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Sandeep is a Digital Transformation leader with over 20 Years of cross functional experience across BFSI and Smart Card Industry. He has worked in formulating and implementing digital strategy, product and service roadmaps for Fullerton India Credit Company and IIFL Finance Limited. He has extensive experience in digital Payments, Credit cards, Digital Banking across companies like Standard Chartered Bank and ICICI Bank. He has joined SHFL in July 2021 as Chief Digital Officer and has been spearheading the digitization and innovation at SHFL. Sandeep is an Engineer who did his MBA from FORE School of Management, New Delhi.