SBI Card Executive and Leadership Team

Saurav Ghosh, the Chief Operating Officer at SBI Card, directs all internal business processes and service delivery frameworks. Overseeing the operational efficiency of the credit card lifecycle, the Chief Operating Officer ensures seamless transaction processing across the entire Indian market. This leadership role involves optimizing backend workflows to support millions of active cardholders while maintaining strict compliance with financial regulations. By streamlining service delivery, Saurav Ghosh directly impacts the scalability of the company's diverse product portfolio, including flagship offerings like SimplySave and SimplyClick. Ghosh manages cross-functional teams to enhance customer satisfaction through improved turnaround times and robust support systems. Through the implementation of advanced operational metrics, the Chief Operating Officer drives consistent performance improvements, ensuring that the organization remains a leader in the competitive non-banking financial sector while supporting long-term institutional growth and operational excellence.

Pradeep Khurana, the Executive Vice President & Chief Information Officer & Chief Digital Officer at SBI Card, architects the technological foundation for all digital payment solutions. Overseeing the integration of EMV-compliant platforms, the Executive Vice President & Chief Information Officer & Chief Digital Officer ensures the security and reliability of digital transactions across the national network. This leadership role involves driving the digital transformation agenda to enhance user engagement through mobile applications and online portals. By modernizing the IT infrastructure, Pradeep Khurana directly supports the company's mission to provide seamless, secure payment experiences for individual and corporate clients. Khurana manages the deployment of cutting-edge cybersecurity measures to protect sensitive financial data. Through the strategic application of emerging technologies, the Executive Vice President & Chief Information Officer & Chief Digital Officer maintains the company's competitive edge in the rapidly evolving digital finance landscape, ensuring robust system uptime and innovation.

Kk Bishnoi, the Executive Vice President & Chief Risk Officer & Chief Revenue Officer at SBI Card, manages the balance between aggressive revenue generation and prudent risk mitigation. Overseeing the credit underwriting standards and portfolio quality, the Executive Vice President & Chief Risk Officer & Chief Revenue Officer ensures sustainable financial growth across the Indian consumer base. This leadership role involves designing revenue-maximizing strategies while maintaining strict adherence to risk management protocols for all credit products. By analyzing market trends and borrower behavior, Kk Bishnoi directly influences the profitability of the company's diverse card offerings. Bishnoi collaborates with the board to align financial targets with the company's risk appetite, ensuring long-term stability. Through the rigorous monitoring of credit exposure, the Executive Vice President & Chief Risk Officer & Chief Revenue Officer secures the financial health of the organization, driving consistent revenue streams while minimizing potential losses in a dynamic economic environment.

Girish Budhiraja, the Chief Sales & Marketing Officer at SBI Card, drives the acquisition strategy and brand positioning across the Indian market. Overseeing the expansion of the customer base, the Chief Sales & Marketing Officer ensures the effective promotion of lifestyle, rewards, and cashback credit products to target demographics. This leadership role involves crafting comprehensive marketing campaigns that highlight the value proposition of flagship cards like Prime and Elite. By leveraging data-driven insights, Girish Budhiraja directly impacts market penetration and brand loyalty among individual and corporate clients. Budhiraja manages partnerships with retail and banking entities to broaden the reach of the company's payment solutions. Through the execution of strategic sales initiatives, the Chief Sales & Marketing Officer fosters significant growth in card issuance, ensuring that the company maintains its status as a premier credit card issuer while continuously capturing new market opportunities across diverse regional segments.