T.R. Ramachandran is Visa’s Group Country Manager for India and South Asia. He is responsible for all strategy development and business operations of Visa in India, Sri Lanka, Bangladesh, Nepal, Maldives and Bhutan.
Ram is also focused on driving the company’s innovation strategy which includes growing eCommerce, mobile payments, deepening the acceptance footprint, and building an electronic payments ecosystem which is secure and reliable. He will be instrumental in enhancing cashless payments and supporting financial inclusion in the region. He brings a wealth of knowledge to Visa with more than 25 years’ experience across retail banking, payment products, wealth management and insurance.
Prior to joining Visa, Ram was the Managing Director of Aviva Life Insurance in India for six years, over which time he contributed to significant organizational change which resulted in overall company growth. Before that he was with Citibank, N.A, for 19 years, serving as the Country Head of Cards and Head of Retail Banking, India. During his time there he held positions in marketing, product management, mortgages and business banking, and was part of the start-up team that launched consumer banking products.
Ram has a MBA from the Bharathidasan Institute of Management and is an alumnus of the CSEP Management Program from Columbia Business School, New York. He is an avid reader, volunteer and golfer.