Group President and Head – Consumer Bank,
Virat Diwanji,
over the last two and a half decades. Virat is part of the Bank’s Group Management Council that
drives and oversees the Kotak Mahindra Group’s growth charter.
is with the Kotak Mahindra Group for
In his long innings at Kotak, Virat has led over 10 diverse business lines cutting across Assets and
Liabilities and has been instrumental in metamorphosing many business divisions into success
stories at Kotak. He took on the mantle of managing the branch banking business in November 2007
with the primary responsibility of establishing bank branches as a point of product distribution,
transaction processing and differentiated customer experience.
Some of his career milestones include managing the first JV of the Group with an overseas partner,
Ford Credit as its Managing Director and incubating & growing two niche customer segments of the
consumer banking business viz. Priority & NRI Banking. In the recent past, Virat has successfully
managed the integration of ING Vysya Bank’s retail distribution network with the branch banking
network of Kotak, a melange of not only business but culture, talent and a unified vision.
Virat firmly believes in the mantra of 3P X 2P, i.e. driving Profitability, Productivity and Performance
through an active interplay of People (Talent/Teamwork) and Processes (Control/Compliance/
Customer).
Virat is passionate about mentoring budding talent and has groomed several business leaders at all
levels.
He began his career with the management consultancy division of A. F. Ferguson & Company in
1988. He joined Kotak in 1994.
Virat takes a keen interest in cricket and has played the Cooch Behar Trophy (Under-19), the C K
Nayudu Trophy (Under-21) and the Rohinton Baria Trophy (Inter-University).
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