Arnab Ghosh

VC-backed credit-led neobank that aims to make payments intelligent, effortless and credit empowering for consumers in emerging Southeast Asia. We are powered by Visa and trusted by global Silicon Valley investors including 500 Global and GSR Ventures.

Leads consulting & advisory services for clients across South Asia through leadership of practice lines including strategy, digital, AI, risk and portfolio optimization

Senior leadership team in Vietnam driving transformation and impact in financial services (banking, consumer finance, payment, insurance) and real estate practices in SEA Drive engagement and thought leadership in corporate strategy, governance, growth transformation, digital transformation, GTM strategy across retail banking, corporate banking, SME / wholesale banking, digital banking and payments

Rebuilt the business grounds-up with launch of new products, segments and journeys driving 5X balance sheet growth during tenure

Member of Executive Board and Chairman of Sales and Marketing Committee Drove 52% growth in portfolio, 51% growth in new volume and 75% increase in brand awareness in 2017 to achieve a gross portfolio of over USD 800 Million making 2017 the most profitable year for Home Credit in Vietnam Led Marketing, Product Development and Strategy division with ownership of all products across segments including loans, credit cards, insurance, deposits and digital products including oversight of digital transformation Spearheaded launch of new segments and products including the Home Credit’s first credit card business (an Asia-first initiative), education loan, ALDI, CLW, the company’s first mobile app and digital transformation achieving a 70% improvement in Time to Approve (TTA)

Rebuilt from ground-up the most valued credit card business in Vietnam and was responsible for a portfolio of over 1.3 Million cards, POS acquiring business and the bank’s consumer loans business Driven Payments Innovation through the marriage of loans/cards, digital and mobile money across multiple projects covering risks/operations as well Recognized and awarded on several counts with industry’s top honours

Envisioned the Payments Business strategy and setup Card Centre for the bank including Debit Cards, Credit Cards, Acquiring, ATMs and Strategic Alliances leading to a compounded annual growth of over 90% in incremental cards sales, 350% in usage and 210% in net revenues in 2014 Identified and onboarded by McKinsey & Company as part of their bank transformation project and worked closely with them to execute strategy as core member of Bank Transformation team Built the cards business for the bank from the ground up including go-to— market strategy, product & proposition, operations process, key partnerships, risk management, application appraisal & approval process etc.

Driven strategy & business initiatives for a category of credit cards as part of the Product and Marketing team Managed end-to-end product lifecycle and P&L ownership for a range of credit card products