Navin Gupta is currently Managing Director, South Asia & MENA of Ripple. He has extensive experience in global transaction banking, payments and cash management, and strategy planning following nearly two decades working for HSBC and Citigroup across the U.S., Hong Kong, Japan, Taiwan, and India. During his tenure as Head of Payments and Cash Management for HSBC Japan, the business was transformed and voted the #1 Cash Management Bank in Japan by Euromoney. He was also a chief architect of HSBC’s global initiative on Working Capital and Liquidity Management and in 2008 was recognized as one of "The 50 Most Promising Young Leaders" in Asia-Pac by The Asian Banker. Navin is a former board member of National Payments Corporation of India (NPCI).