Sandeep Ghosh is Visa’a Group Country Manager India & South Asia (INSA) and is responsible for the organization’s growth strategy and market leadership across South Asian markets. Sandeep focuses on Visa’s growth and expansion based on innovative strategies to open business avenues, help build and scale a trusted payments ecosystem and drive financial inclusion by developing a less-cash society, across each of the markets. He brings diverse and rich experience from the banking and finance ecosystem, having worked across multiple global markets in the sector of business development, brand marketing, strategy and general management. Prior to joining Visa, Sandeep led the Financial Services Consulting practice at EY for India. Previously, he also served as the Managing Director at Bharti AXA Life Insurance and Country Manager AXA India, where he helped build a strong franchise for the brand. Sandeep holds a bachelor’s degree in Commerce, Accountancy & Financial Management from Sydenham College, University of Mumbai, and an MBA from the Indian Institute of Management, Ahmedabad.