About Bhavna Saraf

Bhavna Saraf, with over 20 years in Transaction Banking, covering Product Management, Innovation, Transformation, Strategy, Partnerships, Sales, and Credit at Lloyds, Citi, HSBC, and Rabobank, she is a recognised expert in Working Capital and Payments solutions. As an intrapreneur (internal start-up founder) and digital transformation champion, she re-imagines end-to-end digital user journeys for core banking products. She has worked with clients ranging from small businesses and mid-market companies to multi-billion-dollar global franchises across various industry sectors, including the public sector, developing successful multi-million-dollar banking propositions. Additionally, she has served as a Senior Credit Officer with underwriting initials. Currently, she serves as Chair of the SWIFT UK Trade Advisory Group and provides advisory services to start-ups. An innovator at heart with a purpose to deliver progress, she loves building businesses, whether from zero to one or scaling them to the next level. As a digital evangelist, she is passionate about finding better, frictionless, and sustainable outcomes for clients that also deliver shareholder value, using technology as an enabler. Bhavna Saraf successfully incubated a start-up at Citi Ventures that progressed to Seed 2 funding. An innovator by nature, she is deeply passionate about building and scaling businesses.