An Industry Leader with over 30 years of global progressive experience in secured and unsecured banking asset products, specializing in Global Payments, Credit Cards & Agent Banking. Managed global portfolio at Mastercard and Citibank Cards Business for India. Valuable experience in implementation of mobile banking solutions, payment services (including digital), development/integration of payment systems and payment solutions across various APAC & ME countries. Experience in Retail banking/Card Operations, ranging from Origination to Collections, Fraud to Credit Policy to Analytics. Instrumental in designing/launching Agent Banking BFSI Marketplace Platforms & successfully implementing hybrid merchant distribution channels Pan India. Been instrumental in driving successful business transformations, M&A, re-engineering, strategy & implementation projects in India, Philippines, etc.