A RESULTS-DRIVEN business leader with a proven track record of delivering revenue growth, scaling businesses and executing high-value strategic initiatives across Retail Banking, Payments, Managed Services and Cash Management, including Cash-in-Transit (CIT) and Cash Logistics. I have led one of India’s largest integrated CIT & ATM Managed Services companies. I bring deep expertise in digital payments, the cards business and consumer lending, with a proven ability to drive strategic initiatives and optimize cross-functional collaboration within matrixed organizations, delivering impactful business outcomes. I have consistently driven revenue growth, operational efficiency and strategic transformation across India, APAC and the Middle East. With hands-on experience in P&L ownership, large-scale operations, digital innovation and M&A execution, I have delivered long-term value by scaling businesses, improving performance and enabling sustainable growth in highly regulated and competitive markets KEY CAREER ACHIEVEMENTS • Strategic M&A: Led the successful sale of Writer Safeguard – Cash Management to Hitachi Payments, ensuring a profitable exit that maximized stakeholder value and strengthened the company’s market positioning. Oversaw the end-to-end process from due diligence to closing, delivering a seamless integration aligned with both parties’ strategic goals. • Revenue Growth & Market Expansion – Drove 8x business growth at Writer Safeguard, with a CAGR of ~19%, expanding market presence across 1,400+ locations in India. • Start-up success – Founded and scaled a payment services startup within Writer Corporation, transforming it into a key revenue driver and strengthening the company’s industry positioning. • Regulatory & Industry Influence – Founded the Cash Logistics Association – India, collaborating with the Reserve Bank of India and government bodies to drive policy, industry recognition and regulatory frameworks. This led to RBI’s operating guidelines for cash management companies (April 2018) and security guidelines from the Ministry of Home Affairs (July 2018). • Digital & Product Innovation – Led the global launch of Citigroup’s first biometric ATM for financial inclusion, pioneering cutting-edge banking technology to expand customer access. With deep expertise in revenue growth market expansion and business transformation, I have successfully led high-impact sales and commercial initiatives that modernized operations, expanded customer engagement and unlocked new revenue streams. My track record includes driving multi-million-dollar P&L growth, scaling businesses and leading successful M&A transaction. With extensive experience in digital transformation, process optimization and change management, I have successfully implemented technology-driven strategies to enhance efficiency, improve customer experience and drive operational excellence. I have held senior leadership roles at Standard Chartered Bank, ANZ Grindlays, American Express, Citibank, Euronet Worldwide and Writer Corporation, where I have built and led high-performing sales teams, forged strategic partnerships and developed go-to-market strategies that accelerated growth. I excel at influencing Regulators, C-level executives, and industry leaders to drive market leadership, business expansion and competitive differentiation. My commercial acumen, deal-making ability and customer-centric approach, combined with a strong track record in digital innovation and operational efficiency, position me as a growth architect who delivers tangible business impact and long-term value creation.