Where technology meets transformation
24+ years of enterprise transformation across Citi, Standard Chartered, Accenture, and Jio Financial Services — governing $3T+ in annual settlement flows. I build automation tools with Python, consult on fintech delivery, teach engineering leadership — and guide those who seek clarity beyond the code.
I am Raja Thilagar R (Raj) — Head of Technology for Data & Analytics and Head of Delivery & Engineering with 24+ years driving large-scale enterprise transformation across banking, shared services, and data platforms.
Currently leading enterprise data and platform transformation for Jio Financial Services across 7 legal entities — delivering a cloud-native, regulator-compliant data platform on AWS (Glue, Iceberg, Athena) enabling analytics, AI, and operational scale.
My career has been defined by continuous Citi trust across four employer transitions — Infosys, L&T, Hexaware, and Maverick — across USA, UK, and India over 16 years. I have governed Basel 2.5/3 platforms across 150+ Citi entities, owned KYC, AML, RWA, LGD, and Fed CC reporting platforms end-to-end, and managed P&L portfolios growing from $4M to $15M across six employers.
Beyond enterprise delivery, I build Python automation tools — bots, scrapers, and AI-powered agents — and walk a spiritual path I share with those who feel the pull toward something deeper. Technology and consciousness are not opposites. Both are tools for liberation.
Based in Pune, India. Eight years onsite across Warren NJ, Jersey City, New York, Tampa, Dallas, and London. Available globally for remote consulting, fractional CTO engagements, and speaking.
In 18 years of banking technology delivery, 90% of escalations labelled platform issues were actually business rule failures. Rules in someone's memory, exceptions never documented, workarounds that became design. Here is the structured fix.
"The most powerful technology
I have ever encountered is
a quiet mind."
Twenty-four years in high-pressure banking leaves marks — and gifts. I have sat with both. Now I offer guidance to executives, engineers, and driven professionals who sense there is more.
Everything below is something I personally use or have vetted. Affiliate links marked with * help support this site at no extra cost to you.
Whether you need a fractional CTO, a CBS migration advisor, custom automation tools, or just want to discuss a banking technology challenge — I respond personally to every message.
Based in Pune, India (IST UTC+5:30).
I respond to all messages within 24 hours.
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