Senior advisor for emerging markets’ retail and commercial banking business, Gururajan has in depth operational and management experience in the retail banking space with a career spanning across India (State Bank of India), UAE (he was driving the integration of Retail banks of two entities viz. National Bank of Dubai & Emirates Bank International in its elements like Structure, People, Processes, Systems, Products & Strategy). He was also heading the Integration Project of take over & merger of BNP Paribas Egypt with Emirates NBD Bank. He has rich hands in introducing & implementing digital channelling and digital transformation strategies and extensive experience in working with some leading consultancy firms like McKinsey, BCMG Booze Allan, E&Y to name few.