Nitish Garg

Built a bank - Products, Channels and Technology

Jaipur Area, India

FinTech International Shipping Projects Payments Banking Start-ups

Digital Transformation, Technology project implementation. 

Retail Liabilities Products, Payments and financial technology experience. Core member of AU Small Finance Bank launch team, now working on development of its liabilities, cards and payments products, and digital channels.


DVP - Liabilities and Payments Products at AU SMALL FINANCE BANK

Sep 2016 - Present

Managing various products and portfolios - Corporate Salary, Debit Cards, Retail Fixed Deposits, Digital Channels and Lockers. Independently managed the roll-out of AU's Visa Debit Cards - including implementation of ATM Acquiring and Debit Issuing certification and testing with Visa, product segmentation and marketing strategy. Business Project Manager for new initiatives, technology implementations and enhancements. I collaborate with bank's IT team, technology vendors and consultants to write and sign off business requirement documents and FSDs for new applications and enhancements. Work on applications across Core-banking, CRM, Self-initiated and assisted customer onboarding, Retail and Corporate Internet-Mobile Banking, Billing, Merchant Acquisition. Program Manager for Retail Liabilities' technology implementation - product architecture, parameterization, testing scope and approach, prioritization of future requirements.

Co Founder at Zaraki Ventures

Jan 2012 - Sep 2016

Set up a trading firm to leverage international trade know-how and supplier-buyer network. Expertise in B2B buying from Europe and China. Skills in negotiating commercials and SLAs.

National Product Manager at ING

Jul 2010 - Jan 2012

AVP - Products and Marketing at HSBC

Apr 2008 - Jul 2010


MBA at IIM Calcutta

May 2006 - Mar 2008

Push pixels...
Shovel coal into server...
Create mockups...
Defend the wall...
Draft storyboard...
Disrupt an industry...
Achieve profitability...
Become a unicorn...
Become Batman...