One of India’s most respected voices in digital banking, Nitin Chugh serves as Managing Director and Group CEO of Perfios, where he leads the company’s next phase of global growth – harnessing AI across credit decisioning, fraud prevention, risk management, and collections to make financial infrastructure smarter, faster, and more inclusive. With nearly 33 years of distinguished BFSI leadership, Nitin has shaped the digital trajectory of some of India’s most prominent financial institutions. At State Bank of India, as Deputy Managing Director and Head of Digital Banking & Transformation, he advanced the YONO platform and embedded AI and analytics into credit and risk operations at one of the world’s largest lenders. He also served on the boards of SBI Card, SBI Payment Services, and ONDC. As MD & CEO of Ujjivan Small Finance Bank, he drove technology-led financial inclusion at scale. Earlier, at HDFC Bank, where he spent over 18 years, he rose to Group Head of Digital Banking and pioneered India’s mobile-first banking movement. Widely regarded as one of the most impactful thought leaders in AI and innovation in financial services, Nitin brings to Perfios an uncommon depth – the institutional rigour of a banker, the vision of a technologist, and a proven record of building systems that endure