Pankaj Sharma is the Chief Operations Officer at RBL Bank and brings over 20 years of experience in the banking and financial services industry. In his current role, he supervises the Operations and Corporate Services functions. He will be responsible for driving efficiencies and scale to support business growth and enable the bank to differentiate itself in the market with process and technology investments. Prior to joining RBL Bank, Pankaj was with Axis Bank where he spent around nine years in several functions. He was last heading their Retail Operations while running Process quality, Change management and Lean Six Sigma initiatives bank wide. He was also responsible for ATM Channel, Phone Banking and Branch Automation & Digital Initiatives. Pankaj brings rich experience of leading large scale distributed service footprint, centralized back-office transaction delivery, organization wide business transformation programs and driving process efficiency through robotics, machine learning & artificial intelligence. He is expert speaker in national and international forums on subjects related to Business Transformation, Operational Excellence and Artificial Intelligence. Prior to Axis Bank, he has worked with GE Countrywide, ICICI Bank and ICICI Prudential Life Insurance. Pankaj is a Certified Master Black Belt and holds Bachelor's degree in Business Studies from University of Delhi and has done his MBA from Symbiosis, Pune.