Ravikiran M A

Ravikiran M A

Digital Banking · Innovation · Venture Advisory
Dubai, United Arab Emirates
  LinkedIn

At a glance

25+Years
Internet Work
12+Years
Digital Banking
6+Years
Innovation
2+Years
Entrepreneurship

Executive proposition

Digital, innovative and green. From strategy to turn-key execution.

An angel investor and mentor and Venture Partner across SaaS, IoT, Waste Management and Consumer Retail. Brings more than 25 years of internet-related work experience, including 12+ years in digital banking, 6+ years in innovation and 2+ years in entrepreneurship, with a track record in digitalisation, venture building and new product development.

Leadership platform

Digital Banking

Digital channels · mobile banking · eCommerce · payments · customer experience

Innovation

Design thinking · human-centred design · innovation management · disruptive concepts

Venture Building

Start-up ecosystems · product ideas · implementation · investor and mentor perspective

AI & IoT

AI use cases · IoT · voice interfaces · voice biometrics · emerging technology

Market Expansion

GCC market access · partnerships · talent access · go-to-market

Green Tech

Waste-to-energy · used-oil recycling · rubber-tyre recycling

Leadership experience

  • Digital banking leadership: Head - Digital Banking and Innovation at Union National Bank, UAE.
  • Innovation leadership: Head - Consumer Banking Innovation and earlier VP and Head - Innovation, Consumer Banking at Abu Dhabi Commercial Bank.
  • eCommerce leadership: Deputy Head - DBank / eCommerce at Doha Bank, responsible for eChannels and internet-based projects.
  • Entrepreneurial leadership: Founded an internet consulting firm and partnered in ventures across ERP services, adventure sports and knowledge sharing.
  • Venture and advisory work: Current and recent roles include investor, advisor, director, partner and technology & innovation conduit assignments.

Career architecture

2024 – PresentConfidential Government Research Centres · Technology & Innovation ConduitTechnology and innovation conduit
2024 – Present98 Fahren Inc · Angel Investor and DirectorVenture and investment
2023 – PresentKidbea® · Private InvestorInvestment
2018 – PresentiBlades · AdvisorUser interface · Go-to-Market · Talent Access · Market Access · Fund Access
2014 – PresentPert · Angel Investor and DirectorInvestment and venture
2022 – 2026ecobpo Services LLP · PartnerGrowth, data analytics, AI and regional expansion
2017 – 2020Union National Bank / Abu Dhabi Commercial BankDigital Banking and Innovation leadership
2003 – 2008Doha Bank · Dy Head - DBank (eCommerce)eChannels and internet-based projects

Board & enterprise advisory lens

Digital transformation

Experience moving traditional banking and customer journeys toward digital channels, mobile and eCommerce.

Innovation governance

Innovation platforms, design thinking, Agile/Scrum and structured exploration of emerging technologies.

Venture perspective

Investor, mentor, entrepreneur and advisor experience across technology-led ventures.

GCC market perspective

Experience across UAE and Qatar, including market access, partnerships and new venture expansion.