KBKasthuri Rangan Bhaskar
@krb1980
Banking and RegTech product leader driving AI-enabled risk and compliance solutions.
IndiaWhat I'm looking for
I am a seasoned banking and product leader with over 18 years of experience transitioning from banking into B2B FinTech/RegTech product leadership. I co-founded an intrapreneurial RegTech product practice at BCT Digital and led a zero-to-one growth story, building a portfolio of ~10 complex products.
My work has delivered tangible commercial results — ~USD 6M annual revenue, over USD 20M TCV, consistent gross margins of 30–40%, and a 75% win ratio — while navigating regulatory programs such as the RBI sandbox and partnerships like Temenos Exchange and Microsoft Azure Marketplace.
I lead multidisciplinary teams to apply AI for mission-critical problems (real-time fraud detection, loan monitoring overseeing $330B in assets, AI model risk and responsible AI frameworks) and have driven multi-country deployments, productized ML solutions, and ecosystem thought leadership across Asia, the Middle East, and the US.
Experience
Work history, roles, and key accomplishments
VP (Head) Products
BCT Digital
Jan 2018 - Present (7 years 10 months)
Led product strategy and teams of ~15 PMs/SMEs to build and scale ~10 FinTech/RegTech products, generating ~USD 6M annual revenue and $20M TCV while achieving 30–40% gross margins and multi-market deployments across 9 countries.
AVP, Product Practice
BCT Digital
Sep 2014 - Dec 2017 (3 years 3 months)
Cofounded BCT's intrapreneurial product team, conducted market research, launched prototypes/MVPs and supported IP acquisition to grow the BFS-focused product practice from seed to scale.
AVP, Analytics & Risk Management
Axis Bank
Jan 2011 - Sep 2014 (3 years 8 months)
Led analytics and risk functions across lending portfolios, implemented early warning systems and Basel II IRB Oracle Reveleus rollout, and delivered portfolio analytics, stress testing and model validation.
Risk Management Manager
Axis Bank
May 2007 - Jan 2011 (3 years 8 months)
Managed credit appraisal and risk activities for wholesale and retail portfolios, contributing to credit policies, ALM, liquidity risk and market risk processes across the bank.
Audit & Compliance
HDFC Bank
Sep 2004 - May 2005 (8 months)
Conducted end-to-end risk-based audits across wholesale/retail banking, treasury, credit cards and payments to strengthen governance and compliance controls.
Education
Degrees, certifications, and relevant coursework
IIIndian Institute of Management Indore
Master of Business Administration, Management
2005 - 2007
Completed a full-time MBA program with focus on management studies from 2005 to 2007.
TIThe Institute of Chartered Accountants of India
Chartered Accountant, Accounting
1997 - 2004
Qualified as a Chartered Accountant through the ICAI program completed in 2004.
AUAnnamalai University
Bachelor of Commerce, Commerce
1997 - 2000
Earned a Bachelor of Commerce degree from Annamalai University between 1997 and 2000.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Website
kasrangan.substack.comPortfolio
github.com/kasranganSocial media
Job categories
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