Sandeep Malhotra is Executive Vice President of Products & Innovation, Asia Pacific for Mastercard. In this role, he is responsible for product development and management, including the commercialization of payment solutions that create a sustainable competitive advantage for Mastercard and its customers across Asia Pacific. This includes consumer and commercial products across Debit, Credit, Prepaid, Commercial, Payments Gateway, Processing, Acceptance, New Payment Flows and Digital Platforms & Labs.
Prior to his current role, Sandeep was instrumental in defining and executing Mastercard’s real-time account-based payments strategy. From being the business lead for the acquisition of Vocalink (UK-based ACH infrastructure provider), through to the creation of Pay-by-Account and Bill Pay products, he has championed new payment flows which aim to expand choice for stakeholders.
Sandeep has been with Mastercard for the past 22 years, and has held a wide variety of roles with increasing responsibility. He has a proven talent for bringing innovative technologies to market, which require persistence and persuasion, by applying a broad set of knowledge and expertise gained from working in various areas including digital payments, mobile payments joint ventures (with Smart Hub in Philippines), network products and software development & solutions engineering arms of the operations & technology division. As an avid inventor, he has contributed to many enhancements to Mastercard's core systems and network.
Sandeep earned a Bachelor of Science from the Indian Institute of Technology Kanpur, Master of Science from University of Missouri-Rolla, Masters of Science from University of Missouri-St. Louis and a Master of Business Administration from Washington University in St. Louis.