---
title: "Nakul Kothari - Head of APAC & Middle East in Bengaluru | Tal"
description: "Meet Nakul Kothari, Building Global Payments Infrastructure | Cross-Border Payments | Payment Orchestration | Payments & FinTech Speaker based in Bengaluru."
image: "https://tal.club/meet/nakul-kothari/share-image"
---

# Nakul Kothari on Tal

## Headline

Building Global Payments Infrastructure \| Cross\-Border Payments \| Payment Orchestration \| Payments & FinTech Speaker

## About

I work at the intersection of payments infrastructure, fraud & risk, regulation, and market expansion \- helping enterprise merchants, banks, and acquirers/ PSPs scale across some of the world’s most complex markets\. Over the last 10\+ years in payments, digital commerce, and fintech, I have focused on solving problems that sit behind the checkout \- cross\-border payments, payment orchestration, fraud and risk controls, local payment method expansion, and large\-scale enterprise integrations\. My work is centered on improving real outcomes: higher authorization rates, lower payment and FX costs, stronger fraud controls, regulatory compliance, and a more local, trusted customer experience \- often delivering measurable uplifts in overall payment performance\. In my current role at Juspay, I lead regional strategy, market expansion, partnerships, and product initiatives across APAC and the Middle East, working closely with regulators, card networks, acquirers, and ecosystem partners to strengthen market\-level payment capabilities for global enterprises, banks and acquirers/ PSPs\. I am a regular speaker at global fintech and payments forums including Money20/20, MRC, MAG, Seamless, ATPS, Web in Travel, Aviation Festival and more, where I share insights on payment transformation and exchange notes with practitioners who think about payments as infrastructure \- not just checkout\. Focus areas: Payment orchestration • Cross\-border Payments • Risk & Fraud systems • Authorization & Cost optimization • Market expansion • Enterprise payment architecture • Product Management • Product Strategy • Regulatory Compliance

## Location

Bengaluru

## Work experience

Head of APAC & Middle East at JUSPAY, Feb 2023 \- Present · 3 yrs 7 mos, Singapore, Dubai, India, Leading the charter to launch and expand Juspay's offerings in APAC & MENA region\.

Product & Growth Head – Global Business at JUSPAY, Feb 2022 \- Jan 2023 · 1 yr, Bengaluru, Karnataka, India, Working with multiple key stakeholders \(Merchants, Networks, Banks, Payment Processors\) to identify new product opportunities \(& revenue streams\) and build/ launch Global Products\.

Product Manager at JUSPAY, Oct 2019 \- Jan 2022 · 2 yrs 4 mos, Greater Bengaluru Area, ▪ Scaled up Juspay flagship product by designing & implementing new payment features and integrations ▪ Led a team of BDMs to sell & grow our payment products across India

Product Manager, Merchant Risk at American Express, May 2019 \- Oct 2019 · 6 mos, Gurgaon, India, ▪ Led a team of analysts to explore strategic opportunities for mitigating merchant credit and fraud losses globally by working closely with cross\-functional teams \(operations, market risk, marketing and tech\) and leveraging machine learning algorithms & analytical rules structures ▪ Business Product Owner of application that analyzes merchants submissions globally ▪ Risk Strategy Consultant to AMEX payment partners \(Stripe, Square, Paypal, FirstData etc\.\)

Product Manager, Customer Risk at American Express, Apr 2017 \- Apr 2019 · 2 yrs 1 mo, Gurugram, Haryana, India, End to end Lending process owner for developing multiple strategies to improve customer profitability and enhance customer experience during customer lifecycle\. Key Achievements: ▪ Worked as a consultant to market risk teams providing expertise in leveraging external vendor data pertaining to Credit bureau, Identity verification, Device, Phone, Email & IP intelligence to improve customer lending process globally ▪ Implemented First Fraud Risk GBM based machine learning model for 18 countries to identify high risk customers during acquisition resulting in annualized savings of USD 2\.5 \- 3 million ▪ Designed effective controls to minimize point of sale disruptions of genuine transactions and reduce write off rates to lowest in industry ▪ Achieved savings of USD 1\.5 million by formulating strategies to detect risky signals during customer’s first transaction itself ▪ Achieved 10% reduction in decline rate of genuine customers during lending process resulting in improved customer experience Awards & Recognition: ▪ Senior Vice President Award and Leadership in Action Award for outstanding performance in delivering multiple projects ▪ Thrice Runners\-Up in Decision Science Case Review Competition – Q1 2019, Q2 2018 & Q4 2017

Summer Intern, Product & Risk Management at American Express, Apr 2016 \- May 2016 · 2 mos, Gurugram, Haryana, India, ▪ Developed & Launched a 6\-parametric risk model for discriminating fraudulent applications post analyzing 100 million\+ application data using machine learning\. ▪ Awarded Pre\-Placement Offer \(PPO\) for contribution during internship period\.

System Engineer, Business Intelligence at Tata Consultancy Services, Oct 2012 \- May 2015 · 2 yrs 8 mos, Mumbai Metropolitan Region, Key Achievements: ▪ Developed strategic analytical reports for CXOs and business heads used for generating insights and improved decision making ▪ Conceptualized Invested Funds and Collection module reports for analyzing USD 900 mn investments and USD 2 bn collections ▪ Achieved 90% accuracy in forecasting USD 5 bn of Sales Pipeline & USD 300 mn of Manpower Data using SAP predictive analytics ▪ Led a team to automate Claims approval process using analytical tool SAP HANA resulting in increased time efficiency of 60% ▪ Performed Profitability Analysis by procuring real time data of \~1500 vendors across geographies using SAP HANA and SQL ▪ Awarded Star of Learners Group and received a perfect rating of 5/5 for exceptional project performance

Summer Intern at HCL Infosystems Ltd, Jun 2011 \- Jul 2011 · 2 mos, Successfully completed project on Job Site Starter Kit using ASP\.NET and Microsoft SQL\.

## Education

Master of Business Administration \- MBA, Indian Institute of Management, Calcutta

Financial Risk Manager \(FRM\), Global Association of Risk Professionals \(GARP\)

[View the original profile](https://tal.club/meet/nakul-kothari)

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