Sudipta Roy, Group Head – Unsecured Assets at ICICI Bank is a consumer banking and payments professional with over 20 years of experience in Asia. He is well versed in consumer finance & credit/debit/prepaid cards products, portfolio & sales management including a deep understanding of consumer risk, allied risk management processes, fraud control & collections. Additional competencies include in-depth understanding of payments systems with specific focus on transit systems and cards technology and operations systems having designed and customized a core cards system from scratch during a green field launch process. He has worked extensively in India & China in the consumer payments business, having built green-field cards businesses in two countries.   Before his current assignment with ICICI Bank since 2010, he has worked for Citibank & Deutsche Bank. 

He was the recipient of Deutsche Bank’s Global Innovation Award in Consumer Finance in 2010. Under his guidance, ICICI Bank’s transit payments implementations on Credit & Debit Cards for Delhi, Mumbai, Bangalore Metro’s won MasterCard’s Best Technology Innovation Award for Asia Pacific in 2015. 

He is a speaker at various forums on History of Payments, Risk & Fraud Control and Future of Payments business. 

He has been part of several Government & Reserve Bank of India payments committees.

He is a Director on the boards of ICICI Merchant Services – First Data, Indian Highway Management Company Limited and Payback India Limited.

He is a chemical engineer from Indian Institute of Technology, Kharagpur and holds an MBA from XLRI School of Management, Jamshedpur. 

Ramgopal has more than 26 years of experience in Software Product Development, he started his career as engineer and has transformed over a period of time to be a business leader, he is currently playing the role of COO at Perfios. He has built world-class data aggregation and analytical products that are today used by more than 270 financial institutions across 17 countries. Perfios is preferred NBFC-AA technology partners for the Banks, NBFC, Lending Fintech & WealthTech and has already implemented the same for 15+ financial institutions. He is a leading expert in the field of Digital Lending platforms and has been actively involved in some RBI's policy papers and is also a visiting faculty at NIBM and Digital Fifth.

•CEO of India’s largest Fintech Consulting Firm

•Leads amongst the largest Fintech & Open Banking organization in the world with 4000 plus professional trained till date

•Digital futurist focused on bringing synergies across Banks, NBFCs, Fintechs and Software providers.

•Consultant to many Financial Institutions and Fintechs, helps them in establishing their digital strategy in alignment with business strategy. 

•Before starting his entrepreneurial journey, he was the Chief Technology Officer at DCB Bank. He was responsible for driving innovation and technology transformation across Digital Business, Core platform and Infrastructure.

•Won multiple awards for Best CIO and Innovation including for Industry’s First Aadhaar Based ATM.

•MBA degree from XLRI and B Tech degree from IIT BHU. 

Shivashish Chatterjee is the Co-Founder of DMI Group where he is the driving force behind the group’s vision and strategy.

A 25-year veteran of international financial markets, Shiv brings a wealth of experience in Global Fixed-Income trading and analytics that complements and informs DMI’s activities. Shiv spent the vast majority of his Wall Street days at Salomon Brothers, a storied fixed-income powerhouse that was eventually acquired by Citigroup Inc. One of the youngest-ever Managing Directors at Salomon Brothers and Citigroup Inc., Shiv held a wide variety of positions spanning core research in interest rate and prepayment modeling to trading a range of interest rate derivatives and mortgage-backed securities. He became Co-Head of all securitized products trading in North America in 2004 before leaving in 2008 to start DMI.

He graduated from Harvard University in 1995 with a Bachelor of Arts degree, Magna Cum Laude in Applied Mathematics. He is very active in Harvard alumni activities in NY City including serving on the Schools Committee for the Greater NYC area. Shiv is very passionate about technology and is an active angel investor in technology startups.

Munish is the co-founder of Finvu and comes with 20 years of industry experience in Banking technology having worked with global banks such as HSBC, Barclays in India, UK and US. During his stint with HSBC and Barclays he was responsible for leading global technology projects in areas of Transaction Banking and Corporate Banking with a focus and expertise in SWIFT Payments. Earlier in his career Munish has also worked with product startups in the US.