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Bhushan Chougule

@bhushanchougule

CIO and Head of Technology at Security Bank Corporation, delivering its AFASA compliance programme and scaling digital banking in frontier markets.

India

Message

What I'm looking for

I’m seeking a CIO, Head of Technology, or Head of Digital role where I can use my frontier-market expertise to drive measurable business growth.

At Security Bank Corporation, I’m the primary technology delivery owner for the AFASA regulatory compliance programme, coordinating delivery across support teams, vendors, architects, and business units. I also maintain operational stability for the EFS platform supporting Collections, with zero critical incidents.

At Kina Bank, I led a core banking upgrade affecting 300,000+ customer accounts and launched a mobile banking app that grew to 50,000+ active users within 12 months. Across banking technology roles in six countries, I’ve worked on digital channels, risk platforms, ATM deployments, and core banking modernisation in frontier markets.

Experience

Work history, roles, and key accomplishments

Current

SAVP – Service Delivery Lead, Risk Technology

Current

Security Bank Corporation

Sep 2025 - Present (1 year 1 month)

Responsible for delivery and operational stability of enterprise Risk Technology platforms, reporting to the CTO. Leads AFASA implementation and manages vendor relationships with FICO and IBM.

Falcon OpenPages Winnow Optimistic EFS AFASA Vendor Management Risk Technology Compliance Service Delivery

Senior Banking Technology Consultant

Profinch Solutions DMCC

Sep 2024 - May 2025 (8 months)

Sole technology advisor to Apex Bank executive management on core banking modernisation and digital transformation. Designed solution architecture for multi-product digital banking rollout.

Core Banking Digital Transformation Solutions Architect Vendor Selection ICT Strategy Regulatory Compliance

Head – ICT Applications

Kina Bank

Aug 2019 - Aug 2024 (5 years)

Led ICT application strategy, delivery, and operations for a leading commercial bank, overseeing a team of 12 through a 5-year digital transformation. Delivered core banking upgrade and launched mobile banking to 50,000+ users.

Core Banking Digital Banking Mobile Banking ITIL Vendor Management Team Leadership RFP Contract Negotiation

Head – Alternate Delivery Channels

Azizi Bank

Sep 2016 - Mar 2019 (2 years 6 months)

Built and led the Alternate Delivery Channels function in a high-risk environment. Grew mobile banking users by 60% and improved ATM uptime from 88% to 96%.

Mobile Banking ATM Networks Vendor Management KPI Frameworks Compliance Digital Channels

Banking Technology Support Engineer

Computer Point Ltd

Oct 2015 - Aug 2016 (10 months)

Delivered L1–L3 support for multiple Ugandan bank clients and integrated Diebold ATMs with banking switches. Deployed biometric verification systems across 35+ branches.

ATM Integrations Diebold Cashlink AVANZA Opus Postilion Biometric Systems L1–L3 Support Team Mentoring

Presales Tech-Lead – BFSI

NEC India Pvt Ltd

May 2014 - Apr 2015 (11 months)

Led BFSI pre-sales for biometric and security solutions, managing RFI/RFP responses and solution design. Implemented fingerprint and facial recognition systems for three banking institutions.

Pre Sales Biometrics Facial Recognition Fingerprint System KYC RFP RFI Solution Design

Technical Consultant – ATM Platforms

NCR Corporation India Pvt Ltd

Apr 2013 - May 2014 (1 year 1 month)

Managed migration of 1,500+ ATMs from legacy host systems to NCR Gasper Vantage centralised ATM management platform with zero data loss.

ATM Migration NCR Gasper Vantage ATM Management Legacy Systems Project Management

Team Leader – ATM Switching

IDBI Intech Ltd

Feb 2012 - Apr 2013 (1 year 2 months)

Led a team of 10 engineers overseeing deployment and switch integration of 3,000+ ATMs for a financial inclusion programme. Spearheaded AEPS testing and implementation.

ATM Switch Technology AEPS biometric authentication Team Leadership Financial Inclusion

Team Leader – ATM Field Operations

Vortex Engineering Pvt Ltd

Aug 2009 - Feb 2012 (2 years 6 months)

Led a 5-person field engineering team maintaining ATM uptime above SLA thresholds. Performed Linux OS installation and configuration on ATMs and integrated with core banking via Olive switch.

ATM Operations Linux Olive Switch Core Banking Integration Team Leadership SLA Management