Ramakrishnan Gopalan
Senior Leader in Payments and Lending Industry; Leadership experience in multiple markets in APAC ;Building business as well as driving large scale transformation through digital and big data analytics
- Role
- Chief Product Officer, India and South Asia at Visa
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Ramakrishnan Gopalan
Business Leader with proven experience in lending including payments, BNPL (Buy Now Pay Later), new product development, portfolio building, digital journey optimization, credit operations activities in the Asia Pacific Retail Banking Industry. Has leadership experience for building and managing billion dollar balance sheets and P & Ls across 17 markets here in Asia Pacific including on-ground experience in India, Japan, Taiwan and Singapore. Built Digital lending propositions using Big Data Analytics and a \"Mobile First\" approach. Partnered with Digital Eco-systems (PayTM, HKTV, Coles etc) and built data driven customer journeys to acquire new customers as well as provide innovative payment and lending solutions My skills are understanding retail banking business models, solving customer pain points, growing them from ground up to significant scale during expansionary credit cycles and perform risk mitigation and manage them during recessionary credit cycles as well as business transformation through digitization and big data analytics.Specialties: Asset risk managementPayments Digital LendingDigital Marketing Building Product ProfitabilityRelationship ManagementCustomer Acquisition and Service
Experience
Chief Product Officer, India and South Asia
Mar 2022 — Present · Mumbai, IN
Drive Visa’s payment and money movement vision for the South Asia market Innovate with new solutions and capabilities that are custom built for the target segment Partner with clients - banks, merchants, fintechs as well as payment aggregators and enhance Visa’s relevance in the market
Education
Indian Institute of Technology (Banaras Hindu University), Varanasi
B. Tech, Mining Engineering
1995 — 1999
Indian Institute of Management, Lucknow
MBA, Finance & Operations
2000 — 2002
Padma Seshadri Bala Bhawan Chennai
12th Std, Science
1992 — 1995
Skills
- Risk Management
- Portfolio Management
- Mortgage Lending
- Payments
- Credit Analysis
- Operational Risk Management
- Loans
- Credit Cards
- Banking
- Credit
- Relationship Management
- Management
- Strategy
- Product Management
- Retail Banking
- Business Analysis
- Team Management
- Business Development
- Vendor Management
- Credit Risk
- Financial Services
- Business Strategy
- Financial Risk
- Mis
- Analytics
- Business Relationship Management
- Management Information Systems (Mis)
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