NatWest Group India is a strategic global capability centre supporting over 20 million banking customers worldwide. Leveraging India’s deep technology expertise and vibrant fintech ecosystem, it plays a pivotal role in advancing the Group’s digital and operational transformation.

As the largest employee base outside the UK, NatWest Group India delivers differentiated value through innovation, engineering excellence and scalable operations. Several global technology and business domains are led from India, reinforcing its position as a core driver of the Group’s go-forward strategy. The consistent focus on culture and inclusion has earned NatWest Group India the Great Place To Work® certification for eight consecutive years.

The teams in India lead data technology for the Group, designing, engineering, and operating the shared data platforms and architecture that power the bank. Alongside this, they continue to build future-ready capabilities by re-skilling and strengthening the engineering talent at scale.

NatWest Group India is a trusted partner to Big Tech and fintechs, combining startup agility with the strength of a 300-year banking heritage and deep customer insight. Through these collaborations, they deploy emerging technologies responsibly to create secure, innovative and seamless experiences for our customers. 

Ruchika Panesar’s Bio:

Ruchika Panesar is the Country Head – India and the Chief Digital and Information Officer for the Group Functions at NatWest Group, one of the UK’s leading banks. A transformational and purpose-driven leader, Ruchika brings over two decades of experience across Banking, FinTech, and Payments, with deep expertise in enterprise technology, platform modernization, and digital innovation. 

She has successfully led large-scale transformation initiatives by leveraging emerging technologies – including AI and GenAI - to build enterprise-grade platforms and deliver customer-centric innovation across business domains.

Before joining NatWest, Ruchika held several global leadership roles at American Express in New York and India, where she led product development, engineering, and technology strategy to drive impactful customer and employee experiences.

Ruchika is also a member of the Executive Council at NASSCOM, contributing to India’s broader technology and innovation ecosystem. A passionate advocate for education, STEM inclusion, and empowerment, she actively sponsors programs for underrepresented minorities and emerging talent in tech.