Arjun Agrawal
Director Product @ Mastercard - South Asia | Digital Payments | Payment Economics | Open Banking | M&A | Credit Card | Cobrand | Lending | Wallet | Tokenization | Published Author | Prev @ SBI Card, Yes Bank, Deloitte
- Role
- Director & Head, Digital Solutions - South Asia at Mastercard
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Arjun Agrawal
Visionary product leader with over 11+ years of experience shaping and scaling digital payment solutions across cards, wallets, account-based flows, tokenization, and open banking. Demonstrated success in driving 0-to-1 product innovation, accelerating platform adoption, and delivering measurable business impact across India and South Asia. Spearheaded the end-to-end launch of 10+ credit cards (core, co-brand, and transit) and led the rollout of tokenized payment experiences with India’s top e-commerce, fintech, and aggregator platforms. A trusted partner to 50+ issuers, telcos, and fintechs, enabling next-gen mobile and online payment flows through deep ecosystem engagement and customer-centric design. Recognized for combining strategic thinking with executional excellence — expert in cross-functional leadership, regulatory navigation (including RBI compliances), and building scalable products that unlock value across the ecosystem.Marketing | Strategy | Product Management | Digital | Payments | Credit Cards | Digital | Tokenization | Amazon Pay | Samsung Pay | Bharat QR | Jio Pay | Google Pay | Wearables | Alexa Skill | CoFT | Device Tokenization | Card on File Tokenization | Lending | Personal Loans | Ecommerce | Checkout | Wallet | Prepaid | Credit | Debit | India | South Asia | Sri Lanka | Maldives | Nepal | Bangladesh | Bhutan
Experience
Director & Head, Digital Solutions - South Asia
Mar 2025 — Present · Gurugram, IN
I lead Mastercard’s digital payment solutions strategy across India & South Asia, driving innovation in online checkout, tokenization, wallets and open banking. My role blends product leadership with ecosystem engagement, enabling secure, seamless and scalable digital commerce experiences.+ Key Impact Areas• Digital Checkout & Tokenization: Scaled Mastercard’s Checkout & Tokenization platform in India to tokens and XXM+ monthly transactions, ensuring $XB+ in secure monthly online payments. Delivered 100% RBI compliance for merchant partners and uplifted payment success rates with robust analytics.• Frictionless User Experiences: Introduced CVC-less checkout covering ~XX% of CNP volumes and led biometric authentication rollouts (Passkey) for password-less, FIDO-compliant flows.• Wallets & Device Tokenization: Drove launches with Apple Pay, PhonePe, Amazon Pay, CRED, Jio Wallet and scaled adoption across Google Pay, Samsung Pay, Paytm—enabling XXM+ active cardholders with XM+ monthly tap & wallet transactions.• Wallet Monetization: Pioneered Mastercard’s first global wallet monetization initiative via the Wallet Express Program, unlocking a $XXM+ 5-year revenue opportunity and new issuer economics in a UPI-heavy market.• Open Banking & Innovation: Spearheaded Mastercard’s exploration of India’s Account Aggregator ecosystem, identifying partnerships, conducting due diligence, and shaping future strategy and M&A opportunities.• South Asia Expansion: Drove digital payments adoption in Sri Lanka, Bangladesh, Nepal, and Maldives with initiatives like Google Pay Tap & Pay launches, Pay by Account pilots, and tokenization enablement.
Education
Xavier Institute of Management(XIM Bhubaneswar)
Master of Business Administration - MBA, Business Administration and Management, General
2013 — 2015
NEOMA Business School
Student Exchange Program, Brand and Marketing Courses
2014 — 2014
Birla Institute of Technology, Mesra
Bachelor of Engineering - BE, Computer Science
2007 — 2011
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