Feb 2024 – Dec 2024 · 10 mos · Brazil · Remote

• The Digital Transformation task force is dedicated to advancing digital infrastructure, fostering innovation ecosystems, and ensuring cybersecurity in the digital age. It will strive to bridge the digital divide by debating and proposing policies that aim at expanding access to digital resources and opportunities for all, making the digital revolution inclusive and beneficial for all society (companies and individuals). It will also explore the transformative potential of technologies such as artificial intelligence (AI) to drive innovation and sustainability, while ensuring the responsible use of data and technologies.

Sep 2021 – Present · 4 yrs 7 mos · India · Hybrid

Feb 2021 – Present · 5 yrs 2 mos · India · Hybrid

• Really excited to work on an area close to my heart – privacy and data protection – through a forum as esteemed as FICCI.
• This Task Force will build industry consensus on the topic of Data Governance, and engage policy-makers and regulators to create a robust, enabling framework for the data economy.
• A well-governed data economy is going to be the foundation on which we build a $ 5 Trillion global economic powerhouse called India.

Jan 2020 – Present · 6 yrs 3 mos · Bengaluru Area, India

• Here I go, Employee # 001 all over again …
• India is already data rich; it’s high time we make data drive economic prosperity. Like money, data can only be useful when exchanged for something of value - but needs a regulated, consent-based way for citizens to share data confidently.
• Our bet is that Account Aggregation (AA) will do to data what UPI did to payments.
• Happiness is working with missionaries who’re way smarter than me, to build game-changing solutions for the scale and complexity that is India. Grateful to somehow end up in the right place at the right time :-)

Apr 2019 – Dec 2019 · 8 mos · Bengaluru Area, India

• Perfios helps financial institutions access, organize, process, and derive measurable business outcomes from literally petabytes of (un)-structured data at their disposal. For instance, lenders have cut decision times on new loans from several hours to under 30 seconds. We serve several of India's largest banks, NBFCs, and tech-savvy Fintechs.
• "Data is the new oil", goes an oft-used adage. We build the refinery and pipelines.
• Perfios is at an inflection point of massive scale, scope, and relevance to our customers. Excited to lead our transition from startup to world leaders.

Mar 2017 – Mar 2019 · 2 yrs

• Setup AWS' India FSI business, serving customers across industry segments - Banks, NBFCs, Insurance, Fintech - across large enterprises and young startups. Worked with partners such as consultants, system integrators, and software vendors to build a complete ecosystem around customers. Engaged with financial regulators to earn their trust as customers started moving increasingly material workloads to AWS.

Jan 2016 – Feb 2017 · 1 yr 1 mo

• Responsible for partnerships with Banks, Payment Networks and other ecosystem partners in India, driving shared goals of removing friction from and accelerating the adoption of electronic payments.
• Drove product development and program execution to create a value proposition to shift customers from cash to digital payments @checkout and @doorstep.

Jul 2013 – Dec 2015 · 2 yrs 5 mos

• Amazon Payments strives to be Earth’s most customer-centric payments service. Our mission is to serve customers with the most trusted, frictionless payment solutions, available wherever they transact online.
• ► Developed the Payments strategic road-map including 3-Year vision and 1-year operating plans
• ► Executed two key M&A deals to add core Issuing & Processing capabilities
• ► Hired and developed world-class talent across Product, Business Development and Sales

May 2011 – Jun 2013 · 2 yrs 1 mo · Gurgaon, India

• Re-hired by Amex to lead strategy, emerging payments and M&A for India.
• Developed a One India strategy, collaborating internally with business heads and externally with consultants. The new strategy and organizational structure are driving efficiency by combining product lines, sales channels and simplifying decision making.
• Developed a long-term product roadmap and investment plan to strengthen Amex’ position in e-commerce and digital payments.
• Led cross-functional projects building new capabilities in digital payments. Project owner for ezeClick - Amex' proprietary, user-id based checkout solution (see demo below).
• Identified, developed business case, and secured board approval for acquiring a stake in an early-stage mobile payments start-up. Transaction closed successfully in Q4 2012.
• As a member of the India Business Leadership Team, I helped drive thought leadership on talent, products, strategic partnerships and M&A opportunities.

Dec 2010 – Apr 2011 · 4 mos · India

• P&L owner for mobile marketing solutions for small businesses, in partnership with Intuit, Inc. Together with Nokia Money, we offered small merchants an end-to-end mobile [marketing + payments] solution.
• Nokia exited most services as part of a larger strategic review.

Dec 2008 – Nov 2010 · 1 yr 11 mos · India

• Nokia Money provides basic mobile-based financial services targeted at the millions who have little access to formal banking products but do possess a basic mobile handset.
• Nokia Money was rolled out at ~ 1,000 retail outlets in 3 cities, in partnership with two domestic banks.
• My role focused on:
• Building partnerships with Financial Services providers, telecom operators
• Developing our merchant strategy:
• Segmentation, use cases, products for remote & proximity payments
• GTM partnerships and integration
• Driving a pilot to mobilize FMCG sales channel collections

Apr 2007 – Oct 2008 · 1 yr 6 mos · Bengaluru Area, India

• Founding team member of one of India's earliest mobile commerce startups.
• Built organizational capabilities in Sales, BD, Delivery, Operations and Marketing
• Strategic partnerships with mobile handset vendors and Operators to drive scale.
• Re-branded and positioned consumer brand - corporate identity, website, etc.
• Highlights:
• ► 350 → 200k+ users, 2 merchants → 140+ in 18 months
• ► #1 mobile sales channel for IRCTC (India's largest e-commerce site) < launch + 6 mths
• ► Industry-leading CPA and engagement metrics
• ngpay won several awards, including:
• Red Herring 100 – 2008
• WEF and Time Magazine - "Technology Pioneers"
• Business today – “Top 10 hottest startups” (2007)
• Towards end-2008, we downsized to save cash, as raising Series - B funding proved impossible in the post-Lehman environment. ngpay was eventually acquired by Flipkart, one of India's leading e-commerce providers.

Apr 2004 – Mar 2007 · 2 yrs 11 mos

• This role owns Amex's most critical Merchant Partnerships in India. Responsible for end-to-end Partner Management, covering strategic business building, contract re-negotiation, proactive service delivery, and cross-border marketing.
• ► Highlights:
• Conceptualized & piloted large, industry – transforming projects:
• Airline transaction automation. Today, this solution processes > 25 million transactions p.a., with higher reporting detail for cardmembers and massive savings in processing costs
• Carding the “bill-to-company” business of large hotel chains. Over 50 large hotels and numerous corporates signed on to the program. Cumulative billings > US$ 200 mn., effectively doubling the size of the portfolio!
• 3-year billings CAGR of 63%; revenues and PTI well above plan

Feb 2002 – Mar 2004 · 2 yrs 1 mo

• Responsible for growing merchant coverage. Included direct sales role for key holdouts as well as managing sales channels to grow mid-level merchant penetration and usage.
• ► Highlights:
• Established Card Acceptance in Education & Insurance industries
• Signed 6 of the Top 15 holdouts for the Market: key accounts in Entertainment, Food, Railways
• Developed strong acquisition channels to deliver sales performance > 127% above stretch goals

Sep 2000 – Jan 2002 · 1 yr 4 mos

• Set up sales infrastructure - proprietary, outsourced and partner-driven - for Consumer Card products in South India.

Feb 1999 – Aug 2000 · 1 yr 6 mos · Chennai Area, India

• Responsible for achieving key sales, marketshare, distribution, and merchandising goals for Coca Cola in Chennai.

Jun 1996 – Jan 1999 · 2 yrs 7 mos · Tiruchchirappalli Area, India

• Overall responsibility for one of Asian Paints' units in rural Tamil Nadu, including sales, collections, operations and inventory management.