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A Chartered Accountant, Chawla joined PPBL from RBL Bank, where he served as head - Branch Banking and focused on expanding the CASA base, fee revenue, and cross-selling across channels. Before joining RBL Bank in 2013, he spent nearly 12 years in key senior management positions at HDFC Bank, culminating in his role as head of the retail liabilities product group. As senior executive vice-president at HDFC Bank, Chawla also worked as the head for the Southern, Eastern and Northern regions at different points in his career.