Divyank Rastogi

About Divyank Rastogi

A Business and transformation leader with 10+ years of experience enabling enterprise growth, market expansion, and large-scale change across banking, fintech, and payments ecosystems.At Mastercard, I work closely with leadership teams and ecosystem partners to shape how financial platforms are built, scaled, and adopted. From leading the first-ever Payments Passkey & Wallet-as-a-Service implementation in India to championing AI-driven automation that improves customer success and speeds up go-to-market, I’m passionate about connecting innovation with impact.My experience sits at the intersection of business transformation and emerging technology, where capabilities such as AI, tokenization, automation, and platform integration are applied to unlock growth, improve operating models, and deliver measurable value.Over the years, I have partnered with 25+ banks and fintechs, led 60+ cross-functional initiatives across international markets, and supported leadership teams on market entry, scaling, and execution priorities. I have been recognised multiple times for execution excellence, leadership impact, and innovation.When I’m not architecting the next payments innovation, you’ll likely find me learning something new about AI-driven business solutions or mentoring upcoming fintech professionals on how to merge strategy with tech.I believe the next decade of finance services will belong to those who can bridge human insight + machine intelligence — and that’s exactly where I love to work.Let’s connect if you’re exploring the future of digital payments, banking & financial services, fintech partnerships, or AI-driven growth.

Experience

1. Strategy & Operations

   Mastercard

   Jun 2020 — Present · Gurugram, IN

   Driving strategic planning and delivering data-driven insights to clients’ leadership while leading 60+ high-impact project implementations across South Asia. Partnering with CXOs, fintechs, and regulatory bodies to accelerate digital transformation, enhance payment ecosystems, and deliver measurable growth outcomes.Key Highlights:Strategic Leadership: Advised 20+ banks and fintech partners on market entry, growth strategies, cost optimization, and operational transformation — enabling a 35% average efficiency improvement across engagements.Digital Adoption: Leading Mastercard’s next-gen digital adoption initiatives, spearheading the rollout of innovative payment technologies such as Passkeys, Wallet-as-a-Service (WaaS), Tokenization, and Contactless Solutions, driving 4× faster transactions and 25% higher approval rates.Innovation Leadership: Directed the launch of 2 global-first digital payment solutions in India, positioning Mastercard as a pioneer in the evolving fintech landscape.Market Growth: Designed and executed market expansion strategies that improved card issuance and acceptance penetration, resulting in significant YoY growth in GDV across key partner portfolios.Payment Acceptance: Led initiatives to drive payment acceptance growth, optimize transaction processing, and streamline merchant onboarding — increasing acquiring partnerships and reducing transaction declines by 30%.Operational Excellence: Championed business process improvement programs leveraging automation and AI tools, achieving 20% faster GTM timelines and boosting customer success KPIs by 30%.

Education

• Indian Institute of Management, Lucknow

  Master of Business Administration - MBA, Business Administration and Management, General

• Jaypee University of Information Technology Solan

  Btech, Civil Engineering