• Grounded experience of more than 37 years of Indian Banking and Payment Systems and its Regulatory Compliance .
• Worked in State Bank of India for 29 years in the areas of banking and emerging payments with expansive domain knowledge in Mobile, Digital Payments, e-Commerce, m-Commerce and Electronic Bill Presentment System ( EBPS ). Also, closely associated with Bank’s strategies in the area of design and implementation of various payment systems - ATM Deployment, Debit cards, Prepaid cards, Merchant Acquiring Business and Mobile Banking Service “State Bank Freedom”.
• Currently associated as Head -Product Development – UPI; BHIM;IMPS ; AEPS;NACH; & USSD Based Payment Service -*99# with National Payments Corporation of India
• In depth knowledge of Indian Card Industry, Merchant Acquiring, Aadhaar (Biometric) based payments, P2P Lending, Cash Management, Cross Border Payments & e-Commerce Industry.
• Expertise in designing systems & procedures and contributing towards improved financial performance, heightened productivity and enhanced internal controls.
• Digital strategist. Expert in designing systems & procedures and contributing towards improved financial performance, heightened productivity and enhanced internal controls.
• Closely associated with regulators RBI and TRAI , Government Departments , NGOs , Fin-Tech Industry Players and Start Ups in creating complete ecosystems.
• Member of Payment Council of India & Key Note Speaker in International Conferences on Digital Payment Services.
