Joshua Ratilal

Joshua Ratilal is an experienced professional in data management, risk, and consulting, currently serving as the Head of Customer Analytics and UNITE Data Delivery for the Consumer Division at Westpac since October 2020, where Joshua leads the UNITE data delivery program and drives customer data and analytics strategy. Prior roles at Westpac include Head of Data Management and Governance and Head of Data Management, focusing on data governance and management strategies. Joshua also has a background in academia as an MBA Teaching Fellow at The University of Sydney Business School and held leadership positions at Monzo Bank, MEETIG8, PwC Australia, and Macquarie Bank, providing expertise in risk management and compliance. Joshua holds multiple degrees from the University of Sydney, including an MBA and a Juris Doctor.