Headline

Passionate about Payments| Digital Payments |Retail Banking |Regulatory Engagement| Built products & platforms to scale| Recurring Payments|Affluent Experiences|

About

Strategic Financial Service Professional with 25+ years of experience delivering large-scale transformation across retail banking, digital payments, and fintech ecosystems. I help our issuer partners unlock growth, improve profitability, and drive inclusive innovation through segment-focused products, partnerships, and digitally scalable platforms. Here’s a snapshot of how I have created impact over the years: Worked on the RTGS enablement for Mastercard inter-bank settlements, streamlining net settlements to enhance merchant settlement speed and issuer liquidity; coordinated with global treasury, ops, and tech teams across South Asia, APAC, and the U.S. Led the successful launch of Mastercard Culinary Club, built cross-border travel partnerships, and launched the first HPCL-Mastercard co-branded debit card Worked with market participants to build the recurring payment solution in 2020 - with an added enhancement in 2024 (basis regulatory engagement) to allow for inter-operability market-wide - leading to seamless customer UX across merchants Developed the modular, bespoke customer value proposition model that allows our issuer partners to customise debit card products basis the customer segment within cost and revenue estimates. Built the Affluent Credit Card vertical contributing 20% to portfolio spends and revamped the Prepaid business to yield 35% YoY growth in revenue per card at Axis Bank Rolled out SpeedBanking across 1300+ branches and launched 150+ self-service centres to digitize routine banking and reduce servicing costs Re-engineered the Prepaid Card portfolio with new formats like wallets, virtual gift cards, and Aadhaar-enabled cards, resulting in multi-channel expansion and 70%+ cost savings Shaped regulatory-aligned payment solutions in partnership with UIDAI and policy bodies to accelerate financial inclusion and drive adoption of biometric payments through the launch of the Aadhaar enabled prepaid cards Was a part of the industry-wide working group to enable Pin @ PoS for Debit Cards that was subsequently rolled out across Debit and Credit programs. This helped build an ecosystem that recorded customer consent for transactions and drive digital adoption. I thrive at the intersection of data, policy, product, and people, whether influencing regulators, advising boards, or building next-gen digital journeys for affluent and underserved segments alike.

Location

Mumbai Metropolitan Region

AI stack

antigravity

claude code

claude

cursor

Work experience

Lead - Client Solutions at Mintoak, Jun 2026 - Present · 2 mos, At Mintoak, I am responsible for building and scaling the Client Solutions function, focusing on translating our platform capabilities into effective revenue-generating solutions for our partners. My role involves driving merchant engagement and collaborating closely with product, engineering, and banking stakeholders to accelerate the development of new merchant journeys.

Vice President & Lead : Product Growth & Network Solutions at Mastercard, Jun 2024 - Sep 2025 · 1 yr 4 mos, I currently spearhead initiatives that drive growth and innovation across South Asia’s Consumer and Commercial Card ecosystem. Developed business performance dashboards that give stakeholders critical visibility into issuing and acquiring metrics. Worked on the RTGS Participation for Mastercard Inter-Bank Settlements, redefinition of Debit product strategy, leveraging internal and external partnerships to drive Mastercard preference as a cross border travel partner. Launched the Mastercard Culinary Club to deepen engagement with affluent customers. Optimised costs whilst building lifestyle benefit platforms across Golf, Dining, Airport Lounge Experiences.

Vice President & Head Debit, Prepaid, Recurring & BNPL, South Asia at Mastercard, Mar 2023 - Jun 2024 · 1 yr 4 mos, Mumbai, Maharashtra, India, I led the Consumer Debit portfolio growth from 2019 to 2024, helping partner banks unlock new revenue through precision-targeted product and portfolio interventions along with key internal stakeholders. Conceptualised and executed market-wide consumer incentive programs that enable behavior change at scale. Worked closely with market participants and regulatory bodies to develop the recurring payment platform. A key achievement was co-creating issuer-level strategies and a modular approach to build bespoke CVPs for Debit Card programs. This enabled cost efficiencies, expanded usage, and compliance-aligned growth across focus issuers in the region.

Head Consumer Debit, South Asia at Mastercard, Jan 2019 - Aug 2023 · 4 yrs 8 mos, Mumbai Metropolitan Region

Head - Branch Automation & Digital Initiatives at Axis Bank, Aug 2015 - Jan 2019 · 3 yrs 6 mos, I had the opportunity to lead Axis Bank’s branch automation strategy—an exciting challenge that involved transforming traditional banking into a seamless, digital-first experience. We launched 150+ e-Lobbies in just two years, making Axis the private sector leader in this space. By automating routine transactions like passbook updates and cheque book requests, helped move one service staff into a revenue generation role at a branch level.

Head - Affluent Business (Cards) at Axis Bank, Aug 2013 - Aug 2015 · 2 yrs 1 mo, This role allowed me to design meaningful experiences for our affluent cardholders. I created and led the ‘Extraordinary Weekends’ platform, curating premium moments of engagement from onboarding to lifecycle management. It was rewarding to see how intentional experience design elevated satisfaction and loyalty among our high-value customers. Launched the Miles & More Axis Bank World Credit cards with revamped processes that are expected by the Frequent High Flyers that continue to be the most premium cardholder base from a spends and engagement PoV. Launched a suite of Affluent Credit Cards: Axis Privilege, Axis Select in addition to cater to affluent customers that are frequent domestic travellers

Head - Pre-Paid Cards at Axis Bank, Apr 2012 - Jul 2013 · 1 yr 4 mos, Mumbai

Regional Business Manager at GE Money, 2003 - 2007 · 4 yrs

Corporate Sales & Service Manager at HDFC BANK LTD, 2002 - 2003 · 1 yr

Education

PGDBA, Marketing & Finance, SIES College of Management Studies

Bachelor of Commerce (B.Com.), Marketing & Operations Research, R A Podar College of Commerce and Economics