Nitin Chugh, is currently the Country Head - Digital Banking and Personal Liabilities Products and Portfolio. He is also responsible for the Inbound and Outbound Contact Centers of the bank, including the Virtual Relationship Manager channel. In his current role, he is spearheading the digital transformation in the bank , for the last three years. He leads the digital banking function which has been working cross functionally with various businesses in the bank, to build and deliver a comprehensive suite of digital solutions and products. He also heads the Digital Innovation Unit which works on new ideas, technologies and solutions. He has successfully set up and handled several businesses in the last 15 years of his career with HDFC Bank.