Innovations & Initiatives- Conceptualized and Implemented industry first process to enable CNP Txn during Txn OTP flow (3DS authentication); Adding ~$110m of annual spends- ~$3m annual saving by designing & implementing new Vendor payment system (D2I) for corporate customers - ~$2m annual saving with inhouse VISA chip authentication (Inhouse Cryptogram validation on V+)• New Age Payments – Tokenization- Card-on-File Tokenization (CoFT) on VISA, MasterCard & Rupay- Adding ~$33m of annual spends on Card-on-Device Tokenization - Samsung Pay, SBI Card Pay, Google Pay etc on VISA & MasterCard (Along with API Step-up)- Adding ~$2m of annual spends on Bharat QR for VISA(mVISA) & MasterCard(MPQR) using API integration on issuer App & third-party wallets- 10% Auth drop saving by implementing the VSC & IDCX for VISA & MasterCard wherein 2FA (Transaction OTP) is not required for transactions below 2k• Dispute & Chargeback Process - ~$6m annual saving with re-applying the Finance charges adjusted during temporary credit given to the customer if dispute is settled in merchant favor- ~$1.3L annual saving in reverting the rewards points given to the customer for original transaction if dispute is settled in customer favor- Auto adjustment of Forex charges for disputed transactionsCross-Sell: EMI products, CPP and Multi carding- ~$15m annual revenue from end-to-end designed merchant subvention process. - ~$1m annual saving on MDR by inhouse direct integration with CPP, Posting payment & EMI conversion - 60k Customer accounts reinstatement which were blocked due to RBI Moratorium via digital request• Regulatory Compliance and spends claw-back- Claw back of ~$200m annual spends by designing and implementing Transaction Controls on SBIC App, website- Saving ~$55m of balance movement to P&L by implementing the RBI moratorium - ~$5m annual saving in VISA/MasterCard penalty charges by sending non-chargeable response code for declined transactions

• Growth & New products- Led Network Integration, API Integration, Core-Application (VisionPLUS) & CRM Changes for Simply Click, OLA & Paytm Cobrand Cards so that complete details could be displayed in partner Apps as well• Digital Enhancements- ~$8m Annual Spends claw back by enabling customers to activate the CNP & contactless transactionswhile requesting Reissue/replacement/upgrade via mobile App & website- ~1.5L new accounts onboarded in first year with real time onboarding in core application and CRM along with update on ACS & Falcon• InfoSec Initiatives - New system changes to mask / partial mask or display customer PII information in core application - To remove the Card CVV related details from system• Rewards Redemption & Capping - ~$2m annual saving with Reward points capping design - ~$1.5m annual saving by designing negative merchant list in loyalty Management system - ~$1.5m annual saving for stopping the Reward points accrual during offer period - Designed & implemented the real time Rewards redemption process• Data Center Migration- Key member in Contract negotiation worth ~$160m with First Data for SBI Card credit card processing application DC Migration- Led VISA/MasterCard Integration, HSM setup, API & batch applications Integrations in DC migration of SBI Card from DXC Technologies, Australia to First Data, India

Was involved in cards portfolio migration from Prime system to VisionPLUS for EKM countries.

Migration project like 1. ADCB Migration 2. ENBD Harmonizationother engagements like:Restriction the retail and cash OTB to the maximum of credit limit for overpayment in a single dayENBD rewardsBAU Issue Tracker