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 issuance lifecycle, the Chief Operating Officer ensures that EMV-compliant platforms function without interruption for millions of cardholders. Ghosh manages the integration of backend systems to support diverse product categories like SimplySave and SimplyClick. By optimizing workflows across the Gurgaon headquarters, the Chief Operating Officer maintains high standards for transaction processing and customer service responsiveness. Saurav Ghosh drives the scalability of these operations to accommodate rapid growth in the Indian financial sector. Through rigorous oversight of daily service metrics, the Chief Operating Officer guarantees that the company meets stringent regulatory requirements while providing reliable payment solutions to individual consumers and corporate clients across the entire national footprint.

Pradeep Khurana, the Executive Vice President & Chief Information Officer & Chief Digital Officer at SBI Card, architects the digital transformation strategy and technological infrastructure. Managing the evolution of digital payment modes, the Executive Vice President & Chief Information Officer & Chief Digital Officer secures the integrity of all virtual card platforms and online banking interfaces. Khurana leads the implementation of advanced cybersecurity protocols to protect sensitive financial data across the company's expansive network. By integrating cutting-edge software solutions, the Executive Vice President & Chief Information Officer & Chief Digital Officer enhances the user experience for mobile and web-based card management. Pradeep Khurana drives the adoption of emerging financial technologies to maintain a competitive edge in the credit card industry. This leadership role involves constant collaboration with technical teams to ensure that digital assets remain robust, scalable, and fully aligned with the evolving needs of modern Indian consumers.

Kk Bishnoi, the Executive Vice President & Chief Risk Officer & Chief Revenue Officer at SBI Card, balances the pursuit of aggressive revenue growth with the maintenance of a conservative risk profile. Overseeing the credit underwriting standards for the entire portfolio, the Executive Vice President & Chief Risk Officer & Chief Revenue Officer ensures that lending practices remain sustainable and profitable. Bishnoi manages the strategic expansion of revenue streams through targeted product offerings like Elite and Prime cards. By analyzing market trends and default patterns, the Executive Vice President & Chief Risk Officer & Chief Revenue Officer mitigates financial exposure while maximizing yield from the existing customer base. Kk Bishnoi drives the alignment of sales targets with risk appetite to ensure long-term financial stability. This dual-focused leadership role requires constant monitoring of economic indicators to protect the company's balance sheet while simultaneously capturing new market share in the competitive credit card landscape.

Girish Budhiraja, the Chief Sales & Marketing Officer at SBI Card, directs the brand positioning and customer acquisition strategies across India. Overseeing the promotion of flagship products like SimplyClick and SimplySave, the Chief Sales & Marketing Officer ensures that marketing campaigns resonate with diverse lifestyle and banking partnership segments. Budhiraja manages the sales force to drive penetration in both individual and corporate client markets. By leveraging data-driven insights, the Chief Sales & Marketing Officer optimizes promotional spend to increase card usage and brand loyalty. Girish Budhiraja drives the development of innovative reward and cashback programs that differentiate the company from other financial institutions. This leadership role involves coordinating with regional teams to ensure that sales initiatives effectively reach target demographics. Through consistent brand messaging and strategic partnerships, the Chief Sales & Marketing Officer secures the company's position as a leading credit card issuer in the national market.

Vaishnavi Pisal, the Salas at SBI Card, manages the execution of specialized sales initiatives and client relationship management. Overseeing the direct engagement strategies for corporate clients, the Salas ensures that utility and travel card solutions meet the specific requirements of business partners. Pisal coordinates with internal departments to tailor product offerings that enhance the value proposition for high-net-worth individuals and corporate entities. By focusing on relationship-based sales, the Salas drives the adoption of premium card products across the national market. Vaishnavi Pisal manages the pipeline of new business opportunities to support the company's overall revenue objectives. This leadership role involves identifying emerging market needs and translating those insights into actionable sales strategies. Through persistent focus on client satisfaction and service delivery, the Salas strengthens the company's reputation as a trusted provider of financial products and corporate payment solutions within the competitive Indian credit card sector.

Sarath Sasidharan, the Regional Executive at SBI Card, directs the operational and sales activities across specific geographic territories to ensure consistent market penetration. Overseeing the implementation of corporate strategies at the regional level, the Regional Executive ensures that local market nuances are addressed in the delivery of credit card products. Sasidharan manages the coordination between regional teams and the Gurgaon headquarters to maintain operational alignment. By monitoring regional performance metrics, the Regional Executive identifies opportunities for growth and addresses localized challenges in card adoption. Sarath Sasidharan drives the expansion of the company's footprint by fostering strong relationships with local banking partners and retail networks. This leadership role involves managing the deployment of resources to maximize efficiency and service quality within the assigned territory. Through active oversight of regional operations, the Regional Executive contributes to the company's broader mission of providing accessible and reliable credit solutions to millions of cardholders across India.