Knowledge Associates

Karthikeyan Malayappan

CBAP, Lean Six Sigma Practitioner

Senior Banker

Digital Transformation Expert and Operations Strategist with experience of over 25 years


AQM Technologies P Ltd

Business Head
Intellect Design Arena

Director – Management Consulting
Oracle Financial services

Credit Head

IIM – Kozhikode


  • Quality Awareness Program, HSBC Ind
  • Three Shred Service Centre
  • Process Improvement & Automation for Trade and Credit Decisioning
  • Developed Credit Risk Models, Retail
  • BPR for over 35 Banks
  • Over $220Mio in savings
  • Operations Strategy for leading Banks across globe
  • Training on Six Sigma
  • Created Six Sigma Organization in over 10 Banks
  • Digital Lending Suite ( LOS/LMS/ Collections)
  • Re-engineering Lending Processes
  • Features like Risk Based Pricing, IFRS9, 10 second loan


  • IFRS9 Modelling

  • Business Process re-engineering

  • Digital Transformation Roadmap

  • RPA evangelist

    • Built a Team of RPA developers, BAs and Solution Designers
    • Successful automation in 5 Banks
    • Keynote speaker in Saudi 2030 event

Ramkumar Ranganathan

Veteran banker and IT management professional  with over three decades of experience across banking, Core banking systems, Enterprise Data Management systems, Technology security landscape, guiding on IT policy, procedures and regulatory guidelines

Spearhead Leaders

Head of Enterprise data management
Standard Charted Bank

Senior VP & BFSI vertical head
HCL Technologies

Senior Consultant
Polaris Software Labs

Oracle Financials

Corporarate bank
IDBI & IOB bank

MBA – Finance

Ramkumar headed the SME division for an entire state of a nationalized bank with branches spread across the state who sourced credit requests. Later he moved into Fintech focusing on several core banking applications, covering, solution design, development, testing, implementation etc.

He has worked across all geographies including North America, Middle East and Europe where he spent a year each in USA, UAE and Bulgaria implementing Core banking solutions including Islamic banking modules  for various banks. Later he headed the Banking Services vertical for the fourth largest IT services company with global presence. There he spearheaded a number of innovative concepts to help improve the bank’s margins by both technology and process interventions, large scale digitization and processing, managing large teams covering a wide business spectrum from liabilities, credit, trade finance, treasury, KYC, EDD and other operations for clients like Bank of Ireland (1mn+ customer), UK Post office (1.6mn customer £20Bn deposits, CBA and Westpac Australia, Deutsche Bank, USAA, Wells Fargo, BB&T and many more.

He also served as Head of Enterprise data management for Standard Chartered Bank covering 84 countries and built the big data and analytics programs.

Ravi Swaminathan

An experienced Retail banking and FinTech Leader with 25 years of experience, as Retail banking domain expert, involved in Business Consultancy, Presales, Product & Project management.

Spearhead Leaders

Head of Presales
Intellect Design Arena

Head of Business Solutions – Banking
HCL Technologies

Product Management Group
Polaris Software Lab

Programme Manager
Sundaram Infotech

Leasing Manager
Xerox Corporation

Chartered accountant

As a Chartered accountant, Ravi posses a unique blend of experience in Financial services operations and Financial technology. He has Global experience in managing Banking Financial Technology products, Product positioning, Client management, taking the banking domain to the market proactively especially in the emerging markets.

Ravi anchored business development and product management for the entire gamut of Retail systems, including Core banking, Lending & GL systems both from product & channel perspective. He conceptualized stream of  Retail & SME products from design to development, launched the market strategy programs in the third world countries.  He worked in a multi-cultural and multi-tiered environments across the globe. His association in transformation projects include NBAD, AIG, Ahli bank, Citi Bank, GE capital, BMW Finance and Sundaram Finance.

Ravi worked in many technological transformation projects in Core banking & Lending systems. He played the key role as business consultant in Legacy modernization support in digital makeover process and provided cost benefit point solutions to banks by understanding their IT eco systems. His support in Channel management includes logos like Axis bank & HDFC bank.