Jaideep Billa
Chief Executive Officer
Intellect Global Consumer Banking

Intercept the Future : Be the Disruptor !

In the exciting world of Banks & Financial Institutions, there is no doubt that THE TIDE is Digital! The Promise of Digital has been around creation of new markets and serious microization. Take, for example, micro payments, micro lending or micro remittances. The other side of the coin is however threats, the big threat is DISINTERMEDIATION.

In this landscape, what are the response choices for banks?

Choice #1: Leverage digital as a transformation lever - Topping up more services on the mobile or on the online front is hygiene. The important thing is for banks to go deep into the daily life of their customers. They need to give as much importance to the touch points, pre and post transaction, as much as the transaction itself. This movement is much above customer centricity or engagement. It is about highly integrative Bank follows you'!

Choice #2: Intercept the future & be the disruptor - What if the Bank had the digital ammunition of an audacious FinTech disruptor? What if the Bank had digital technologies that gave wings to its imagination?

This is us. Complete Digital Bank, Powered by Intellect.

Intellect Digital Core featured amongst Leading Core Banking Product Vendors offering solutions across the MEA market in Gartner's report1
- Gartner

Intellect Digital Core featured in Ovum's Decision Matrix report for Core Banking Systems in the European Market
- Ovum

Intellect Lending named amongst "Well-Established Specialists with Front-Back office Lending Systems"
- IBS Intelligence

Intellect Wealth awarded "Leading Vendor Digital Tools for Financial Advisors 2015"
- My Private Banking


Intellect's proven domain expertise and its Core Banking solution will help us in achieving our agenda.

I also believe that the solution would also provide us with the flexibility and robust scalability required to support our growth plans.

Gil A. Buenaventura
President & CEO,
Development Bank of Philippines


In the 18 months since successfully implementing Intellect's Digital Core banking solution, all of the Bank's key indicators have improved materially. The most important of these indices are customer count (increasing by 20% from 7.5 million to 9.2 million customers), loan count (increasing by 30%, from 7 million loans to 9.2 million loans), and customer delinquency rate decreasing to under 1%.

Hoang Minh Te
Deputy General Director
Vietnam Bank for Social Policies


Intellect Design Arena has helped the Reserve Bank of India to implement an overarching payments infrastructure to facilitate mass financial inclusion in India. It drew praise for its ability to rapidly scale up capabilities for central bank clients.

Christopher Jeffery,
Chairman of the Central Banking
Awards Committee and
Editor-in-chief of Central


As HDFC Bank adjusts itself to a more demanding and continually changing technology environment and looks forward to a compelling Core Banking Solution, Intellect brings its diverse mission critical implementation experience to this engagement. Ranked a leader in this segment, with a proven track record in delivering scalable, secure and reliable solutions, we do hope this deployment will complement our bank in a cost effective manner and live up to the expectations of our customers.

Nimal B. Mamaduwa
CEO & GM HDFC Bank of Sri Lanka



Sriram Vaidheeswaran
Business Head
Quantum Central Banking


Paramdeep Singh
Business Head
Digital Core


Padmini Sharathkumar
Business Enablement

With over a 25-year long career, Sriram joined us from Standard Chartered Group, where he was responsible for developing core banking products, internet banking products and implementing and supporting them in over 15 countries. Sriram is an engineering graduate from PSG College of Technology, Coimbatore.

An Electrical and Electronics Engineer from BITS Pilani and an MBA in Marketing and Finance from XLRI, Jamshedpur, Paramdeep has over 25 years of experience in Consumer Banking, Retail Lending, Cards and Insurance. He has worked with leading companies such as GE Capital and GE Money, HSBC, SBI, BNP Paribas Insurance and Unilever.

Padmini, an alumnus of BITS Pilani, has over two decades of experience as a techno-banker and Marketing strategist. She has worked in the treasury and technology businesses at American Express, where she was the recipient of the Chairmans Quality Gold Award. Among other accolades, she has also received the Women Leadership Award from the Institute of Public Enterprise.


Vinay Kumar
Business Head


Sathish N
Business Head


Chetan Pandya
Business Head
FT Grid (Cloud Business)

Vinay Kumar holds a PGDM from IIM, Ahmedabad. In a career spanning 25 years, Vinay has gained extensive expertise in private banking, wealth management, margin trading/lending, OTC derivatives, brokerage operations, IT product design & delivery.

Sathish is a Techno functional expert, with over 20 years of experience. He has spent a major part of his career working with Global products in Core Banking, Customer centric Revenue Management, Pricing, Analytics and Digital banking. He has gained extensive transformation experience across geographies in his previous stints with SunTec and Oracle.

Chetan has about 19 years of experience in financial services business and technology and has led multiple transformations and scale-up of IT operations with his earlier employers. He holds an MBA in Finance from IMS Indore and a CISSP certification from (ISC)2 USA.


Gopala Rathnam C R
Domain Expert
Digital Core


Pattabhiraman Iyer
Chief Solutions Architect
Quantum Central Banking


Gopal A D
Domain Expert
Quantum Central Banking

Gopala Rathnam, a certified Associate of Indian Institute of Bankers, comes with rich expertise in the retail and corporate banking domain. In a career spanning over three decades, he has worked with State Bank of Mysore where he has handled operations and headed branches with focus on corporate credit and trade finance besides retail banking.

Raman is a subject matter expert and brings with him over 35 years of experience across various domains of banking. He was with IndusInd Bank for over 20 years handling different leadership roles including leading a large team for business application implementation, which involved country wide migration of data and processes.

Gopal has over 39 years of rich domain expertise in Banking and Financial Technology. A veteran at Intellect, Gopal is a product strategist for Quantum Central Banking. Prior to Intellect, he worked with one of the leading Public Sector banks in India, where he implemented legacy transformation projects for the bank.


Pinaki Mondal
Service Delivery Director
Quantum Central Banking


Anil Singhania
Service Delivery Head


Vishal Pant
Client Success Director

Pinaki comes with about 20 years of experience having handled leadership positions in Citibank and Oracle. He holds a B.Tech in Electronics & Electrical Communication from IIT, Kharagpur and a PGDM from IIM, Bangalore.

Anil, a Chartered Accountant (CA) and Cost Accountant (CMA), has over 22 years of work experience spanning across software project life cycle and delivery management. He joined Intellect after spending 10+ years in ICICI Bank wherein he worked in the areas of Accounts, Operations and specific projects of software implementation, BCP and BRE.

Vishal has a bachelors degree in Electrical Engineering and also holds a PGDM from IIM Bangalore. In a career spanning 20 years, Vishal has largely worked with global financial institutions like Royal Bank of Scotland, where he headed the microfinance business for India.


Ashish Jalnapurkar
Business Head
Digital Face


Ravi Srinivasan
Service Delivery Head
Digital Core


Prasanna Venkateswaran R
Manufacturing Head
Digital Core

Ashish, a senior banking professional has over 19 years of experience in managing product development of Retail & Digital Banking channels, Branch Sales, Distribution and Operations. Before joining Intellect, he was heading digital banking and liability products in Barclays Bank, India.

Formerly with Wipro as a Global Client Partner, Ravi has demonstrated success in implementing complex projects across APAC, Australia, EMEA, UK and US including upgrade projects for the Ministry of Finance, Government of Singapore. Ravi brings with him global expertise of over 25 years in enterprise-wide turnkey solutions.

Prasanna has a career record spanning over 25 years as a hands-on technology expert, engineering leader and strategic architect for very complex and large mission critical transformational programs. He joined Intellect 2 years ago from CSS Corp, where he was the head of product life cycle services.


Siva Subramaniam GV
Product Head
Digital Core


Sukhdev S Kohli
Client Success Director
Digital Core


Mahadeva Prasad S
Head Pre Sales
(India, SAARC, Africa) Digital Core

Siva's career spans over 20 years, of which the last 13 years was at Infosys' product division - Finacle. Siva was an integral part of the core leadership team that decided the Roadmap for Finacle, besides anchoring client advisory boards. Prior to Infosys, Siva has had successful stints at ICICI, GE Countrywide & Tata Finance.

Sukhdev, an alumnus from BITS Pilani is a techno-functional professional with vast Global Delivery, Implementation, Solutions & Pre-Sales experience. With a career spanning 25 years, he was instrumental in developing a specialised Global Banking System for a leading technology giant.

Mahadeva Prasad is a seasoned banker with over 22 years of retail banking experience in Union Bank of India. He was part of the winning team involved in Central bank deals - Central Bank of Seychelles, Reserve Bank of India and National Bank of Ethiopia.


Mohan K S
Manufacturing Head


Haja Mohideen
Business Head
Digital Banking Group


Vidya Kabra
Delivery Excellence & Quality

Mohan brings over 19 years of experience in product practices, product evolution and automation. In his prior stint, he played a leadership role with Infosys Finacle where he was responsible for delivery of channel services in the APAC region.

With over 23 years of experience in managing information technology for banks, Haja was instrumental in setting up many new Islamic banks from scratch including Abudhabi Islamic Bank, Ajman Bank and Barwa Bank. He has been awarded the Financial Technology Leader in Financial Technology Summit held in the Middle East.

Vidya, an alumnus of IIM-Ahmedabad, comes with an experience of 24 years in process quality management, testing, delivery excellence and risk management. Prior to Intellect, she has handled strategic and functional leadership roles with global players like Toshiba, Wipro and Fiserv.


Krishna Besetti
Bid Management

Krishna is a mechanical engineer from University of Madras. He has over 20 years of experience spanning multiple verticals including manufacturing, automobile, BFSI and IT services. His specialties include IT strategy consulting, portfolio, program & project management consulting, presales and bid management.