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T.R. Ramachandran

T.R. Ramachandran
Group Country Manager India & South Asia

T.R. Ramachandran

Ram is the Group Country Manager for India & South Asia , at Visa, the global leader in Payments. In this capacity, he is responsible for Visa’s franchise and P&L and all of Visa’s activities in these countries including Business Strategy ,Product development and commercialisation, Sales & Business Development and relationships with financial institutions, Fintechs, Merchants, Governments and other Payments ecosystem participants. He is also a member of the Visa Asia-Pacific Leadership Committee.

Prior to Visa, Ram has close to 25 years of senior work experience across Retail banking, Consumer lending, Insurance , Payments,and Fintech.

From starting up business lines in the early days of consumer banking in India to developing strategic plans for business growth , rapid scaling ,market expansion, new product development ,commercialization and running businesses across credit and economic cycles, Ram has had a wide range of experiences, and has a proven track record of building high quality franchises.

Ram is a strong believer in the power of diverse and inclusive teams, that people make the biggest difference , and is known for developing and grooming a strong bench of leaders, many of whom are in CXO roles today.

He is a frequent speaker at industry events, a guest lecturer at B Schools covering Strategy and Financial Services, a regular columnist in offline and online publications and an active mentor to the Fintech start-up community in India.

Ram is a advisory board member of USIBC, a governing council member of IAMAI and a member of CII’s taskforce on Fintech.