Emirates NBD
Ajay Bhat is an experienced professional in digital products and banking technology, currently serving as Head of Digital Products for API Banking Open Finance and Merchant Acquiring at Emirates NBD since July 2019. Previously, Ajay held notable positions at Deutsche Bank as Vice President in Credit Risk Management and at Oracle as Senior Manager of Product Development focusing on channel banking and digital transformation. With early career experience at J.P. Morgan as Associate Vice President in payments, Ajay has contributed to the design and implementation of payment platforms. Ajay's career inception includes roles at Oracle, Siemens Technology India, and ICICI Bank, demonstrating a solid foundation in software development and engineering. Ajay holds a Master’s degree in Computer Applications from Savitribai Phule Pune University.
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Emirates NBD
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Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion. At the bank, we serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.