GAURAV MALHOTRA

• Lead U.S. Payments & FinTech topic, managing a 3-analyst bench and driving client impact, commercial growth, and IP development across credit cards, wallets, B2B & consumer payments. • Delivered 3+ growth strategy engagements across Instant Payments & Pay-by-Bank (TAM ~$3T), prioritizing high-value use cases and aligning GTM strategies with senior executives. • Drove IP commercialization by developing two U.S. consumer card issuer performance reports.

• Directed and executed customer retention strategy for Prime Video Payments across US, Brazil, Australia, conducting 3 A/B tests and reducing customer churn by 16 basis points. • Created H1 2026 subscription payments strategy to reduce customer churn (-12bps) by addressing enrollment, renewals, and wallet health, increasing card on file and keeping payments current. • Led diagnostics on subscription chargeback process across 16 regions, saving +$4M in annual costs.

• Led strategy & execution of all digital ecommerce initiatives, managing ~$10B in B2B money transfers. • Launched instant loan disbursement over real time payment rails, unlocking $15M in potential revenues. • Executed operational excellence in proprietary payment platforms within first three months of joining, resulting in annual cost savings of ~$10M. Received recognition from COO. • Conducted market research & identified a $20M business opportunity in ‘card payment acceptance’ and successfully partnered with leading fintech on its commercialization. • Expertly negotiated 10+ vendor contracts, optimizing business terms & saving $2M in annual costs. • Implemented data-driven process improvements in consumer loan repayments, resulting in 12% increase in enrollments in autopay and 0.5% reduction in delinquency rates.

• Managed a portfolio of 4 million Citi credit cards in Google & Apple Pay, achieving 35% growth YoY. • Enhanced customer onboarding experience in Apple Pay wallet by streamlining omnichannel marketing strategy & emails, increasing active usage by ~20% and customer penetration by ~25% • Launched ‘Citi Pay’ app - Citibank’s proprietary tokenized digital wallet, onboarding 100K+ customers and handling annual ecommerce of $100M. • Launched domestic Fedwire payments in Citi mobile app, achieving 300K transactions/month. • Partnered with Mastercard and launched a tokenized card management portal in Citi mobile app, resulting in 200K customer visits/month, 8% uplift in card spend & driving top of wallet behavior.

• Collaborated with CEO to define firm’s vision and long-term strategy while revamping online marketplace providing data on clean energy, increasing customer traffic by 140%.

• Designed and implemented architectural upgrades to equities trading platform for traders in Tokyo Stock Exchange, increasing trade booking capacity by 300% to book 0.5 million trades/day.