Gracy Makhija

Gracy Makhija is an experienced product lead currently working at the National Payments Corporation of India (NPCI) since May 2024, focusing on the MSME and Corporate Business for RuPay Cards. Prior to this role, Gracy served as an Assistant Vice President 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 at IndusInd Bank from April 2020 to September 2021. Gracy's career in the banking sector began at ICICI Bank as a Product Manager for Credit Cards from October 2016 to April 2020. Academic credentials include a PGDM in Banking from Manipal Academy of Higher Education, a Common Proficiency Test in Accounting from The Institute of Chartered Accountants of India, and a Bachelor of Commerce from Mahatma Gandhi Kashi Vidyapeeth.