Ratan Kumar Kesh

Ratan Kumar Kesh
Ratan Kumar Kesh
Managing Director & Chief Executive Officer (Interim)

Mr. Kesh has around three decades of experience across industries in leadership roles in multiple domains – Operations, Technology, Transaction Banking, Product, Affluent Banking, Operations Risk, Enterprise Governance, Intelligent Automation, Digital, Cx and Organisation Transformation. He was recognized among the 50 most talented Quality Professionals in India by the World Quality Congress. He was also recognized as one of India’s top 25 Emerging Tech Leaders by BIOCON Network in collaboration with MeitY. 

At Bandhan Bank, he has been the Executive Director & Chief Operating Officer since March 31, 2023. He is leading multiple functions including Technology, Operations, Customer Experience, Transformation, Internal Audit, Recovery, and other support functions. Mr. Kesh successfully led the IT transformation at the Bank and has been playing an instrumental role in optimizing the processes, controls, customer services, business excellence, etc., at the Bank.

He was part of the core team to lead organisation transformation with technology, digital, governance, quality and customer focus during his tenures at ICICI Bank, HDFC Bank, Yes Bank and Axis Bank. He was among the first few in the Indian Banking Industry to launch full-fledged Service Quality Framework and Service CRM while in HDFC Bank. To his credit, he transformed the Axis Bank’s operations by imbibing technology, digital and AI. 

He is a B.E (Mechanical Engineering) from NIT, Durgapur and MBA from NMIMS. He is also certified Quality Engineer from Quality Council of Indiana, USA and has completed advance leadership course from IIM-A and Strategic Agility from Harvard.