He has over 2 decades of experience in the banking industry. Prior to joining NPCI, he has spent over 14 years in HDFC Bank, managing the Risk and Fraud control for the payments business. Earlier he has worked with HSBC for 8+ years. In his stint with HSBC, he has handled various roles in Retail banking, Branch banking and Back office functions. Vishy as he is affectionately called, is a Graduate in Physics, Mathematics & Electronics from Bangalore University. He has also done his Executive Management Development Programme from IIMA