Hello, my name is
Lijo Joseph
Digital ] Conversation AI ] Messaging ] Contact Center ] ATMs
- Lijo6377@gmail.com
- 65-81816954
- Lijo Joseph
About me
A seasoned digital banking professional with over 23 years of experience in Digital, Conversational AI, Contact Centers and ATM channel.
Elevate client experience by driving digital adoption and engagement, powered by conversational AI and modern messaging channels
I possess exceptional cognitive skills and strong leadership abilities that enable me to successfully build and motivate teams to exceed expectations. My primary strengths include versatility, adaptability, a keen understanding of the broader context, proficiency in crafting cross-functional strategies, fostering digital innovation, and resolutely driving project execution.
I have a technofunctional mindset, expertise in channel and product management, and a proven track record of delivering projects using Agile methodologies while maintaining a customer-centric approach. I possess the ability to envision the end-to-end client journey and have transferable skills that enable me to adapt to various roles and industries.
My Role
I am responsible for developing and implementing strategies for digital and messaging channels to unlock the full potential of clients. By focusing on client-centric practices, I consistently work to enhance client experience, boost engagement, encourage collaboration across channels for cost efficiency, and drive revenue through cross-selling.
DIGITAL banking for private banking clients
Accelerate digital adoption and usage among private banking clients by introducing features catering to affluent client needs.
Conversational AI - chatbot
Provide instant 24/7 support for clients in their digital journey, ensuring end-to-end fulfillment of their servicing and sales needs.
live chat - Hybrid advisory and sales
Enhancing client experience with live chat support, amplifying client collaboration and communication to drive hybrid sales and service.
My Experience
2016-TILL DATE
Standard Chartered – Singapore
Director - group digital banking
As Hive Lead for Conversational Engagement and Private Banking, my current role includes strategizing, developing, and delivering solutions across markets for AI Chatbot, Live Chat, client-relationship manager collaboration tools, and the Private Bank digital channel. Key objectives include enhancing digital engagement, reducing service costs through migration to modern messaging channels, and boosting hybrid sales among affluent clients
2008-2016
Standard Chartered – India
head - digital banking
As the Regional Head Digital, I managed digital channels across India, Nepal, Sri Lanka, and Bangladesh markets. Previously, I oversaw all direct banking channels including Online Banking, Mobile Banking, and ATMs specifically for the India market. I am proud to have significantly increased the number of active digital clients during my tenure and achieved first place in a global channel migration contest
2004-2008
Citibank – India
Product manager - atm and kiosk
I was a part of an amazing team and worked together with them to double ATM network in a short span of 18 months and deployment of revamped Touch screen kiosks for client servicing.
2000-2004
IDBI Bank- India
manager - atm and card products
I was a core team member responsible for managing direct banking channels. Key achievements included outsourcing ATM services, and launching prepaid gift cards and debit cards.