A seasoned professional with deep insights in digital payments and lending. Extensively worked in domains such card issuance, payment acquiring, digital lending. Worked on strategic projects in efficient data based underwriting or payment collections in secured / unsecured lending. 1. Over 13 years of experience in forming business alliances right from sourcing, onboarding, nourishing and at times nursing.2. Understanding of Digital banking solutions including Card issuance- Prepaid, Forex, Debit and Credit cards, Merchant Acquiring-POS, Soft-POS/E-com, UPI, Neo-banking, Digital lending.3. Exposure to advanced payment solutions like Contactless payment, Soft-POS, DCC, MCC, Digital lending solutions like LACR, FLDG, BNPL, Virtual a/c collection and Pay-out, NCMC, and Fast-tag etc.4. Extensive exposure of working in diversified industries like BFSI, Financial services, Digital payments, Merchant Acquiring, Ecommerce, Telecom, Payment Gateway.Areas of Expertise: Banking as a service- Digital/API banking Card Issuance- Prepaid, Debit, Forex, Credit, NCMC etc. Merchant Acquiring- POS, Soft-POS & PG Digital Lending- LACR, BNPL, FLDG etc. Neo-banking, Collection and Pay-out Deliver complex & win-win business soln. Remittance- DMT, AePS and Cross border P&L and People management.