I am an experienced retail banker with over 18 years of managerial and leadership experience in the retail banking industry ranging from conception to delivery of products and services. Currently lead the Cards business for one of the largest banks in the Middle East, Emirates NBD. Proven ability to leverage complex organizational structures to drive business performance in a culturally diverse environment.I have deep seasoning in the Cards Business along with comprehensive understanding of key P&L levers across the suite of retail banking products. I have successfully handled roles in various business functions including Retail Back Office, Business Planning & Analysis as well as Product & Portfolio Management. Possess in-depth understanding of operations, risk management and technology as well as product and portfolio management strategies.I have led large and diverse teams and have a proven track record in delivering results. I bring a high level of energy, dedication and integrity to the job. I have had in depth exposure to two diverse market places – India & UAE and have also had exposure to the retail financial services marketplace across countries in Asia-Pacific. Specialties: P&L management for Credit & Debit Cards, Cards Product Management, CLM and retail analytics,Business Planning & Strategy, Portfolio Management, Marketing, Operations & Technology, Fraud Risk Management