Varghese has over 25 years of experience in Payments Technology, product development, HR and Organisational Leadership. 20 years of that experience is with Visa, the largest payment network in the world, by building and maintaining many of its payment products/processing platforms such as Clearing and Settlement, Chargeback/dispute platform, Visa Commercial Card products, Visa Mobile Money (mobile wallet) and Visa’s financial inclusion product in India. Varghese’s technology expertise spreads over various platforms such as TPF, Mainframe, Microsoft, J2EE, ETL, BI and Analytics. In his long career with Visa, he has hired and groomed small to large teams for the various product engineering/enhancement/operations projects, many of them are now in leadership roles in Visa. He has managed programs/projects up to the size of $120M.