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Harshal Chhotai is a seasoned professional with extensive experience in merchant acquisition and strategic partnerships. Currently serving as Director & Head – Merchant Acquisition and Strategic Partnerships at American Express since November 2016, Harshal leads merchant acquisition across all channels in India and has grown the acquiring footprint significantly. Prior roles include Director & Head - Strategic Partnerships and B2B Acquiring at American Express and Assistant Vice President - Merchant Acquiring at Citi India, where responsibility for mobile POS acquisition and B2B payment solutions was undertaken. Earlier experiences include managerial positions at HDFC Bank, Kobian Electronics, Barclays Bank, and ICICI Bank, demonstrating a strong track record in sales, client relationship management, and innovative payment solutions. Harshal holds an MBA in Finance from SVKM's Narsee Monjee Institute of Management Studies and a BSc in Chemistry from Mithibai College.