● Subject matter expert for the CBG portfolio and primary contact for the client relationships in Europe, Middle East, Africa, South & SE Asia ● Driving and leading integrated go-to-market strategies for a portfolio of e-commerce & payments solutions, activating them across the right channel mix. ● Negotiated and created a collaborative platform with ACI Worldwide Inc. with two work streams – Omni-commerce (with integrated revenue optimizer and fraud management) and payment orchestration ● Negotiation with payment acquiring partners for EU and South Africa, including ISO and Payfac agreements in South Africa ● Developed and implemented the master launch plan for South Africa with plug-and-play for e-commerce and cloud deployment for SoftPOS & MPOS payment solutions ● Proactive project portfolio management and team/partner communications

● Project & Finance Structuring ● Growth of International Financial and Industrial Project Partnerships ● Industry Focus: Fintech, Smart cities, Renewable Energy, Pharmaceuticals, Agritech ● Geographical focus: India, Middle East

● Leading digital transformation of subsidiary bank retail business ● Digital retail bank project leader: developed strategy, budget, operating and business model ● Re-designed end-to-end processes, improved internal and external UX, product design and commercial features, simplified product range ● Created business and project roadmaps for MVP and credit engine beta and prod rollout ● Designed retail & SME customer journeys and MVP, engaged with Visa (payment system), fintech and vendors in sprints and co-creation sessions ● Launched MVP1 in Feb 2020

● Coaching the founder and team international go-to-market strategy and business modelling ● Co-creating marketing communications (targeting, partners, content & channels)

Regulatory, competitive, operational and financial analysis of Cyberplat India payment solutions business Development of business work stream restructuring, re-investment and exit options

- Completed integrations with national and global payments, capital markets and foreign exchange platforms - Built internal controls (risk management, compliance), credit, accounting, reporting systems - Achieved 100% liabilities (funding) self-sufficiency - Launched SME banking business model - Increased pre-tax profit from -22 million to 161 million - Reduced cost/income ratio from 119% to 42% - Built local correspondent network of 24 Indian and 7 foreign FIs (total group limits of $1.3bn) Transaction banking: launched ruble-rupee FX/payment, clearing, trade finance gateway for EU/CIS banks and group corporate customers - Achieved 20% Net Fee Income/Net Income ratio - Digital banking: created a wallet-based consumer e-lending and collection product in collaboration with a local third-party NBFI

- Improved profitability (2009 ROE of 12.4% vs. 3% market average), maintaining high liquidity ratio level (35% of total liabilities) - Conducted full-scale business transformation: changed strategy and business model, de-risked balance sheet, downsized physical footprint and increased online - Migrated to new core banking system, launched online banking, - Became the first ICICI Group subsidiary ever to pay dividends and re-pay Tier II capital

- Led the Wholesale Banking Group (Treasury, Corporate Banking, Financial Institutions, Custody) - Recruited core talent - Successfully raised external borrowings from global FIs (EBRD, DBS, BLB, etc.) - Scaled up the bank from $1m to $800m in assets in less than three years - Played a key role in setting up of the ICICI group Syndicated Loan desk in the UK/Singapore - Originated the first MLA mandate in ICICI Bank history - Ensured superior quality of the syndication book for the subsidiary – no losses in the FI book as a result of liquidity and insolvency crises (peak exposure - $ 350m) - Led the bank into the Top-10 mortgage lenders in Russia in one year