Sumit Uttamchandani

Sumit Uttamchandani is a Dubai-based operator with 25 years across UAE and GCC financial services — 15 years inside banks, then a decade building and selling loyalty, payments, engagement and emerging-technology solutions to banks, fintechs, telcos, aviation, energy, payment schemes and governments across the region. His work sits where customer loyalty, payments and engagement meet applied AI.

Today he focuses on two connected areas: AI-driven loyalty, rewards and personalization for financial services, and — through Operating Intelligence — building agentic AI systems that plan, act and report inside the enterprise.

As an advisor, speaker and builder, he helps leaders move beyond experimenting with AI tools to redesigning how teams think, decide and execute work — pairing real operating experience with practical AI implementation, and sharing frameworks for more adaptive, efficient and customer-centric organizations. He regularly writes and speaks on AI, customer engagement, digital transformation and the future of work.

Track record

15+ years inside UAE banks

1. 2002 – 2006 Senior Business Development Executive · Emirates NBD
2. 2006 – 2012 Sales Manager · Commercial Bank International
3. 2012 – 2014 Assistant Vice President · Mashreq Bank
4. 2014 – 2017 Manager, Direct Sales & Distribution · National Bank of Umm Al Quwain
5. 2017 – now A decade in fintech, loyalty, rewards and customer-engagement ventures across the GCC.

Credentials: MBA · Project Management Professional (PMP) · AML / compliance certified.

What I work on now

Find me