Bhavik S. is an accomplished professional with extensive experience in product development and management within the financial services sector. Currently serving as the Director of Product Development at STC Bank since October 2024, Bhavik has previously held senior roles at consulting firms and in various capacities at companies including XYB, Monese, Visa, and 10x Banking. Notably, Bhavik has focused on leading product propositions in credit, savings, investments, and insurance, while also overseeing significant digital initiatives at Metro Bank. Bhavik's academic qualifications include an MBA from the University of Warwick and a Bachelor's degree in Computer Application from Loyola College, complemented by an MBA in Finance and Marketing from The International Management Institute.