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Narayan A. Kulkarni has a diverse work experience in various roles and companies. Narayan A. began their career at Myntra in 2012 as a Support Executive and later became a Case Manager. In 2014, they joined Infibeam.com as a Senior Support Executive, where they handled queries related to the Lifestyle Category, particularly Kitchenware and Instant Delivery. In 2015, they joined Ola as a Senior Support Executive, where they managed partner support services and worked on cybersecurity and fraud prevention. At Cashfree Payments, they held multiple roles, including Operations Lead, Senior Associate-Growth, and Assistant Manager-Growth and Partnerships. Currently, they are working as an Account Manager at Phi Commerce Private Limited.

Narayan A. Kulkarni completed their education in a chronological manner. In 2006 and 2007, they attended Acharya Sri Mahapragya High School and obtained their Standard X degree. Following that, from 2007 to 2009, they attended MES PU College of Arts, Commerce and Science, where they pursued a PreUniversity Board degree in Liberal Arts and Sciences, General Studies, and Humanities. In 2009, they enrolled in MES Degree College of Arts Commerce & Science and completed their Bachelor of Arts (BA) degree in Journalism, English, and Psychology in 2012.

In 2018, Narayan A. Kulkarni joined the Jagdish Sheth School of Management, where they pursued a Master of Business Administration (MBA) degree with a specialization in Finance. Narayan A. completed their MBA program in 2020.

Beyond their formal education, Narayan A. Kulkarni also obtained additional certifications. In June 2020, they acquired the PCI (Payment Card) Standards for Corporate Professionals certification from Udemy. In October 2019, they earned the Anti Money Laundering & Countering of Terrorist Financing certification, also from Udemy.