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Ravi Kumar has a comprehensive background in the banking and financial services industry, with a focus on digital banking, marketing, and product innovation. Ravi served as the Head of CIT Direct Bank at CIT Bank, where they were responsible for the strategic direction and profitability of the bank franchise. Ravi demonstrated their expertise in driving double-digit retail deposit growth and achieving efficient interest and marketing expense ratios. Ravi also held the position of Head of Digital Marketing and Head of Digital Optimization at First Citizens Bank, overseeing the digital marketing function across all consumer, wealth, and commercial businesses. Ravi's responsibilities included developing digital marketing strategies, creating marketing channels, managing digital communications and social media, and leveraging marketing technology implementation across the enterprise. Prior to these roles, they worked as a Digital Bank Executive at Nationwide, leading digital bank products, mobile, operations, data, analytics, payments, and customer experience. Ravi also served in various positions at organizations such as the California Bankers Association, Ohio Dominican University, Ohio Health Plans, Capgemini, Great American Insurance, and Tata Steel.

Ravi Kumar's education history includes attending the University of California, Berkeley, Haas School of Business, where they studied Leadership and Communications. Ravi also pursued an MBA degree in Management at Otterbein University. Additionally, Ravi earned a Bachelor of Science in Engineering from the National Institute of Technology, Jamshedpur. Prior to their higher education, they attended St. Xavier's School Ranchi, although no specific degree or field of study is mentioned for this period.