A reboot with a new Fintech startup - cutting edge digital solutions for Banks, Credit Unions, Payment Processors across the Retail Banking and Payments landscape. Combining human expertise with AI / ML tools for next generation 'future proof' solutions.

Heading the Risk, Analytics and Payments Processing Services business for the Americas and other International markets. COO for the Payments Processing business in Asia.

Knowledge Processing Company -offering cards and payment processing services and Risk/Analytics Services and solutions with back office support operations. Unique world class KPO with niche focus on Cards, Analytics & expert solutions.

Head of Risk for the Countrywide business.

Part of the Board of the new start up consumer finance Joint venture of GE Money in UAE. Responsible for handling the credit/risk for the consumer lending products - auto loan, personal loans, SME loans, Consumer durable finance and credit cards. Also, part of the SBU for CEE region for GE Money•

Heading the Credit & Risk Operations function encompassing Credit, Collections, Fraud, Authorizations and Portfolio Management • Responsible for credit, operational, market and enterprise risk management. • Handling the Amex cards business Operations spanning the 18 countries in the region- Bahrain, Kuwait, UAE, Oman, Lebanon, Egypt, Jordan, Qatar, Syria, Morocco, Tunisia, Algeria, Iraq, Libya & Yemen.• Have direct P & L responsibility for annualized billings in excess of USD 1 Billion. • Manage a team of 120 staff spread across the region.• Deliver revenue and profits by maintaining credit and fraud losses at minimum levels.• Manage and administer application and behaviour scorecards.• Lead and manage a world class Operations unit to serve as the backbone of the business.

 Heading a team of 75 including 5 Supervisory staff for the Cards Division responsible for the bank’s credit and debit cards portfolio. Designing stringent and dynamic Credit Policy, Collections Policy, Risk Policy, Operations Policy for Retail Loans & Personal Finance portfolio Directly accountable for the profitable growth of the cards & loans portfolio by maximizing revenue streams and keeping Fraud and Bad Debts at minimal level Planning new strategies for profitable growth of the Cards/Retail lending Portfolio and revenue opportunities. Outsourcing of cards systems and processes.

 Effectively handled the Credit Cards (Visa & MasterCard) Portfolio - as Head of Credit and Risk Oversees Credit Policy, Collections, Fraud, Authorizations on Credit cards for India Credit Policy for Retail Assets (Car Loans, Personal Loans, Loans against Shares) portfolio's Credit, Collections, repossession, Fraud and lending policy  Devised & implemented 'Champion and Challenger' strategies to maintain optimal portfolio health and rapid growth in a phased manner

Manager Risk 1994 - 1997 Work Profile: Headed Credit & Risk for India, Bangladesh, Sri Lanka, Nepal, Bhutan and MaldivesAssistant Manager Card Operations 1992 - 1994 Handled new applications, credit policy, Collections & Fraud Control Financial Analyst - Card Operations 1990 - 1992 Handled applications processing, card embossing, collections, credit policy and Fraud Control Card Operations