Chief of Products
As Chief of Products at NPCI, Mr. Kunal Kalawatia oversees the development and management of key payment products, including Aadhaar-based Payments, BHIM, RuPay, NETC, NFS, and UPI. He plays a vital role in shaping the organization’s product strategy, driving innovation, and ensuring the seamless integration of these services to enhance the customer experience and adoption.
With over 23 years of experience across payments, telecom, credit cards, retail, and advertising sectors, Kunal brings a diverse business perspective. He has held significant roles at prominent organisations such as Bharti Airtel, Vodafone, ICICI Bank, and Kotak Mahindra Bank. His expertise spans design thinking, customer lifecycle management, product management, loyalty and rewards programmes, partnerships, and brand management. He has led cross-functional teams across India, combining marketing expertise with a focus on customer retention and value-added services.
Outside of work, Kunal is a trained life coach with a deep interest in religion, mythology, and the science of ancient India. He enjoys exploring these fields, which enrich his personal and professional outlook.