Charandeep Singh Hattar

Chief Technology Officer - Housing Finance Limited

Aditya Birla Capital · Full-time

• Digital Lending Transformation: Managing enterprise-grade Loan Origination System (LOS) and Loan Management System (LMS), cutting loan processing time by 40% and enhancing customer onboarding journeys. • Data-Driven Lending: Built Databricks-based analytics platform for real-time risk scoring, collections insights, and customer segmentation; improved NPA monitoring and collections efficiency by 25%. • API-first Ecosystem: Established API Gateway & platform, integrating with CERSAI, UIDAI, NSDL, credit bureaus, payment gateways, ensuring high availability (99.9% uptime). • Cloud-First Strategy: Migrated critical workloads to AWS Cloud, optimizing cost by 20% while enabling automated disaster recovery. • Infra & Network Modernization: Built SLA-driven observability framework with monitoring tools, ensuring 99.97% uptime across customer-facing platforms. • Customer-First Digital Assets: Revamped housing finance portals & mobile apps, driving a 3x increase in digital loan applications. • Transformation Office Setup: Established enterprise PMO & Transformation Office using EVM (CPI/SPI) metrics for delivery predictability and transparency. • Governance & Compliance: Instituted enterprise architecture & IT governance to mitigate security and regulatory risks across 8 business lines.

Senior Vice President Digital Technology Transformation

Aditya Birla Capital · Full-time

In-charge of Digital technology transformation, driving change, innovation, service delivery, production support and digital program functions across Aditya Birla Capital businesses for CRM, API ecosystem, Enterprise Architecture and Low Code - No Code development. Built PMO function from scratch, managing technical engagements from concept to final delivery.Leading cross functional teams across product, design, engineering, testing and release management. Implemented project monitoring & control processes based on Earned Value management and PMBOK framework. Developed project performance and evalutation scorecard based of Six Sigma quality parameters for managing multiple portfolios across financal service product line-up. Successfully managing and reporting project risks, cost and schedule performance index to senior stakeholders. Building future ready digital capabilities and skills such as DevSecOps, Performance Engineering and automation. On-boarding and managing third party supplier and par Managing profitability of technology center by monitoring project costs, recruitment of personnel and resource utilization. Monitor projects, revenue yield per employee and customer engagement to drive on-time delivery and project profitability. Representing business performance to company's board. Leading the pre-sales and work demand generation activities for the unit. Built a pipeline of large value and complex projects across data, regulatory reporting, web app development, CRM and Campaign management to name a few. Driving software development activities to meet aggressive timelines while maintaining the highest bar of quality and focus on exceeding customer expectations / NPS. Hands on in conducting regular design and architecture reviews, ensuring team has a sense of ownership for all projects being developed. Identify training needs of the unit on an on- going basis. Implemented process & approach for enhancing the team productivity

VP & Head Digital Technology Delivery Centre (Captive)

Aditya Birla Capital · Full-time

Developed and implemented digital technology strategy that complements overall business goals of increasing profitability and return on equity. Orchestrated a robust operating model that synergizes enterprise IT and business deliverables. • Built technical capabilities to deliver the organization’s digital and technology agenda by setting up and scaling a 100+ seater specialized in-house engineering development center. • Spearheaded the set-up of the various Centre of Excellence (CoE) to drive exceptional customer experience across all digital channels used by end users, distributors, front-line sales teams, and employees. o UI- UX and Design Thinking: Research-led design developed in agile methodology for digital lending assets o API Gateway & Platform: Unified integration engine for all external partners such as Paytm, ONDC, OCEN o Performance Monitoring & Observability: Robust SLA driven Infrastructure and Network service delivery o User acceptance and Regression Testing: Improved code quality leading to on-time project delivery and cost optimization. • Successful in setting up the Transformation and Project Management Office (PMO) to bring uniformity and transparency across all technology project deliveries. Implemented earned value management concepts to measure project success in terms of cost (CPI) and schedule (SPI). • Large-scale application modernization initiative for customer-facing digital assets across lending and insurance business units which led to improved customer acquisition and overall business results & efficiencies. • Led data transformation initiatives for all Aditya Birla Capital business units to create a unified customer profile leading to better product recommendations and ideal next-best offers for end users and distributor workforce. • Implemented automated rules-based underwriting engine for Lending and Insurance business resulting in faster loan and policy disbursement.

Vice President - Digital Platforms & Channels

Bharti AXA General Insurance · Full-time

In charge of creating a superior digital customer experience across company owned platforms for Direct as well as Bancassurance channel partners. Set up the vision, strategy and roadmap backlog for the digital products. Created a fully online digital platform for selling General Insurance products seamlessly integrated with core back-end systems as well as after sales servicing modules. Successfully developed Enterprise architecture for digital business applications, data and technology systems. Continuously evolved and managed the governance and technology strategies, standards and policies using models such as TOGAF/ Zachman. Project leader for the entire digital ecosystem, coordinating critical day to day production, compliance and maintenance activities including sprint cycles, DevOps based deployment, release management, business continuity and disaster recovery. Created personalized user journeys, design (UI-UX) and work flows to provide a delightful product experience to customers, agents and brokerage firms at each interaction touch points such as the website, call centers, mobile apps and social media channels. Implemented ‘Voice of Customer’ practice based on Six Sigma DMAIC process. Gathered and assessed customer data through direct observations, surveys and face to face customer interviews. Improved various operational process efficiencies around policy issuance, quote generation and payment services. In-charge of CSAT, NPS for the organization. Making continuous feature enhancements to the digital platform and channels to support the company’s renewal retention, cross / up sell and social referral initiatives leading to higher profitability and customer brand affinity. Responsible for implementing user acquisition strategies as well as managing overall cost of acquisition for the digital platform and channels. Driving relevant traffic via organic, direct, referral, social and paid channels.

Consultant (Full Time) : Digital Product Management & Delivery

ICICI Prudential Life Insurance Company Limited · Full-time

• Responsible for conceptualizing, developing and implementing digital strategy, solutions & products for the Human Resources department. • Set up digital assessment & interview platform capable of organizing proctored as well as in-person sessions for 200 to 500 concurrent users. • Responsible for re-engineering the learning management process, tools and backend technology. Significant Highlights: • Led a team of technology vendors to prepare a thorough analysis of system capabilities. Generated actionable recommendations and business requirements for the same. Put in place a detailed project plan to implement the recommendations. • Re-engineered the client and server-side technology used for the HR platform. Integrated external services such as Mobile app based assessments, psychometric tests and personality analysis. • Driving data analysis & mining projects for the leadership team. Worked with the technology teams to develop and implement data management infrastructure and tools. • Conceptualized and created company’s social engagement platform with capacity to connect more than 7,000 employees concurrently. • Revamped the Learning Management System (LMS) to include collaboration tools and forum section as new features. Also implemented game based learning apps, animated onboarding modules in a story telling format & animated videos as part of the LMS.

Managing Partner - Digital Technology Consultancy & Delivery

Professional Model Making (ProMM) IT Services · Full-time

My entrepreneurial venture. It is a value based Technology consulting and services firm based in Qatar. The vision is to enable clients and partners based across all GCC, overcome their most simple to extreme technology challenges by designing & implementing highly innovative solutions for them, in the most cost effective way possible. • Held full accountability of launching and managing the Technology consulting & services practice for the start-up firm. • Setting up business operations and responsible for revenue and P&L performance. • Led sales, marketing & IT teams for the development and integration of Enterprise software (ERP, CRM), web and mobile applications for BFSI, retail and Logistics domains. • Head of business development & channel sales in the Middle East region. Successfully drafting & finalizing complex business agreements including technical RFP/ RFIs. • Managed process mapping, resource allocation & delivery milestones for all projects in digital media domain including e- commerce modules. Hired QA team for testing all aspects of project during Alpha, Beta and Gold stages of development. Significant Highlights: • Built the strategic consultancy practice in the IT, Telecom & Digital Media sectors from scratch. • Exemplary expertise in setting up process of lead generation, qualification and sale closure. Played significant role in building new client base through various channels such as cold calling, print & social media and client visits. • Expertise in implementing agile methodologies, Test Driven Development & Quality control process for the digital services.

Country Head - India ( Studio Operations, Product Delivery & Business Development)

Mango Games Interactive Pvt. Ltd · Full-time

Founding member of the Social mobile Gaming Company. Successfully set up business operations & product development centre. Hired product, marketing, engineering & QA teams. • Responsible for building a social entertainment games business for the mobile and web platforms focused at the India and south Asian market with ~ 1Bn potential users. • Represented the business in raising venture capital (seed & Series A rounds) for product development and operations. • Successfully set up business operations & product development center from scratch. Hired 35-member engineering & product marketing teams. • Developed core strategies to leverage mobile ecosystem for monetizing via advertising, strategic publication partnerships, e- payment wallets, paid virtual currencies and micro transactions. • Held full accountability of operating the Game development studio and associated processes. Successfully generated clear concept pitch, compelling storyboard and wire frames. Served as Creative Head for developing art direction, color palette, character art, and User interaction design & animation concepts. Significant Highlights: • Negotiated and won exclusive rights for developing Mobile and Web Social games based on the leading Bollywood movies. • Successfully set partnership with international game developers and publishers. Worked with OEMs such as Huawei, Nokia, Infosys, Microsoft and Google reaching over 3Mn users. • Established the testing & quality control process for the business. Generated test cases for manual and regression testing of new products and enhancements. Implemented a monthly sprint & daily scrum process to monitor development progress. • Successfully developed game monetization & micro transaction strategy for the business. Integrated virtual payment currency (Mango Gold) with Face Book credits, Net Banking and leading credit cards. Attained a positive ARPU rate.