Global Head of Credit Risk Strategy, Innovation, and Product:• Leading a team of data scientists, program managers, product management & platform teams in Chennai, Bangalore, and London to manage Global Credit Risk Strategy and Innovation for PayPal's $23 billion BNPL Business.• Serving as the India site lead for BNPL Credit Risk.• Risk Management, Decision Science, Data Science Responsibilities:• Developing AI and bureau-based risk strategies, partnering with the Machine Learning team to manage a $200 million Risk budget while maintaining a loan approval rate of approximately 90%.• Conducting data preparation, manipulation, analysis, research, and preparing strategy proposals.• Managing partnerships with credit bureaus, including assessing new products and negotiating pricing.• Innovation: Innovating ways to reduce risk losses and transaction expenses for the BNPL product. Utilizing AI models to offer cost-effective repayment funding instruments.• Planning: Budgeting, Monthly forecasting, Conduct monthly/qtrly business reviews, and bureau cost management. • Revenue Impact: I've played a significant role in contributing to a revenue of $700 million, with the BNPL product demonstrating consistent YOY growth of approximately 50% since its launch in May 2020.• Notable Achievement: Conceptualized and introduced "German PayIn30 Days" which contributed $7 billion in volume giving us a revenue of $140 million in year 1.

Risk Management, Decision Science, Data Science Responsibilities:1. 0-1 product launch - Launched BNPL in 7 countries2. New platform build - Successfully deprecated 2 deferred payment products in Germany and replaced them with new BNPL products, this is complex as PayPal’s customer base is huge and we had to seamlessly transition consumers to the new BNPL solution, and we had to integrate merchants with the new credit options. 3. Leadership - Built the new BNPL Credit Risk team ground up in Chennai and Bangalore.

After spending 5 years in managing bank payments this role gave many new opportunities and experiences, one of them is to lead open banking and it’s integration for the whole of Paypal.• Business & Product head for Global Open Banking and EMEA Transaction expense savings.• Product head for PayPal’s open banking program, led a team comprising of Product managers, Dev leads, QA leads, Risk analysts, data science managers of 15+ across multiple geographies to create a new OB platform which serves PayPal internal customers like risk, compliance, marketing.• Customer experience: A new instant onboarding experience for PayPal customers in Germany, UK, and the US.• TE savings initiatives – Stand IN/On Us routing, Card cannibalization through instant bank approvals partnering with Risk management. • Product lead for PayPal’s 10M$ investment on TINK. • Global bank product lead for PayPal’s tenant expansion.

Got promoted after India launch and the company offered a role in Mumbai to lead the product for India domestic business launch and manage X border however the global payments product organization counter offered for a EMEA bank product lead role in Berlin. I took the latter to gain international exposure. High level Summary below:1. Market research/Business case development – for the initiatives below, I first had to do perform research and put a case for the company to invest on this, prioritization in a large organization is tough and this one was challenging. 2. UK Faster payments launch for PayPal – Launched UKFPS for both funds in and funds out. UKFPS is instant transfer and works like a card txn where we have separate Auth/Capture layers and the settlement is completely a different offline layer. I am an industry expert in UKFPS, can provide people’s references and endorsements on this. 3. Partner management for UK FPS – RM for both Barclays and Vocalink (processing partner, now part of master card). The role includes pricing negotiations, volume projections, yearly audit completion, treasury (fund) management, legal, compliance management. 4. Multiple transaction expense savings initiatives – Example: UK’s card interchange fees were so high (now Durbin Amendment has put a cap of 21 cents) back then that we had to increase and cannibalize card volume with bank, launched couple of products 1) UKIB initiative which increased the bank funding incrementally by 10% gaining 5m$ in bottom line for year one. 2) Behavior based bank verification is another initiative which gave us 10m$5. Start of SEPA – SEPA initiative is a huge multi year program and I had a great opportunity to lead the whole program, first phase was to grandfather ~60M EU customers to IBAN ready, this tactical and technical project had 99% conversion rate which was a huge success. First 3 years of my time in Berlin were formative years in Europe, after which the growth was rapid.

1. Attended laborious Product management training for 6 months soon after joining PayPal2. Immediately was given a project to introduce bank top up integration partnering with DBS bank in Singapore, this product was instant hit as it was 0-1 product and we came up with 2 innovative solutions which was not prevalent in the market then. This acted as the base platform for all other top up products launched in PayPal further.3. India Cross border business ramp down – RBI wanted PayPal to shut down the PayPal Xborder business so I was asked to shut down seamlessly with less impact to merchants and consumers, this very difficult task was completed on September 20114. India Cross border Re-entry – While RBI asked us to shut down they partnered with PayPal and our sponsor bank Citibank to come up with OPGSP guideline which is acting as the base for all cross border fintech companies that emerged after 2011. I played the technical product manager lead for this whole initiative. I felt a sense of pride in this. 5. India Cross borer business re-launch – period where I learnt and contributed not only on technical product side but also on the treasury pieces, nostro/vostro settlements, reserves management6. Partner management – A skill and role which I carried forward from Goldman days, for 2, 3, 4, 5 I was the relationship manager for bank product with DBS, Citibank and RBI (through Citi)While the base location was Chennai I was constantly traveling to Singapore and Mumbai during these 2.5 years