Navin Gupta is Managing Director, South Asia & MENA, at Ripple. Navin has extensive experience in global transaction banking, payments and cash management, and strategy planning following nearly two decades working for HSBC (2005-15) and Citigroup (2001-05) across the U.S., Hong Kong, Japan, Taiwan, and India. During his tenure (2007-09) 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. Prior to joining HSBC, Navin spent close to five years at Citigroup in San Francisco as a global relationship manager for technology, media and telecommunications clients. He joined Citigroup as a management associate shortly after graduating from the Thunderbird School of Global Management in Arizona. Navin was a board member of National Payments Corporation of India (NPCI) between 2011-2014, advising on Payments and Cash Management. Navin currently lives in Mumbai with his wife and two children, is an Art of Living teacher and volunteers at slum school in Dharavi, India. He enjoys meditation and travelling around the world.