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T.R. Ramachandran has extensive experience in the financial services industry, currently serving as Senior Vice President and Head of Products & Solutions for Asia Pacific at Visa since January 2015. Ramachandran has held prominent positions such as Senior Vice President & Head of New Payment Flows and Group Country Manager for India & South Asia during the tenure at Visa. Prior to Visa, Ramachandran was the MD & CEO at Aviva from 2008 to 2014 and held various senior roles at Citibank in India from 1989 to 2008, including Retail Bank Head and Country Head for Cards & Payment Products. Ramachandran’s educational background includes an MBA from Bharathidasan Institute of Management, a Senior Executive Advanced Management program from Columbia Business School, and a Bachelor of Commerce from MES College, Bangalore University.