Bhavna Saraf

Head of Payments Products & Propositions Santander

Seasoned executive with deep expertise in financial services, covering Product Management, Sales, Innovation , Transformation, Strategy, Partnerships and Credit at Santander, Lloyds, Citi, HSBC and Rabobank. Incubated an internal start-up at Citi Ventures. Innovator at heart and a fintech product evangelist, with the purpose to deliver sustainable growth.