Sandeep Malhotra is responsible for product development and management, including commercialization of payment solutions that create a sustainable competitive advantage for Mastercard and its customers across Asia Pacific. This includes consumer products across Debit, Credit, Prepaid, Payments Gateway, Processing, Acceptance, and Digital Platforms & Labs.

Sandeep has been with Mastercard for more than 25 years, and has held a wide variety of roles with increasing responsibility. Prior to his current role, Sandeep was instrumental in defining and executing Mastercard’s real-time account-based payments strategy. From being business lead for the acquisition Vocalink (UK-based ACH infrastructure provider), through to the creation of Pay-by-Account and Bill Pay products, he has championed new payment flows which aim to introduce choice for stakeholders. As an avid inventor, he has contributed to many enhancements to Mastercard's core systems and network.