• Led and achieved 30% CAGR growth consistently YoY, by scaling growth of new products/geographies and turned company into PAT positive.• Responsible for the development of GTM strategy and 15 months product road map with business and product teams to drive direct sales and partnership with processors and schemes.• Lead the financial aspects of fund-raising initiatives, securing capital from parent company for the expansion projects. • Leading the project on company's readiness for Initial Public Offering (IPO) establishing GRC framework, quarterly audits, Ind AS adoption, risk factors and financial and non-financial KPIs. • Responsible for driving commercial strategy, pricing for different products in different markets and stitching key partnership deals. • Closely work with legal counsel to review key contractual terms, clauses relating to indemnity, SLAs, penalties, and other financial implications. • Closely worked with the Tax and internal/external counsel to simplify the holding company structure.• Conducted comprehensive due diligence, financial modeling, and risk analysis for M&As.• Lead digital transformation, operational improvements, and cost optimization projects to improve profitability.• Responsible for direct and indirect tax and Company Secretary matters.

• Led Risk Assessment Committee meetings for PayU India to report and mitigate key risks facing business.• Formulated robust risk based internal control plan and completed reviews as per planned timelines.• Responsible for managing merchant credit risk and minimizing chargeback losses.• Ensuring adequate insurance coverage to minimize any loss due to cyber/Crime frauds.• Headed Fin-Ops team and was responsible to lead and automate nodal account, reconciliation, settlement, and refund processes.

• Lead internal audit assignments for multiple markets in JAPA region for processes including Anti-Money Laundering (including KYC), Cards Acquisition, New Product Development (including Co-Brands), Regulatory Compliance, Third Party Management, Internal Capital Adequacy Assessment Process (ICAAP), Credit Underwriting, Membership Rewards, Travel and Lifestyle, and Legal Entity Governance.• Concurrent Auditor for American Express Banking Corp: Performed audits independently in accordance with planned timelines and issuing reports to senior management. Provided key certifications to RBI required from concurrent auditor on periodic basis or otherwise required on sporadic basis.

• Lead (on secondment in the UK) a global project to implement a new Financial Control & Governance Framework in line with the ‘Barclays Internal Controls – Integrated Framework' developed on COSO.• Carried out in-depth analysis of business processes, risks & controls, and system issues to define, propose and implement strategic technological and procedural workflow improvements. • Conducting monthly meetings with Working Group (Senor Users) and Steer Co (Financial Controllers) members to apprise them of the project update and get key decisions ratified.

• Implemented 2 planning cycles for 16 Countries in HSBC International.• Developed Annual Operating Plan and Rolling Operating Plan.• Built planning models which facilitated quick generation of multipurpose and comprehensive plan reports for all countries.• Management Reporting and Business Process Analysis• Presented on monthly performance to Financial Accounting Committee.• Daily treasury, Large Exposure monitoring and daily system reconciliations.• Month end activities including closing books of accounts, reviewing inter-company reconciliations

• Reported to Senior Financial Analyst in GE and presented monthly pitch to Vice President Corp FP & A – General Electric.• Preparation and analysis of Net Income files of Global Business Services.• Management of budget reports and variance analysis of actual numbers v/s budgeted estimates.