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Nihar Ranjan Saha

@niharranjansaha

Payments product leader at Eastern Bank PLC who delivers card products and digital-payment capabilities across Bangladesh.

Bangladesh
Message

At Eastern Bank PLC, I lead a 12-person card product team and coordinate with Technology, Operations, vendors, and global payment networks. I take card products from proposition and requirements through approvals, implementation, certification, launch, and ongoing improvement.

My work spans credit, debit, prepaid, payroll, commercial, and co-branded cards. I supported the launch of the EBL-MetLife Visa Health Card and played a pivotal role in launching Mastercard and UnionPay card propositions at EBL.

I coordinate chip enablement and personalisation readiness, and drive POS, ATM, and e-commerce channel readiness. I also contribute to initiatives including WearEBL, Visa Flex, virtual prepaid cards, tokenisation, digital wallets, 3DS/ACS, and Passkey-related authentication.

Previously, at BRAC BANK PLC, I led the EMV certification project for POS terminals and cards, completing certification and migration of the POS and card portfolio to EMV. At THE CITY BANK PLC, I coordinated card projects and POS and ATM EMV certification activities.

Experience

Work history, roles, and key accomplishments

Eastern Bank PLC logoEP
Current

AVP & Senior Manager, Product Innovation & Network Management, Cards

Eastern Bank PLC

Oct 2015 - Present (11 years 1 month)

Lead a 12-person card product team, coordinating with Technology, Operations, vendors, and global payment networks. Own end-to-end delivery of card products from proposition through scheme approvals, implementation, certification, and launch.

BRAC Bank PLC logoBP

Officer, Cards & Electronic Banking System, IT Division

BRAC Bank PLC

Sep 2010 - Jun 2013 (2 years 9 months)

Led the EMV certification project for POS terminals and cards, completing certification and migration of the POS and card portfolio to EMV.

Education

Degrees, certifications, and relevant coursework

DU

Darul Ihsan University

Bachelor of Science, Computer Science & Engineering

2002 - 2006

Grade: 3.79/4.00

BSc in Computer Science & Engineering from Darul Ihsan University, completed in 2006 with a CGPA of 3.79/4.00.

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