Jayaram brings over 25 years of experience across operations, risk, analytics and technology, with a proven track record of helping businesses scale while maintaining speed, trust and simplicity. He has held leadership positions at American Express, Citibank, Amazon, Tata and Razorpay, where he led large-scale operational transformation and strong mandates to strengthen the operating model and standardize end to end merchant journeys. He joins Pine Labs with a strong conviction that sustainable growth is built on exceptional human and technology-led experiences.
B Amrish Rau, CEO, Pine Labs, said: “The future of fintech will be shaped not just by the products we build, but by how effectively we bring together technology and operations to deliver high-quality customer experiences. Today, Pine Labs operates across more than 20 countries and building a unified operational excellence model is now central to how we scale that footprint. Jayaram’s deep expertise in streamlining complex operating processes for high-growth businesses will help us strengthen the foundation required for our next phase of global growth.”
Jayaram Karthik, Chief Operations Officer, Pine Labs, said, “The next competitive advantage in fintech will come from turning complexity into simplicity for
customers. That requires a strong combination of technology, operations and experience to work as one. Pine Labs has built an impressive global business, and I look forward to helping scale the operational foundation that will enable the company to grow faster, standardization to serve customers better and build lasting trust across markets.”
