Dolphy Jose

In a career spanning more than 25 years Dolphy's been an integral part of BFSI. His portfolio includes driving & establishing businesses in the retail Banking space of large MNC and New Generation Private Sector Banks (Standard Chartered Bank, Kotak Mahindra Bank & Karur Vysya Bank). He believes in ”Dissent is the Voice of Progress” and is an ardent believer of human Capital as the most precious asset of an organization. His key strengths include passionate people skills along with a strategic mindset and entrepreneurial approach teamed with an analytical bent of mind which have been instrumental in making him a part of successful business stories such as Chartered Solutions(SCB),K-Direct(KMB),KVB NEO, Car Finance(SCB),setting up Large & Small ticket Personal and Business Loans(KMB), WC, LAP and Commercial mortgage (KMB), setting up and scaling the institutional business of TASC and GB taking the book size to 5X in a span of 4 yrs(KMB). He has a successful track record of entering new markets/business and turning them around by placing them on a growth trajectory. He is an advocate for digital and makes a significant contribution to organisation’s digital initiatives and the cultural change with relevance to the existing technology and systems. He brings an operational lens to discussions and decision for “going digital” particularly in the digital business acquisition,underwriting and loan disbursement. He has taken collaborative and synergetic digital initiatives with fintechs, NBFCs and other co-lending partnerships. He had a long stint of almost two decades with Kotak Mahindra Bank Ltd. and his last held position was Executive Vice President - Institutional business-GIB Dolphy Joined Karur Vysya Bank ltd.as GM&CBO – KVB NEO based at Mumbai and focused on building the key pillars of People, Process and Technology with a high-energy team of proven talent from the industry, with an intent to augment the bank’s acquisition & underwriting capabilities to build a high quality Asset book, mobilize and grow the liability franchise of the bank. The model is an inspiration from “Bank-in-a-Bank” concept to establish new channels by integrating with bank's fintechs and other channel partners for ”Phygital” acquisition, underwriting and disbursements. In April 2022 he took charge as CGM & Group Head Consumer Banking Dept - Branch Banking, Retail Liabilities, Retail Assets, Credit Cards, RGL, TPP and KVB NEO. Dolphy is an MBA from ITM Mumbai and has also completed executive programs from IIMA & ISB focusing on leadership, strategy and planning.