I am a results-driven strategist with over two decades of experience in banking, payments, and financial inclusion. I excel at leading and developing new-age digital solutions in the Banking and Payments sector. I am known for collaborating with emerging business ecosystems like e-com & fintech to create solutions based on specific pain points. Working with Enterprises & SMEs for Digital Product penetration, I help businesses and organizations in designing and implementing innovative payment solutions that reduce friction, increase value, and enhance customer experience. I also advise on regulatory guidelines, policies, and the best practices and standards for digital financial services.My focus is on removing friction in alignment with business strategy for generating value through an increase in digital footprints, revenues, and cross-selling. Recognized as one of ‘India’s most agile CDOs’ by BFSI Select in 2023, I have been specially invited to key fintech and payments events as a Panel Speaker on various occasions. My most outstanding achievement includes the successful launch of the Unified Payments Interface (UPI) event by Dr. Raghuram Rajan, Hon’ble Governor of RBI, in Apr 2016. As part of the Working Group of IDRBT, I published a white paper titled ‘Application of Blockchain Technology in Banking.’* Increased new credit cards in force by 26% and increased mobile banking registration from 18% to 62% in 12 months during FY22-23.* Organically on-boarded over 63K UPI QR merchants with a 31% activation rate in 8 months.* 0 to 1 product development of the Payments functionalities of IDFC FIRST Bank Mobile and Internet Banking during FY19-21.* Drove RuPay e-Commerce via Issuer and Acquirer banks/payments aggregators/processor ecosystem relationship management.* Issued over a million RuPay Prepaid Cards in 2018-19.* Organized UPI Hackathon and iSPIRIT with the participation of 3800 fintech Developers