Naina Punjwani

Senior IT & BFSI Transformation Leader with 17+ years of experience directing large-scale digital architecture, Agentic AI adoption, enterprise risk frameworks (ERM), and multi-crore program execution. Track record of scaling digital platforms to millions of active users, leading cross-functional engineering teams of up to 40 members, and modernizing legacy enterprise systems. Certified AI & Digital Business Leader adept at driving operational efficiency, reducing customer churn, and aligning technology delivery with business ROI.

Chief IT Manager at HDFC Life (2023-06 – 2026-02)

• Directed end-to-end technical architecture and product roadmap for the customer servicing portal, driving product backlog prioritization based on strategic ROI and business metrics.
• Spearheaded real-time API integrations for CIBIL/Experian credit verification and e-KYC into the digital mortgage portal, accelerating loan pre-approval turnaround time (TAT) by 35%.
• Architected Python-based microservices and API gateways
• Led delivery of customer-facing portals with integrated e-Sign, e-NACH, and digital document uploads, streamlining digital loan origination and customer onboarding.
• Managed a cross-functional engineering team of 35–40 developers across national deployments of Oracle Siebel CRM, IBM BPM/SOA, WhatsApp journeys, and LMS.
• Boosted operational efficiency by 20% through automated STP/NSTP claims processing, Annuity workflows, and policy alteration journeys.

Chief Manager at TATA AIG (2019-02 – 2023-05)

• Spearheaded cross-functional engineering teams to architect workflow-based solutions for Motor, Health, Commercial, Travel, and Marine insurance domains.
• Reduced operational expenditure by 20%–30% by introducing Automation Anywhere RPA bots for repetitive insurance claims and policy processing.
• Optimized project turnaround times (TAT) for refund applications using IBM BPM workflow automation while maintaining strict cost-efficiency controls.

Project Manager at Worldline Atos (2018-02 – 2019-01)

• Managed end-to-end delivery of payment processing products, including EMI and BQR integrations across web and POS merchant channels.
• Directed technical delivery across 8–10 banking client accounts simultaneously, optimizing merchant onboarding workflows and transaction settlements.

Project Manager at ICICI Prudential (2014-01 – 2018-02)

• Managed vendor selection, contract negotiations, and API integrations for credit assessment and document verification systems under Web Application Firewall (WAF) compliance rules.
• Led cross-functional team of 30 internal resources and 5 vendor partners, delivering digital applications for Life and Group policy issuance and driving 20% business growth.

Business Analyst at ETP International (2013-05 – 2014-01)

Business Analyst & Software Engineer at L&T Infotech (2010-01 – 2013-05)

Consultant & Software Engineer at Ingram Micro (2008-06 – 2010-01)

Post Graduate Program in AI – Indian Institute of Technology (IIT), Bombay (2026-02 – 2028-12)

Certification in Leadership in AI / Agentic AI – Indian Institute of Technology (IIT), Bombay (2026-02 – 2028-08)

Master of Computer Application (MCA) in Information Technology – Mumbai University (2006 – 2009)

Bachelor of Science (B.Sc.) in Information Technology – Mumbai University (2003 – 2006)