Mudit Saxena has worked in retail banking over the last 25 years in five countries in the Middle East and Asia, with immersion in both conventional and Islamic banking. In his present position, he is involved in establishing Islamic banking as one of the pillars of growth of Commercial Bank of Dubai. This involves a transformation that includes building a digital proposition, enhancing sales and service capability, setting up new distribution channels, launching new products, improving customer and employee engagement, and other initiatives. Saxena was previously head of retail of Bank Dhofar in Oman, where he led the transformation initiative. Before coming to the Middle East in 2002, he was head of marketing and internet banking with HDFC Bank in India.