Ratan Kesh in

Ratan Kesh

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MD &CEO (Interim) at Bandhan Bank
📍 Mumbai, Maharashtra, India

Ratan Kesh is the Executive Director and COO of Bandhan Bank, an award-winning leader with nearly three decades of experience driving transformation at major institutions like Axis Bank, HDFC Bank, and YES Bank. A certified Quality Engineer educated at NIT Durgapur and NMIMS, he is recognized as a top tech leader in India.

Outside of his extensive banking career, Ratan has a keen interest in sports and entertainment. He enjoys watching highlights of soccer star Lionel Messi and is a fan of sports documentaries, having particularly liked the series "The Last Dance" about Michael Jordan. He has also played soccer himself.

He was among the first in the Indian banking industry to launch and implement a comprehensive Service CRM.

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Experience
19 Years
Current Role
MD &CEO (Interim)
Job Level
Leadership
Location
Mumbai, Maharashtra, India
Personality Overview

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Communication Style
Decision Approach
Work Preference

Behavioral traits and communication patterns that shape how this person evaluates opportunities, builds trust, and makes decisions in professional settings.

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Priorities

Topics Ratan cares about

AI in Banking
Speaks frequently on moving beyond AI pilots to enterprise-wide deployment for fraud detection, credit underwriting, and enhancing customer service.
Digital Financial Inclusion
Passionate about harmonizing technology with a human-centric approach to serve the unserved and underserved segments of society.
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Career

Work history

7-2024 - 10-2024
MD &CEO (Interim)
Bandhan Bank
3-2023
Executive Director and COO
Bandhan Bank
4-2020 - 5-2023
EVP and Head - Retail Operations and Service
Axis Bank
4-2019 - 4-2020
Head - Process Transformation and Customer Experience
Axis Bank
8-2018 - 4-2019
Group President and Chief Experience Officer and Head of Operations Risk Management
YES BANK
In the press

Media appearances

Bandhan Bank 2.0: Ratan Kesh, ED & COO, Bandhan Bank, outlines the digital roadmap to a universal institution. Featured in ET CIO
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Challenging to find the right tech talent with the right mindset and skills, but crucial for our growth: Ratan Kesh, Bandhan Bank. Featured in ET CIO
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Education
1989 - 1993
BE (Mechancal)
National Institute of Technology Durgapur
Post Graduate Diploma in Business Management
NMIMS University
Advanced Quality Engineering
JUSE, tokyo
Social presence
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Behavioral profile

DISC profile (public)

DISC behavioral profile

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