Swaminathan Krishnamoorthy
Head of Digital Banking and Strategy at ESAF Bank
Kerala, India
Joined February 2026
Summary
Leader in retail and digital banking with multi-decade experience across Indian banks, combining retail operations and digital product responsibilities. theorg+2
Focused on digital banking and third-party product management, holding a Head of Digital Banking role at ESAF Bank since 2019 and overseeing third-party partnerships and offerings. rocketreach+1
Active in technology transformation and strategy, serving as head of a tech-transformation core committee at ESAF (from 2022) and participating as a speaker/panelist at industry technology and BFSI events. theorg+2
Experienced industry contributor and mentor: engaged with startup/mentoring initiatives and industry panels (e.g., KSUM MIND programme and multiple Elets events). thehindu+2