Engagement Tool , API management for onboarding 3rd party partnership arrangements

• Responsible for setting up and running the Quality Engineering Framework by introducing testing automation in the entire Software Development life cycle
• Responsible & Heading the Quality of Digital Services division for ensuring customer delight and improved Customer experience
• Responsible for Driving the Government of India , RBI and IBA initiative of setting up Digital Banking Units right from conceptualization to implementation and operationalizing the same.
• Introduced & Implemented Multifunction Kiosk and Recyclers for the Bank for DBU initiative
• Develop synergies and digital solutions for the Bank by onboarding and collaborating with new age Fintech Companies
• Responsible for delivering high end solutions across all digital platforms under digital business over 800 releases across platforms annually
• Responsible for Vendor Management , Contract negotiations and Commercial Negotiations for all partners associated with the Digital Business.
• Responsible for Compliance Governance and Audit for the entire Digital Business. Implemented Digital Lending guidelines and underwent multiple rounds of audits with Regulator.

Earlier I was associated with Sohar International formerly known as Bank Sohar, Muscat (Oman) and have been instrumental in the Digital transformation and digitization brought in Bank Sohar Retail Banking within a short period of 3 years+, and introduced many high value projects which helped in the overall transformation of the organization. Few of the projects namely Implementation of the Pan Bank Omnichannel Customer Experience Platform, Digital Branch Solutions like Multifunction Kiosk, Interactive Tellers, Digital Business solutions like Pan Bank Lead Management System, Incentive Management System, Cash Recycling Technology, Digital Onboarding, Tablet Banking, NDCE, ChatBots, Social Media Banking etc. Apart from this, I have been instrumental in revamping the existing Digital Channels and also introduce new functionalities on the digital channels which includes new Mobile Banking and Internet Banking applications for Retail, Islamic and Conventional Businesses thus complimenting the physical channels and migrate the physical transactions to digital and help in reducing the cost per transaction. Before Oman, I was associated with Yes Bank India for over 8.5 years in Digital Banking as Group Executive Vice President and heading the Self-Service Channels, White label ATM sponsorship programme and NPCI sub membership Programme.I was also associated with Hitachi Payments formerly known as Prizm Payments, Euronet Worldwide, Kotak Mahindra Bank and ICICI Bank.