Ujjivan Small Finance Bank has appointed Pankaj Gupta as its Chief Digital Officer, in a strategic move aimed at sharpening its digital capabilities and fast-tracking its transformation roadmap. The appointment was disclosed through a regulatory filing in accordance with SEBI norms.
In his new role, Gupta will spearhead enterprise-wide digital transformation initiatives, with a clear mandate to build scalable, analytics-driven systems that strengthen operational efficiency and support sustainable growth. His focus areas include enhancing customer experience, driving digital innovation across banking platforms, and creating technology frameworks that reduce operational costs and mitigate risk.
Gupta brings more than three decades of experience spanning IT, cloud infrastructure, telecom, managed services, and large-scale digital transformation. Over the years, he has built a reputation for aligning technology strategy with business outcomes across diverse sectors.
Most recently, he served as Chief Digital and Marketing Officer at Karnataka Bank, where he led organisation-wide digital programmes and established Digital and Analytics Centres of Excellence. During his tenure, he focused on modernising digital banking capabilities and embedding data-led decision-making into core operations.
At Ujjivan, he is expected to introduce structured execution models such as CARE (Cost, Adoption, Risk, Experience) and PACE (Predict, Prioritise, Automate, Collaborate, Execute). These frameworks are designed to deliver measurable outcomes across digital banking, customer acquisition, and profitability, while ensuring technology investments translate into tangible business value.
Earlier in his career, Gupta held senior leadership roles at several prominent technology and services organisations, including Sify Technologies, HCL Services Ltd, Wipro Infotech, Acer India, and Godrej Pacific Technology. Across these assignments, he gained extensive experience in digital strategy, ecosystem partnerships, alliances, and infrastructure-led transformation initiatives.
With deep expertise across banking, IT services, and infrastructure businesses, Gupta’s appointment signals Ujjivan Small Finance Bank’s continued emphasis on technology-led growth. As the bank navigates an increasingly digital-first financial ecosystem, his leadership is expected to play a pivotal role in strengthening innovation, improving agility, and delivering enhanced value to customers.
