Group Country Manager, India & South Asia, Visa
Current Position and Responsibilities
T. R. Ramachandran (Ram) is Visa’s Group Country Manager for India and South Asia. He is responsible for the overall management and strategy development and execution across all aspects of Visa’s South Asia business
in India, Sri Lanka, Bangladesh, Nepal, Maldives and Bhutan.
Ram is focused on driving the company’s growth and innovation strategy
which includes growing e-commerce and m-commerce payments, growing
the acceptance footprint for electronic payments, building out and scaling a payments ecosystem which is secure and reliable, and creating and developing a roadmap towards a less cash society and financial inclusion.
Ram brings a wealth of knowledge to his role, with more than 25 years of
experience across banking, Cards & payment products, investments & insurance and Fintech across Asian markets.
Prior to joining Visa in 2015, Ram was the MD & CEO of Aviva Life Insurance
in India, and Chairman of Aviva Sri Lanka for six years over which time he
contributed to building their India strategy, turned the company to profitability and launched India’s first suite of digital and online insurance
Before that Ram was with Citibank for close to 20 years, last serving as the
Country Head for Retail Banking. During his time there, he has held diverse
positions with increasing responsibility, including in Business Development,
Consumer Finance, Marketing, Product Management, as Head of Mortgages
& Business Banking, and Head of Credit Cards & Payment Products.
Ram has an MBA from the Bharatidasan Institute of Management, and is an
alumnus of Columbia Business School’s CSEP Advanced Management
Program. He is a regular contributor to magazines and newspapers in the
areas of Fintech, Innovation and Leadership, a guest lecturer at several B-
schools, and participates as a speaker and panelist in many industry and
public forums. In his spare time, Ram is a mentor and advisor to several start-
ups and Fintechs, an avid reader and a keen golfer.