Dheeraj brings more than 20 years of experience in Consumer and Commercial banking industry, spanning Standard Chartered, ABN AMRO, Royal Bank of Scotland, ANZ Bank and American Express. He has deep exposure to engagements across Asset, Liabilities and Wealth products in the front, middle and back office functions (Sales, Go-To-Market, Business Development, Product Marketing, Pricing, Decision & Risk Management, Operations, Strategy Planning & Digital Operations). 

He has been a business manager for large operations across Asia in the Payments and Lending space covering products categories like Consumer / Commercial cards, Supply Chain solutions, Secured and Unsecured lending. Dheeraj was the Asia Head for Consumer Cards & Lending for RBS covering 6 countries. He has also spent 7 years as Head of Commercial Cards for American Express in ASEAN where he managed enterprise business across geographies. In these roles, Dheeraj has run with mandates to draw transformation roadmaps and drive the business journeys across all facets; target operating model, customer experience, risk management, governance, standardization and sustained change. 

He was CEO of a P2P digital lending SME platform and he led the digital strategy development, execution and enablement to remain agile and nimble and deliver a digital customer journey. He led the Digital banking application process in Singapore .

Presently he drives the BNPL and Store Value business for Pine Labs and its subsiadary Qwikcilver.