Core Banking & ERP Modernization
ERP Transformation Recovery | Shandz Company | 2025–2026
Rescued a delayed Odoo implementation by redesigning workflows, governance structures, and approval hierarchies.
Outcome: Delivered a structured enterprise platform with stronger controls and successful deployment.
Core Banking Modernization | Trade Bank of Iraq | 2008–2023 & Punjab National Bank | 2005-2007
Directed the implementation, upgrade, and strategic evaluation of core banking platforms including solutions from Infosys, Finastra, Oracle, and Temenos to improve scalability, resilience, and digital readiness.
Outcome: Built a future-ready technology foundation supporting institutional growth and operational efficiency.
Digital Banking Launch | Trade Bank of Iraq | 2020–2021
Led implementation of online and mobile banking channels to accelerate customer adoption and transaction migration to digital platforms.
Outcome: Improved customer access while reducing branch dependency and processing costs.
Digital Banking Launch | Trade Bank of Iraq | 2020–2021
Led implementation of online and mobile banking channels to accelerate customer adoption and transaction migration to digital platforms.
Outcome: Improved customer access while reducing branch dependency and processing costs.
Operational Excellence & Governance
Internal Control Architecture | Trade Bank of Iraq | 2007–2008
Established the Internal Control Department and implemented robust Nostro reconciliation and risk monitoring systems.
Outcome: Strengthened governance, improved compliance, and reduced operational vulnerabilities.
Finance Process Transformation | Shandz Company | 2025–2026
Redesigned finance workflows and implemented automation supported by a comprehensive group-wide Finance Manual.
Outcome: Increased reporting consistency, accountability, and control across business units.
Quality & Compliance Leadership | Punjab National Bank | 1994–2000
Led ISO 9000 initiatives and decentralized financial reporting processes across zonal and regional offices.
Outcome: Improved service quality and accelerated reporting cycles.
Strategic Growth & Market Expansion
Regional Payments Integration | Trade Bank of Iraq | 2020–2021
Led integration with the BUNA platform and national switching systems.
Outcome: Expanded cross-border payment capability and improved payment infrastructure reliability.
Saudi Market Entry Blueprint | Trade Bank of Iraq | 2021–2022
Designed the operational and functional framework for expansion into Saudi Arabia, collaborating with a local Saudi partner to establish the branch in full compliance with Saudi Central Bank (SAMA) regulations, including adherence to the SAMA Cybersecurity Framework.
Outcome: Created a market-ready expansion framework aligned with regulatory expectations.
Trade Finance Growth Leadership | Punjab National Bank | 1986–1993
Built a dominant trade finance franchise through strategic client acquisition and service innovation.
Outcome: Achieved approximately 80% local market share in trade services.
Emerging Technology & Innovation
Core Banking Platform Strategic Review | IBS Intelligence | 2026
Advised on the strategic review of Finastra’s Equation core banking platform, evaluating its future relevance and adoption potential within an increasingly digital banking landscape.
Outcome: Provided strategic insights on the platform’s long-term viability and identified the conditions under which legacy banks could successfully transition toward a modernized core banking ecosystem while preserving operational continuity.
AI Trade Finance Assessment | Tradystream | 2025
Evaluated an AI-driven trade finance platform to identify integration opportunities and scalability requirements.
Outcome: Defined pathways for commercial readiness and institutional adoption.
Digital Bank Advisory | Xaid | 2024–2025
Reviewed a digital bank feasibility model against regional banking realities and customer expectations.
Outcome: Delivered strategic recommendations to improve viability and execution.
Indrajit Roy Choudhury 