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Bhavna Saraf

Bhavna Saraf

Head of Payment Products and Propositions, Santander
Seasoned executive with deep expertise in financial services, covering Product Management, Sales, Innovation , Transformation, Strategy, Partnerships and Credit at Santander, Lloyds, Citi, HSBC and Rabobank. Incubated a start-up to Seed 2 funding. A product evangelist and an innovator at heart, with the purpose to deliver sustainable and desirable growth for customers.