Ajay Bhat

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.