Niro Nirmalan in

Niro Nirmalan

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Senior Director - Head of Digital Transformation (AI & Experience) at NatWest Group
📍 United Kingdom

Niro is a senior leader at NatWest Group, driving customer-centric digital and AI transformation. He focuses on converting strategy into tangible growth and efficiency, building on his experience in retail banking and fintech. People who have worked with him describe him as talented, smart, and digitally savvy.

Outside of his core role, Niro shows a keen interest in the practical application of emerging technologies, such as testing new smart assistants like Alexa+. He is also a passionate advocate for diversity and inclusion, actively co-sponsoring a reciprocal mentoring program at his company to foster different perspectives.

His team recently launched a mortgage and home buying guidance app directly inside ChatGPT, making NatWest the first UK bank to do so.

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Experience
25 Years
Current Role
Senior Director - Head of Digital Transformation (AI & Experience)
Job Level
Senior
Location
United Kingdom
Personality Overview

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Decision Approach
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Priorities

Topics Niro cares about

AI in Banking
He is leading AI-led change and recently launched a bank guidance app within ChatGPT, demonstrating a focus on practical AI application in finance.
Customer Experience
A consistent theme in his career is repositioning customer experience from a service function into a primary engine for commercial growth and loyalty.
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Career

Work history

11-2020
Senior Director - Head of Digital Transformation (AI & Experience)
NatWest Group
5-2019 - 11-2020
Chief Product Owner - Digital Banking Platform
NatWest Group
1-2017 - 4-2019
Lead Product Owner - Mobile Apps
NatWest Group
1-2016 - 1-2017
Digital Propositions Lead (Open Banking)
NatWest Group
1-2014 - 1-2016
Global Head of Digital
WorldFirst
In the press

Media appearances

Niro Nirmalan - Senior Director - Head Of Digital Transformation at NatWest Group | The Org. Featured in The Org
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Education
11-2025 - 1-2026
Executive Programme
University of Edinburgh Business School
5-2023 - 11-2023
Executive Programme
IMD
Social presence
in
Behavioral profile

DISC profile (public)

DISC behavioral profile

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