Chief Information Officer
Voluneri Vehicle Finance
Apr 2021 — Present
- Sector
- Regional non-deposit-taking vehicle finance
- Ownership
- Domestic investment-company control with minority founders
- Company scale
- ₹168 crore FY2025–26 income
- Employees
- 410
- Geography
- Mangaluru headquarters; 32 branches in Karnataka and Kerala
- Reporting to
- Chief Executive Officer
- Team
- Twenty-one technology colleagues through three leads
- Financial scope
- ₹12 crore operating expense and ₹4 crore capital expenditure approved for FY2026–27
Mandate
Connect enterprise technology, service continuity and business decision ownership.
Outcomes
- Reopened recovery acceptance after seventeen sampled tasks failed
- Completed a supplier exit with a verified historical-record package
- Delivered three owned reports before reconsidering platform replacement
Decisions in context
The CIO appointment widened my responsibility from operating services to choosing the technology work the enterprise should fund. I manage a defined team and expenditure envelope, while lending, accounting and compliance decisions remain with their respective leaders. The recovery, supplier-exit and reporting cases required me to explain why a technically plausible plan did not yet answer the business question. I brought alternatives and costs to management instead of asking for an unrestricted improvement programme. I also present significant technology matters to the board risk committee by invitation, without membership or director status. My current development priority is to strengthen service ownership below me so that a test or contract review does not depend on my personal memory of every system. The role is about a dependable decision process as well as individual technical interventions.
Reason for the move
Current role; considering a future enterprise-technology mandate with an agreed succession plan.
Head of technology operations
Voluneri Vehicle Finance
Apr 2015 — Mar 2021
- Sector
- Branch-based vehicle lending
- Ownership
- Founder-controlled until investment-company acquisition in 2019
- Company scale
- ₹71–132 crore annual income over tenure
- Employees
- 232–356
- Geography
- Twenty, later 28 branches in Karnataka and Kerala
- Reporting to
- Chief Information Officer
- Team
- Fourteen internal technology staff at departure
- Financial scope
- ₹6.8 crore annual service-operations budget at departure
Mandate
Make application dependencies and supplier responsibilities explicit across the branch network.
Outcomes
- Established business-owner reviews for eight critical services
- Tested sample exports before two contract renewals
- Introduced service handover records for changes affecting branches
Decisions in context
I inherited applications and contracts that had been added at different stages of the lender's growth. Each arrangement could look reasonable on its own while leaving an important dependency between providers unclear. I worked with business colleagues to identify the services that required historical documents, connected permissions or specialist support. The review did not lead to wholesale replacement. In some cases we extended an arrangement while improving extraction or training our internal team. I learnt to explain the cost of retaining a service as carefully as the cost of changing it. My budget covered technology operations, not the loan portfolio or branch expenditure. The appointment prepared me for the CIO role by requiring a recommendation across competing service needs, including choices where my team's preferred technical solution was not the most useful business response.
Reason for the move
Promoted to CIO after the previous leader's planned retirement.
Service-delivery manager
Voluneri Vehicle Finance
Apr 2009 — Mar 2015
- Sector
- Regional vehicle finance
- Ownership
- Privately held by founding shareholders
- Company scale
- ₹31–71 crore annual income over tenure
- Employees
- 136–232
- Geography
- Fourteen, later twenty branches
- Reporting to
- Head of Technology
- Team
- Eight technology colleagues and coordinated supplier teams
- Financial scope
- ₹2.7 crore approved annual service budget at departure
Mandate
Restore usable business services and coordinate supplier work beyond individual repairs.
Outcomes
- Introduced task-based reviews after significant service interruptions
- Documented responsibilities between application and infrastructure providers
- Reduced unowned repeat incidents from 29 to nine in a six-month review
Decisions in context
Managing service delivery meant that I could no longer treat my own technical contribution as the centre of an incident. I allocated work, coordinated providers and asked the business to demonstrate whether the task could resume. A supplier repair sometimes exposed another dependency, such as a missing document connection or a permission that had not followed a user change. We began recording those dependencies in the service review rather than closing the incident at the first successful restart. The approach also exposed incomplete instructions from our own team, so it could not be used simply to blame suppliers. I had delegated expenditure within an approved budget but did not negotiate every commercial term independently. The role taught me to make the boundary between a component repair and service recovery understandable to colleagues who did not need the technical detail.
Reason for the move
Promoted to lead technology operations as the service estate expanded.
Applications analyst, later senior analyst
Voluneri Vehicle Finance
Apr 2003 — Mar 2009
- Sector
- Loan administration for regional vehicle lending
- Ownership
- Founder-owned private company
- Company scale
- ₹14–31 crore annual income over tenure
- Employees
- 74–136
- Geography
- Mangaluru; ten, later fourteen branches
- Reporting to
- Applications Manager
- Team
- Individual specialist in a five-person internal team
- Financial scope
- Assigned change estimates; no independent project or credit approval budget
Mandate
Support loan-administration applications and document agreed business definitions.
Outcomes
- Recorded business ownership for recurring report definitions
- Prepared reviewed test examples for servicing changes
- Helped train branch users after two application releases
Decisions in context
Joining the lender brought me closer to the consequences of a system change. I analysed requests, reproduced problems and prepared implementation work for review. Finance and servicing colleagues sometimes used the same field for different purposes, so an apparently minor change could alter a report's meaning. I began recording the owner and intended use of a definition alongside the technical specification. My responsibility was to implement an agreed decision, not settle a lending or accounting judgement myself. Branch training also showed that a correct change could be poorly understood if the explanation focused on the screen rather than the task. The appointment developed my ability to ask a business question before proposing a technical answer. It also gave me a realistic view of the support effort required after a release had been declared complete.
Reason for the move
Promoted to service-delivery management after developing cross-functional support experience.
- Sector
- Regional business-application support
- Ownership
- Privately owned service firm
- Company scale
- ₹1.8–6.1 crore annual service revenue over tenure
- Employees
- 24–63
- Geography
- Mangaluru and nearby regional clients
- Reporting to
- Support Team Lead
- Team
- Individual contributor in a seven-person support group
- Financial scope
- No budget authority; assigned support and supervised development work
Mandate
Reproduce incidents, support reviewed fixes and confirm that user tasks could resume.
Outcomes
- Prepared repeatable incident examples for developers
- Documented attachment and status-field dependencies
- Helped induct two incoming support engineers
Decisions in context
I began after my computer-science degree with supervised support work for regional clients. My tasks involved reproducing incidents, checking records and helping test fixes before release. I learnt that a user might still be unable to finish the work even when the original error message had disappeared. Asking the person to demonstrate the task revealed dependencies that were absent from the initial incident description. I recorded those observations for the developer and did not make unreviewed changes to client data. Over time I helped two new engineers learn the support process and prepared clearer handover notes. The move into financial services came from wanting to understand one business more deeply, including the meaning of its records and the consequences of a change, rather than moving immediately from one repaired incident to the next.
Reason for the move
Joined a lending business to develop deeper ownership of applications and their operating context.
What I am looking for next
I am interested in a CIO mandate where management wants to connect technology expenditure with explicit service and decision responsibilities. A regional financial or business-services organisation could be a good fit if the role includes authority over suppliers, continuity planning and investment choices. I would want to understand the maturity of its business ownership and the skills already available before proposing a transformation programme. My experience does not establish specialist competence in every financial product or a large multinational technology estate. A move would require an agreed handover and development of the leads who currently rely on me for difficult service decisions. Separately, I would consider one initial board role where technology dependence is a material oversight question and the chair values practical challenge. I would not combine that role with selling implementation services or accessing confidential supplier opportunities. The first discussion should establish the contribution needed, the time required and the conflicts that might make the appointment unsuitable.