Strategic Digital Banking Leader with over 15 years of progressive experience in driving business growth across payments, digital finance, Fintech, telecoms, and customer experience. A Harvard, Tufts, and DFI Certified Digital Finance and Fintech Practitioner, known for blending deep industry insight with practical execution to deliver innovative digital solutions. Proven track record in channel strategy, product development, ecosystem partnerships, and commercial leadership. Adept at steering cross-functional teams, optimizing customer journeys, and delivering digital transformation initiatives that enhance service delivery, boost adoption, and generate sustainable revenue growth.