Gracy Makhija is a seasoned product consultant currently working at Emirates NBD since August 2025, with prior experience as Product Lead for RuPay Cards at the National Payments Corporation of India from May 2024 to August 2025, focusing on MSME and corporate business. Previously, Gracy served as AVP and Product Manager for Corporate and Purchase Credit Cards at YES BANK from September 2021 to May 2024, and held the position of Senior Product Manager for Corporate & Purchase Credit Cards at IndusInd Bank from April 2020 to September 2021. Earlier career experience includes working as a Product Manager for Credit Cards at ICICI Bank from October 2016 to April 2020. Gracy's expertise encompasses product design and development, customer portfolio management, stakeholder engagement, and inventory management, with a strong academic background including a PGDM in Banking from Manipal Academy of Higher Education and a Bachelor of Commerce from Mahatma Gandhi Kashi Vidyapeeth.
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