Bhavna Saraf

Head of Payments Products & Propositions, Payments Centre of Excellence

Seasoned executive with deep expertise in financial services, covering Product Management, Sales, Innovation , Transformation, Strategy, Partnerships and Credit at Santander, Lloyds, Citi, HSBC and Rabobank. Incubated and scaled an internal start-up at Citi Ventures. Innovator at heart and a fintech product evangelist, with the purpose to deliver value and sustainable growth for customers and shareholders.

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