B Chandrasekhar - Chief Executive Officer
Chandrasekhar has over 24 years of retail banking experience across multiple geographies and roles. He has worked for over 23 years with Standard Chartered Bank across India, Bahrain, Lebanon and UAE. He joined Arab Banking Corporation in August 2010 as Group Head of Products and Marketing and he is the CEO of AFS since March 2011.

During his work experience with Standard Chartered Bank- he held the positions of Regional Head of Credit Cards and Personal Loans for Middle East, South Asia and Africa from 2003 to 2008 and was the Regional Head of Consumer Banking for Northern Gulf, Lebanon and Jordan from 2008-2010. Chandra was also a Board Director on the BENEFIT company in Bahrain from 2008-2010.

Chandrasekhar holds a MBA from the Indian Institute of Management Calcutta and a Bachelor of Engineering Degree from Delhi College of Engineering.

Throughout his career Neil has consulted to many of the top major financial services clients such as GE Money, Experian, Westpac Banking Group and Capgemini across Europe, Africa and Asia Pacific. In addition Neil has global experience in payment transaction processing/switching, unsecured lending, debit and pre-paid products.

Neil holds a Master’s degree in Business Management from Macquarie Graduate School of Management (MGSM), is a fellow of the Financial Services Institute of Australasia and an Associate Fellow of the Australian Institute of Management.

Mansour has worked for American Express Technologies for over 11 years where he led the implementation, integration and migration of various global systems and was key to the establishment of the Finance IT Development group responsible for servicing the Finance Resource Centre EMEA region.

He also led implementation of the Imaging and Workflow initiative undertaken by American Express Finance in EMEA and India. Mansour combines both business and technical knowledge with a broad experience in finance, process re-engineering, programme management, EMV, workflow, electronic document and record management, and web technologies in general.

Ebrahim comes with a wealth of knowledge in Accounting, Investment and Cash Management. He served in American Express Middle East and was a key player in the team managing the project to automate the Customer Receipt Collection system in EMEA offices. Ebrahim holds diploma in IFRS study and pursuing his a CMA professional certification program.

Partha Saha – Head, Business Development
Partha has over 15 years of experience in the Payment Card business in various capacities in the Middle East and India.

He has worked closely with card associations, card issuers, banks, regulators, retailers and petroleum companies and has been actively engaged in development of new solutions and services for them. Partha has successfully led multi-cultural sales and operations teams. Prior to joining AFS in 2008, Partha was General Manager-Sales & Marketing with Venture Infotek Global, a leading payment transaction processing company in India, where he played pivotal role in the strategic business development of the company.

Partha is a Computer Science Graduate from National Institute of Technology, Calicut , India.

Shiraz Ali – Head of Internal Audit
Shiraz is a seasoned professional in the field of internal audit, information systems audit, risk management, compliance and corporate governance. He has undertaken various risk based audit engagements in Pakistan, KSA, Bahrain, UAE and Qatar in last 10 years.

Prior to joining AFS in 2008, Shiraz was associated with Al Rajhi Islamic Bank (KSA) at a senior position in audit function. He currently heads the Internal Audit department of AFS and Euronet Middle East; and reports to the Audit Committee of the Board of Directors.

He is a Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA), and BS7799 Information Security Management Systems Lead Auditor. He also holds MBA degree from Institute of Business Administration, Karachi; and Bachelor of Engineering (Computer Systems) from NED University of Engineering & Technology, Karachi, Pakistan.

He joined Euronet Middle East - a subsidiary of AFS - in 2005 as Manager IT and Infrastructure and was promoted to Head of IT for both JV partner organisations AFS and Euronet Middle East.

Hasan worked for HSBC Bank heading the Office Automation department, Bahrain Stock Exchange in which he took a leading role in setting up the new IT infrastructure and new trading system and American Express Middle East where he headed the data centre, IT Operations and help desk. Hasan holds a B.Sc. degree in computer science.

Kunal Taneja – Head of Risk Management and Information Security
Kunal has over 10 years of experience in Risk Management & Information Security field. Prior to joining AFS, he worked for various top notch consulting firms such as Accenture, E4E, MIEL eSecurities where he led multiple client engagements across financial and telecom industries for regulatory compliance towards PCI DSS, ISO 27001/BS7799, BASEL II, SOX standards.

He joined AFS in February 2008 to head the PCI DSS project and is now Head of Risk and Information Security division where he engages in development and implementation of Basel II compliant operational risk framework and collaborates with business units to implement the key risk indicator (KRI) program, operational loss data collection process and risk & control self - assessment (RCSA) process.

Kunal holds a Master’s degree in Computer Science, specialized in Information Security from Symbiosis International University Pune and a Bachelor’s degree in Information Technology from Manipal Academy of Higher Education. Holds professional certifications: CISM, ISO 27001 Lead Implementer, CCSA (Checkpoint), CSSA (Sonicwall), CCNA (CISCO).