Neeraj Malhotra

CEO

Dubai, United Arab Emirates30 yrs 3 mos experience

Key Highlights

  • Over 25 years in banking and fintech.
  • Expert in payment solutions and digital transformation.
  • Strong focus on trust and human-centered design.
Stackforce AI infers this person is a Fintech expert with extensive experience in payment solutions and digital banking.

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Skills

Core Skills

Payment SolutionsBusiness DevelopmentInternational PaymentsBusiness StrategyBusiness ConsultingPaymentsDigital BankingKey Account Management

Other Skills

AcquiringAnalyticsBankingBranch BankingBusinessBusiness AlliancesBusiness PlanningCRMCardsChannel PartnersConsultingCredit CardsCross SellingCustomer Relationship Management (CRM)Debit Cards

About

I’ve spent 25+ years navigating the evolution of banking, payments, and digital ecosystems — from the first POS terminals / cards to today’s agentic AI-driven, interoperable infrastructures. What’s kept me relevant isn’t just experience — it’s curiosity, adaptability, and the drive to reimagine what’s next. Across the Middle East, India, and Asia, I’ve helped banks, PSPs, Payfacs, regulators, and fintechs bridge legacy systems with future-ready frameworks — from open banking and cross-border payments to AI-led personalization and digital public infrastructure. I thrive where strategy meets execution: turning complex, regulated environments into seamless, scalable experiences. I believe the new world of finance demands more than technology — it demands trust, transparency, and human-centered design. Whether I’m shaping ecosystems, advising innovators, or writing about the future of finance, my goal is simple: to make digital transformation inclusive, interoperable, and intelligent. If you’re building the next wave of AI-native financial systems, exploring cross-border collaboration, or simply curious about how fintech and AI can power inclusion, let’s connect. The next decade belongs to those who can blend wisdom with agility — and I’m here for that conversation.

Experience

Salispay

Business Head - Payment Solutions

Sep 2024Present · 1 yr 6 mos · United Arab Emirates · On-site

  • As the Business Head at SalisPay, I led the strategic planning and execution of the joint venture between OCS Infotech and CredoPay, focusing on providing cutting-edge payment solutions in the Middle East market. My role involved overseeing the development of the Processing Platform "CenterFirst" and ensuring its successful implementation across multiple countries, resulting in a seamless payment experience for clients.
E-CommerceMarketing StrategyBusinessEnterprise ManagerPayment SolutionsBusiness Development

Safexpay uae

General Manager - International Payments

Jul 2022Aug 2024 · 2 yrs 1 mo · Dubai, United Arab Emirates · On-site

  • Instant activation: Get up and running in minutes with our quick and seamless onboarding process.
  • Extensive payment options: Accept payments from all major credit and debit cards, as well as digital wallets and bank transfers.
  • Customizable branding: Personalize your payment platform with your own logo and colors to maintain a consistent brand image.
  • Secure transactions: Rest assured that your customers' payment information is protected with our advanced security measures.
  • Reliable customer support: Our team is available 24/7 to assist you with any questions or issues that may arise.
  • Competitive pricing: Enjoy transparent pricing with no hidden fees, so you can focus on growing your business without any surprises.
SegmentationBusiness StrategyKey Account ManagementMarketingExecutive ManagementSales Management+36

Credopay

Director Of Business Development

Jan 2020Jul 2022 · 2 yrs 6 mos · New Delhi, Delhi, India · Hybrid

  • CredoPay's robust infrastructure ensures seamless and secure transactions for customers, while providing real-time monitoring and reporting tools for merchants and financial institutions. Our platform supports a wide range of payment methods including cards, wallets, and instant payment systems, offering customers a convenient and frictionless payment experience.
  • With a focus on innovation and customer satisfaction, CredoPay continuously enhances its platform with new features and functionalities to stay ahead of industry trends. Our dedicated team of experts work tirelessly to ensure that our customers receive the best possible payment solutions tailored to their specific needs.
  • By choosing CredoPay, businesses can streamline their payment processes, reduce operational costs, mitigate risks, and increase revenue opportunities. Join us today and unlock the power of seamless digital payments with CredoPay.
Marketing StrategyBusinessEnterprise ManagerBusiness DevelopmentPayment Solutions

Payscript

Investor

Oct 2019Jul 2024 · 4 yrs 9 mos · Australia · Remote

  • Cryptocurrencies and Blockchain technology are now becoming part of our lives, our team at Payscript strives to carefully synthesize the dynamism of these technologies with technical innovation to provide the users with a groundbreaking crypto-wallet experience.

Smartdisplayer technology co., ltd.

Business Consultant (South Asia / Middle East)

Aug 2019Feb 2021 · 1 yr 6 mos · New Delhi Area, India

  • A world leading company of OTP displaycard - SmartDisplayer started to developed display card tech since 1996 and has shipped over 3 million OTP cards to market in past 4 years including Bank of America, Verisign, PayPal, Bank Popolare, Barclays Bank, Corners Bank, CAL, IW Bank, DKB, Yapi Kredit Bank, Woori Bank, NH Bank, Meritze Securities, SK Securities, charlesSCHWAB, Bank Keshavarzi, Bradesco Bank ... etc.
E-CommerceBusinessBusiness Consulting

Cognisun inc.

Business Head - M.E. & APAC

Jun 2019Oct 2020 · 1 yr 4 mos · UAE/ India

BusinessBusiness Development

Oma emirates- solution gulf ,llc

Vice President - Payments (Issuance & Acquiring - Ingenico)

May 2016Jun 2019 · 3 yrs 1 mo · United Arab Emirates · On-site

  • In addition to our expertise in payment solutions, OMA Emirates also offers a range of value-added services such as consultancy, project management, training, and technical support to ensure the successful implementation and ongoing support of our solutions.
  • Our commitment to innovation and customer satisfaction sets us apart from the competition, and we are continuously striving to exceed the expectations of our clients by delivering cutting-edge solutions that drive business growth and success. OMA Emirates is dedicated to providing secure, reliable, and efficient payment solutions that meet the evolving needs of the industry and enable our clients to stay ahead of the curve in the competitive business landscape.
  • If you are looking for a trusted partner to help streamline your payment processes and enhance your business performance, look no further than OMA Emirates. Contact us today to learn more about our solutions and how we can help your business succeed in the rapidly changing world of payment technology.
Marketing StrategyBusinessEnterprise ManagerPayments

Rbl bank

Vice President - Digital Banking

Feb 2016May 2016 · 3 mos · Mumbai Area, India

  • New Digital Initiatives
Marketing StrategyBusinessDigital Banking

Nagraid security

Regional Sales Manager - South / South East Asia

Jul 2014Jan 2016 · 1 yr 6 mos · New Delhi Area, India

  • Business Development / Enterprise Business for Company and creating Product awareness in Banking and Financial Services Segment.Strengthen existing relationships and Develop new partnerships and alliances (Card Manufacturers and System Integrator). To provide with Pre and Post Sales support
  • New marketing initiatives and activities.
Marketing StrategyBusinessBusiness Development

Nagraid

2 roles

Sales Manager - South Asia

Jan 2013Jul 2014 · 1 yr 6 mos

  • Business Development - Display Card Platform (Card Products- Credit/Debit/Prepaid), Government(ID Solutions), System Integrator, Card Manufacturers) across South Asia.
Marketing StrategyBusinessBusiness Development

Vice President

Jan 2010Jan 2013 · 3 yrs

  • Payment Solutions
  • Business Development and Alliances – Government and Banking and Financial Services
  • Industry (Card Management)
  • Focusing on:
  • Value Added Resellers (VARs)
  • System Integrators (SI)- Banking (Cards Domain) and E-Governance (Smart Cards)-
  • Multipurpose Cards (Resident IDs)
  • Card Manufacturers (Visa/MasterCard and SCOSTA)
  • ATM and POS Management (White Label)
Marketing StrategyBusinessBusiness Development

Aviva india

Sr Manager- Key Account

Dec 2007Nov 2009 · 1 yr 11 mos · Gurgaon, India

  • Bancassurance - Managed Biggest Banca Partner (Key Account Manager) - Centurion Bank of Punjab/Lord Krishna Bank
Marketing StrategyBusinessBusiness Development

Dcb bank

Branch Head

Apr 2006Dec 2007 · 1 yr 8 mos · New Delhi / Gurgaon

  • Branch Management (Operations) - Urban and Semi-Urban Branch (Delhi-NCR)
  • Branch Business and Operations
  • Business – Liability Products/ Asset Business(Loan Products)/ Alternate Channel
  • Business Revenue- Third Party Products (Mutual Funds and Insurance Products)
  • Operations – Audit/ RBI Audit/ Compliance/Cash Management etc.
Marketing StrategyBusinessKey Account Management

Transaction solutions international (india) pvt ltd

Founder & General Manager - POS and ATM (Business Development)

Apr 2005Apr 2006 · 1 yr · New Delhi Area, India

  • Founder - Transaction Solutions (TSI) in India .
  • Introduced White label POS Network with Centurion Bank of Punjab and ATM Managed Services and Kiosk Bill Payment

Hdfc bank

AVP - ATM and Card Products (Earlier LKB Bank)

May 2003Apr 2005 · 1 yr 11 mos · New Delhi · On-site

  • Card and ATM Products
  • Visa Electron Debit Card
  • ATM Services (Euronet/ Flexel International (CBS Platform)
  • Retail Liabilities - Direct Sales (CASA)- North India
BusinessBusiness Development

Idbi bank

Manager - Card Products

Jun 2001Apr 2003 · 1 yr 10 mos · Mumbai

  • 1. Marketing Manager - Marketing Activities across all Product Segments (Retail/Corporate). In House Magazine and Coordinating with Advertising Agency and development of Product and Marketing Collaterals.
  • 2. Manager - Debit Cards - Launched Visa Debit Cards

Hdfc bank

Product Manager- Cards / ATM and Merchant Acquiring (Earlier Bank of Punjab Ltd)

Dec 1999Jun 2001 · 1 yr 6 mos · Gurgaon, India

  • Managed Alternate Channels (Digital Payments) Intriduced India,'s First Maestro Debit Card (PIN Based) and Merchant Acquiring Business (POS Terminals) and Offsite ATM Network.
  • Marketing Activity - Developing Product Collaterals - Maestro Debit Cards/ Retail Liability Products (Swagat)/ EDC Terminals (POS Terminals)
  • Introduced " Swagat" Zero Balance Savings Account with Insurance Coverage and Specialized Product for POS Terminals.

Fena private limited

Product Manager

Dec 1997Nov 1999 · 1 yr 11 mos · New Delhi

  • Product Manager - Dish Washing Segment - NIP (Dish Cleaner)
  • New Products - Detergents
  • Product Managemt Functions , ATL and BTL Activities

Dalmia healthcare

Management Trainee / Product Executive

May 1995Dec 1997 · 2 yrs 7 mos · New Delhi

  • Responsible for Dairy Products - Brand "Sapan"- Dairy Whiteneers.
  • Launched Milk Powder Sachets/ Sapan Spray - Dairy Whiteners.
  • Product Management Functions, ATL and BTL Activities

Dabur india limited

Sales Representative

Sep 1992May 1993 · 8 mos · Delhi, India

  • Health Care Products

Education

Indian Institute of Foreign Trade

PGCIBEF — International Business & Finance

Jan 2018Jan 2019

Apeejay School Of Management

PGDBM — Marketing

Jan 1993Jan 1995

Delhi University

BA

Jan 1989Jan 1992

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