Neeraj Malhotra — CEO
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.
Stackforce AI infers this person is a Fintech expert with extensive experience in payment solutions and digital banking.
Location: Dubai, United Arab Emirates
Experience: 30 yrs 3 mos
Skills
- Payment Solutions
- Business Development
- International Payments
- Business Strategy
- Business Consulting
- Payments
- Digital Banking
- Key Account Management
Career Highlights
- Over 25 years in banking and fintech.
- Expert in payment solutions and digital transformation.
- Strong focus on trust and human-centered design.
Work Experience
Salispay
Business Head - Payment Solutions (1 yr 6 mos)
Safexpay UAE
General Manager - International Payments (2 yrs 1 mo)
CredoPay
Director Of Business Development (2 yrs 6 mos)
payscript
Investor (4 yrs 9 mos)
SmartDisplayer Technology Co., Ltd.
Business Consultant (South Asia / Middle East) (1 yr 6 mos)
Cognisun Inc.
Business Head - M.E. & APAC (1 yr 4 mos)
OMA Emirates- Solution Gulf ,LLC
Vice President - Payments (Issuance & Acquiring - Ingenico) (3 yrs 1 mo)
RBL Bank
Vice President - Digital Banking (3 mos)
NagraID Security
Regional Sales Manager - South / South East Asia (1 yr 6 mos)
NagraID
Sales Manager - South Asia (1 yr 6 mos)
Vice President (3 yrs)
Aviva India
Sr Manager- Key Account (1 yr 11 mos)
DCB Bank
Branch Head (1 yr 8 mos)
Transaction Solutions International (India) Pvt Ltd
Founder & General Manager - POS and ATM (Business Development) (1 yr)
HDFC Bank
AVP - ATM and Card Products (Earlier LKB Bank) (1 yr 11 mos)
IDBI Bank
Manager - Card Products (1 yr 10 mos)
HDFC Bank
Product Manager- Cards / ATM and Merchant Acquiring (Earlier Bank of Punjab Ltd) (1 yr 6 mos)
Fena Private Limited
Product Manager (1 yr 11 mos)
Dalmia Healthcare
Management Trainee / Product Executive (2 yrs 7 mos)
Dabur India Limited
Sales Representative (8 mos)
Education
PGCIBEF at Indian Institute of Foreign Trade
PGDBM at Apeejay School Of Management
BA at Delhi University