Sanjay Saraf — SPARQNOW

At-a-Glance

Serves as a CPO, CTO, and General Manager in Fintech, Payments, and Digital Transformation.
Leads P&Ls exceeding $1.0 billion, focusing on digital eCommerce and payments platforms.
Built and scaled an Embedded Payments & Banking Platform, including virtual accounts, wallets, and APIs for domestic and cross-border disbursements.
Developed digital payments platforms processing over $100 billion annually for global travel and hospitality eCommerce marketplaces.
Launched consumer-facing mobile payment apps in over 50 countries for cross-border remittance and bill payments.
Led the Digital P2P Platform for Western Union, achieving over 30% year-over-year digital revenue growth and processing over $85 billion in consumer transactions.
Serves as an Independent Director on the boards of private and publicly traded companies.

Biography

Sanjay Saraf is a senior executive and General Manager with a proven track record as a Chief Product Officer (CPO) and Chief Technology Officer (CTO) in the fintech, payments, and digital transformation sectors. He focuses on leading product development and digital initiatives that drive top-line revenue growth and deliver tangible value to customers and shareholders. His expertise extends to strategic investments and mergers and acquisitions (M&A).