Sujai Raina is a Retail Banking & Payments professional with more than 16 years of experience in emerging markets including India and the UAE. He started his career in 1998 and since then has held several senior roles across businesses including Payments, Lending, Wealth Management, Life Insurance & Pensions in leading organizations such as Citi, HDFC Bank, AEGON Religare Life Insurance and Mashreq. As the Business Manager for Portfolio & Co-branded Credit Cards, Sujai is responsible for managing portfolio actions including credit limit enhancements, innovative balance-build products and a suite of embedded insurance offerings that offer customers a variety of borrowing and protection options. He also focuses on enhancing Mashreq’s co-branded card partnerships in the telecom, airline and entertainment space, acquiring new co-branded card partners in untapped segments such as hospitality, government payments, charity and sport. Sujai also drives customer-focused innovation projects within the Payments business including form-factor variations, instant card issuance through branches, straight through processes for card applications received online and NFC-based solutions. Most recently, in April 2014, Mashreq launched TAP n GO, the UAE’s first NFC-sticker solution that provides the fastest and most secure means to make low-value purchases using any mobile phone of any generation at over 4000 merchants in the country and over 400,000 worldwide. TAP n GO has been embraced by customers and merchants alike, as it allows the user to ‘beat the queue’ while making purchases at supermarkets, cafés, cinemas, quick-service restaurants, pharmacies etc. – no swiping, no signature/PIN required for low-value transactions.