Padmanabhan P N

I'm a technology strategist and fractional CTO with over three decades of experience transforming IT landscapes across the NBFC and banking sectors in India and the Middle East. My passion lies in aligning tech with business strategy—whether it's implementing secure cloud architectures, navigating complex regulatory frameworks, or leading AI-enabled credit evaluation systems.

As a trusted advisor to Boards and CXOs, I specialize in building resilient digital ecosystems that drive growth, ensure compliance, and unlock operational efficiency. My leadership spans greenfield deployments, UAT design, risk frameworks, and full-stack IT modernization.

Currently serving as Virtual CTO for multiple NBFCs, I collaborate closely with founders and leadership teams to bring scalable, cost-effective innovation to life. From cybersecurity governance to datacenter strategy, I deliver clarity in complexity—with a bias for execution.

Let’s connect if you’re looking to: ✅ Navigate digital transformation in finance
✅ Align IT roadmaps with business KPIs
✅ Build AI-first decisioning frameworks
✅ Future-proof your organization's tech stack

My expertise spans greenfield deployments, data management, cloud computing, cybersecurity, and IT governance. I have a proven track record of optimizing IT infrastructure, managing budgets effectively, and ensuring regulatory compliance within NBFC and banking environments. Leading cross-functional teams, I have fostered innovation and implemented secure, scalable solutions that align with evolving industry standards.

Throughout my career, I have championed digital transformation efforts that enhance security, operational efficiency, and customer experience. My leadership in AI-driven credit underwriting models and secure cloud migration strategies has empowered financial institutions to scale while maintaining compliance. I excel in aligning technology initiatives with business objectives, ensuring seamless adoption and measurable impact.

I welcome the opportunity to bring strategic leadership and technical excellence to your organization. I would appreciate the chance to discuss how my skills can support your objectives. Thank you for your time—I look forward to connecting.

EDUCATION & CERTIFICATIONS

• PG Diploma in Computer Applications, Systems International, Tamil Nadu – 1992
• B.Com., University of Calicut – 1990
• Certification in UNIX, C, Oracle – Tata Unisys Ltd., Mumbai – 1993
• Additional Courses in AI, Cybersecurity, and Cloud Management (Details on request)

TECH STACK & TOOLS

• Platforms: IBM AS/400, Azure, VMware ESX
• Applications: Moody’s RA, SWIFT, AML, BI, Eximbills, SafeWatch, MS SQL
• Tools: Symantec Backup, Dell Storage, Digital Marketing Tools
• Languages: English, Hindi, Malayalam