Dheeraj Ahluwalia

Dheeraj Ahluwalia

Managing Director at Mintrium

Startupbootcamp FinTech London Mentor

With 25 years of experience in the Banking, Payments and Insurance, DJ started his career in Product Development and Marketing in 1990 and Digital banking in 1998 with GE Capital as their Marketing Director for North America. Over the years he has launched Digital banking, Digital Sales and Marketing across three continents and four different banks bringing experience of global banking best practices in Digital and Alternate Channel delivery. Over the years, DJ has headed Marketing, Product, Service Quality and Re-engineering for Bank of America, Standard Chartered and MasterCard in roles having regional and global responsibilities. His international work experience includes North America, China, Latin America, Asia Pac and EMEA. He has led global business development for payments and insurance products across multiple markets and understands “how to ring up the cash register and get deals done”.
Launched Digital Customer Acquisition and onboarding platform for major consumer bank across segments and lending products (Cards, PL, Mortgages, deposits), Re-engineered back office for straight through processing. lowered cost of acquisition, lowered cost of back office operations and support. Real real time “Approval in Principle” engine with single integrated view of the entire onboarding system.
 Intensive payments product development experience across Debit, Credit, prepaid and Virtual cards with various technologies (ex: Contactless), loyalty platforms & E2E payment eco systems.
 Designed and launched innovative customer centric value propositions using digital technology as a key differentiator. Delivered engaging microsites (across Consumer and Corporate Segments, SME, wealth, cards, deposits, Banca) to drive Acquisition, Cross Sell and customer servicing platforms redefining customer experience across the Consumer and Corporate banking segments.
 Built robust SEM (Search Engine Marketing) capability to enhance customer acquisition, leads and “Brand Salience”. Optimized SEM, negotiating performance based payout structures with media agencies.
 Developed and implemented full digital bank capability powered with a comprehensive analytics (as part of network optimization). This consisted of exclusive products and propositions (solely available through digital), servicing and sales capabilities, delivered E2E Banking through digital.
 Led Branch Optimization. Refurbished key branches to “branch of the future” using technology to deliver lifestyle based value propositions such as video banking with RM’s, touch screen sales and service offerings in a retail setting.
 Re-engineered turnaround times and quality of back office support for all core service requests and complaints. Powerful customer experience for digital banking customers delivered through quantified service guarantees in addition to differentiated pricing, features and functionalities exclusively available through digital banking.
 Delivered E2E digital leads and sales management platform with a comprehensive framework of customer leads and triggers for RM managed clients to optimize contact strategy, Portfolio management and Acquisition. Increased Sales productivity.
 Launched a new Mobile banking platform twice (Monitise in Standard Chartered).  
Launched a new bank-wide portal, optimizing SEO (Search Engine Optimization) and lead generation from organic efforts for consumer and corporate bank. Launched Google “Always on” and innovative online sourcing with aggregators and partners.
 Expanded payment gateway aggregator network and online web merchant coverage.
 Launched global remittance platform with partner tie ups for Non Resident banking increasing remittance fee income.
 Developed Social Media strategy across 3 banks with an award winning social media site.
 Developed a holistic ATM deployment strategy and payroll banking for corporates and SME’s. Launched Express Banking ATM’s with X-sell capability and new servicing capabilities optimizing footprint coverage, increasing ATM revenue.
 Installed Decile based analytics driven customer servicing protocol for inbound calls to call center and for our retention teams. Increased retention and Cross Sell income for Consumer Bank P/L. Set up a Virtual Relationship management unit for emerging affluent segment.