Karthik Raghupathy

Karthik Raghupathy has turned the digital payments ecosystem into a goldfield of opportunities and scale with PhonePe when it comes to ‘pay’ ing it forward.
Karthik Raghupathy is an alumnus of IIT-Madras and Cornell University, following his calling in deep tech. It was only apt for this brilliant brain to find his footsteps to The Wharton School at the University of Pennsylvania, where he took his engineering expertise and added an MBA in finance. Degrees and accomplishments might tell a tale of his learning path, yet, it’s Karthik’s depth of fintech that makes him stand out as a mentor, leader, and motivator. Having over 18 years of experience, currently, Karthik is the Vice President - Strategy and Business Development at PhonePe. Earlier, he worked with the United Overseas Bank Limited (UOB) as an Executive Director, and Process Excellence in Singapore, where he spearheaded productivity improvements. His earlier stints include Standard Chartered Bank as Head - Planning and Projects, Retail Banking COO Office, where he achieved $20 million in cost savings through multiple efficiency initiatives, Dell, and McKinsey & Company.


Awards and Recognitions
YourStory’s 100 Emerging Voices of 2019
In an age where digital payments have changed the fabric of the way we do business, Karthik is an encyclopedia into finance, which he brandishes with his articles. In an article in YourStory, he wrote incisively on, how digital payments will accelerate into every Indian’s payment mode. His business intelligence and in-depth aptitude for analytics make him a voice on the financial landscape. Tailoring solutions based on the need of retailers, Karthik is a storehouse of knowledge on the finance spectrum with an edge on technology that he calls on in his articles. He has published Curve Tracing and Curve Detection in Images, which was published by Cornell University during his time there as a student.