Executive leader with extensive experience in banking strategy, digital transformation, and P&L growth.  Currently the Director – Retail & Business Banking at I&M Bank where he oversees the retail and commercial strategy and P&L for multiple banking segments.  Under his leadership increased customer acquisitions by 6X and digital transactions by 20X.  Prior to that has led the Strategy & Transformation office, implementing an innovation hub and digital initiatives that enhanced customer engagement and delivery of digital solutions.   He also sits on various Boards in the group including I&M Bank Tanzania, Bank One Mauritius and I&M Realty.