Sanjay Nazareth has joined NPCI as Head – Card Payment Operations. Sanjay has over 12 years of experience in the cards industry. He has successfully handled several new service launches and efficiently project managed direct banking / alternative channel migration of acquired entities for HDFC Bank. In a span of 11 years at HDFC Bank, he has handled several key assignments that involved heading Prepaid & Debit Cards, Bilateral ATM operations, Merchant Acquiring Operations, Issuing & Acquiring Chargeback unit (Visa / Master Card) & Direct Banking Query Resolution & Merchant Servicing. Some of his key achievements include ISO 9000/9002 certification & Implementation of SOX certification for direct banking operations at HDFC Bank. He has also been associated with Amercian Express and Citicorp Credit Services India Ltd.