Rahul Joshi
Lead Consultant & Strateigic Adviser - Banking Technologies
Mr. Rahul Joshi has over 25 years of experience in Retail Banking, of which over a decade was invested in building all things Digital. He is a Strategic Adviser on Banking Technologies, Digital Banking, Electronic Payments & Digital Commerce to New Age Payment /Small Finance Banks, Fintech Companies, NBFCs and other large Consulting Firms. He also on the Board of several early stage Fintech Startups in the areas of Payments, Mobility, Business Intelligence, Robo Advisory etc. He works as a Turnkey Project Consultant or as an Adviser on long term Key Strategic Projects in the Digital Banking, Electronic Payments & Digital Commerce space.
Rahul Joshi actively participated with NPCI in designing high level architecture for both IMPS and UPI. He was a member of the Technical Committee formed by RBI to examine options for expansion of mobile banking in India. He also participated in working groups formed by RBI to look into various aspects of mobile payments. Formed alliances with several MNOs for launch of various “mobile money” services on behalf of ICICI Bank. Launched the first mobile banking application in the country. Introduced the widest suite of mobile banking options such as Client Apps, USSD, SMS, IVR, responsive site etc.; Incorporated several VAS on ATMs such as opening of FD, Bill Pay, Fund transfer, Payment for Insurance, Cards, Loans, mobile recharge etc. for the first time in the country ; was responsible for getting ISO 27001 certification for Digital Channels which included Internet & Mobile Banking and ATM for ICICI Bank; Pioneered to convert net banking from a cost center to a profit center; Launched Money Manager, a personal financial manager. Launched the first direct banking channel b2 in India.
Mr. Joshi has worked for ICICI Bank, Reserve Bank of India (RBI), Meghraj Financial Services (I) Ltd., Cholamandalam Investment & Finance Company Ltd., Murugappa Group Company and Gujarat Lease Financing Ltd. in various senior level position
He completed MBA in finance from University of Pune and and completed B.Sc. Electronics from Fergusson College.