Ravi Kumar

Critic
DISC Type : C

EVP, Chief Digital Officer (CDO) at First Citizens Bank

Los Angeles Metropolitan Area, United States

Overview

As EVP and Chief Digital Officer at First Citizens Bank, Ravi Kumar leverages over 25 years of experience to lead digital strategy across all banking segments. His expertise spans AI/ML, UX/UI, and product development. He holds an MBA and has studied leadership at UC Berkeleys Haas School of Business.

He was recently honored in the "Banking and Finance Visionaries" list for 2025 by the Los Angeles Times.

Personality Overview

Information Seeker

Objective Thinker

Precise

They prefer to do logical analysis and value evidence over emotions.  They don’t appreciate bells and whistles unless backed by data. They enjoy working alone and do not rely on others very often.

Topics They Care About

Digital Transformation
A frequent speaker on this topic, he leads digital initiatives and enhances customer experiences across various business segments at a top 15 US bank.
AI in Banking
He is proficient in using advanced analytics and AI/ML technologies to pioneer innovative solutions and deliver cutting-edge digital banking experiences.
Customer-Centric Design
His teams have received awards for customer-centric products, reflecting his focus on innovation, design thinking, and a customer-first approach.

Media Appearances

Ravi has no verified media appearances

Work History

11-2024
EVP, Chief Digital Officer (CDO) at First Citizens Bank
8-2015
Head of CIT Direct Bank, Digital Banking, Digital Marketing, Products, Analytics at CIT Bank
5-2020
Board Member at California Bankers Association
8-2005 - 8-2015
Executive Nationwide Bank at Nationwide
8-2015
Adjunct Faculty for MBA at Ohio Dominican University

Education

Leadership and Communications from University of California, Berkeley, Haas School of Business
MBA from Otterbein University

More Information

Social Presence :

Prographics :

Exp : 20 Location : Los Angeles Metropolitan Area, United States Job Level : Leadership Designation : EVP, Chief Digital Officer (CDO) at First Citizens Bank
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Insights For Selling To Ravi

During A Call Or A Meeting

DO's

  • Be ready to answer many clarity-seeking questions and requests for information
  • Be formal and objective, they will appreciate it more
  • Keep some extra margin while sharing pricing, they are likely to negotiate later

DONT's

  • Don't give superficial answers, they are easily rattled by them
  • Do not use very emotional or colorful language
  • Avoid phrases like ‘trust me’, ‘others just love’ etc.

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Ravi is

  • Strong evidence of ROI, effective pricing, and proven data points matter the most to them.
  • Will you ever get a clear answer from Ravi

  • It is not very hard for them to say no if they are not convinced about the decision.

Insights For Deal Planning

    How fast (or slow) will Ravi move?

  • They are neither the fastest nor the slowest decision makers, they are somewhere in the middle.
  • Can Ravi take some risk or not?

  • They can bear some risk if their analysis backs the decision.

You And Ravi

Personality Compatibility


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