Bits, Banking & Business Analytics with Muthusamy Vetrivel

From Software People Stories by PM Power Consulting

April 15, 2026 · 33 min

About this episode

Muthusamy Vetrivel discusses his unconventional career journey through technological disruption in banking.

In this episode of Software People Stories , Gayatri speaks with Muthusamy Vetrivel, Manager – Business Analytics at Saudi National Bank (formerly Saudi French Bank), about a career that spans over four decades of technological disruption. Vetrivel’s journey is anything but conventional. He began in the granite export business — negotiating documents and standing nervously at bank counters. That experience sparked curiosity: “What happens behind the counter?” That curiosity led him into banking. In the mid-1980s, when computers first entered Indian banks, he was among a select group trained in programming through Aptech — at a time when unions resisted “computers” and they were rebranded as Advanced Ledger Posting Machines (ALPM). From: Assembly language and MS-DOS 20 MB storage limits 286 machines and floppy disks Writing modules for savings and current accounts To: Oracle databases LAN networks Core banking migrations And today — analyzing 5 million customer records in seconds Vetrivel has lived through every wave of banking transformation. Now in Riyadh, he leads Business Analytics — studying customer behavior, spending patterns, and helping the bank design better financial…

People in this episode

Host: Gayatri

Guest: Muthusamy Vetrivel

Topics covered

business analytics
banking transformation
customer behavior
technology disruption
career journey

Keywords

business analytics
banking
technology
customer records
financial products
career
Saudi Arabia

Mentioned in this episode

Organizations: Saudi National Bank, Saudi French Bank, Aptech, Saudi Central Bank, Riyadh Tamil Sangam

Places: Riyadh