Apr 2022 – Present · 4 yrs · Bellevue, Washington, United States · Hybrid

• Lightning is the future of cross border payments, we are excited to live and build this future.

Nov 2017 – Mar 2022 · 4 yrs 4 mos

• Thinking thru how payments will evolve across the world. What are the problems customer face while making payments internationally across 100+ countries. How will customers pay 5 years from now? Will credit cards ever become popular in emerging markets? What can we invent on behalf of customers in a scalable manner. Exciting times.

Feb 2016 – Oct 2017 · 1 yr 8 mos

• Amazon after transforming commerce globally has aspirations to transform payments. We at Amazon are working hard to look at the customer needs across Payments & what role can Amazon Payments play in solving these customer needs in India. My role is to identify & nurture strategic partnership across 4 Payments themes a) Payment Experience (Payment success rate, 2FA simplification), b)Affordability (EMI & Lending) c) Emerging Payments (UPI, Bharat QR & Aadhar Pay) d) Marketing & Digitization (Cash back, Co-Brand, Moving customers from Cash to electronic). I work with Banks, Networks, Financial technology service providers & payment processors to envision & implement solutions which impact the above themes.

Aug 2013 – Jan 2016 · 2 yrs 5 mos · New Delhi Area, India

• TSI is a payments solutions company with a focus on ATM outsourcing.
• We deal with Private & PSU banks to understand their needs in ATM outsourcing & provide tailored solutions. TSI is the only institutional company in this space (apart from ATM OEM's) with a significant stake by a large PE. I worked closely with the CEO to formulate the business strategy, including new business development, profitability & vision of the organisation.
• I was directly responsible for P&L, Revenue, Bottom-line & Strategic direction of the business

Mar 2011 – Jul 2013 · 2 yrs 4 mos

• P&L responsibility of the region delivered thru a team.
• Team of 5 Relationship Managers & 6 Business Development Managers.
• Challenging & Rewarding experience as my team's focus is on asset light customers i.e. - our sales pitch is not about lending.
• We do solution selling. Need Identification for corporates at various stages of Treasury & Finance evolution, thus creating value in the sales process.
• Other aspects of the job include, keeping the team motivated, thier career growth, building strategy for the region. Collaboration across region / Globe for best practices & cross border referral.

May 2009 – Mar 2011 · 1 yr 10 mos

• Citi Commercial bank was setting up its product team & I was excited to lead this effort for Cash & Trade Products
• Got exposed to promoters in CCB & their thought process, priorities & working style which was different from the MNC treasurer's & CFO's.

Aug 2008 – May 2009 · 9 mos

• GTS Product Sales across large Public Sector Energy names, Cement, IT & MNC clients

Dec 2005 – Jul 2008 · 2 yrs 7 mos

• GTS Product Sales with P&L responsibility.
• Across all large Corporate Bank & MNC names in Pune across Auto, Energy, Auto ancillary, Manufacturing, Telecom & IT ITES. Including a large Global Financial Shared Service Centre.
• Doubled revenues in 3 years
• Did a large bid bond syndication deal, first of its kind for a renewable energy major.

Mar 2002 – Dec 2005 · 3 yrs 9 mos

• Joined Trade Operations after hanging my boots at the entrepreneurial venture
• Learnt from scratch, International Trade & went on to lead a team of Trade Professionals owning complete trade processing for Citibank Bangladesh

Feb 2000 – Feb 2002 · 2 yrs · Mumbai Area, India

• Part of 4 member incubation team.
• Main founder was a college senior & I bought into his passion & Idea.
• The next 2 years were a whirlwind from business model changes, funding, expansion to downsizing.