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I'm Bharat.
A seasoned business leader with expertise in business development, digital transformation, strategic growth, and fostering innovation.

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My passion lies in driving strategic business growth and digital innovation. I thrive on exploring areas such as Fintech Solutions, Digital Transformation, Channel Management, Cost Optimization, Customer Experience, and fostering inclusive, high-performing teams to deliver impactful results.

Honors & Awards

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Network Management Award

Issued by Remittance Association Singapore · Oct 2024

Accepting the award from Mr Shawn Huang Wei Zhong
(Senior Parliamentary Secretary, Ministry of Education and Ministry of Finance)

for Transformation of Western Union from a Retail Organization to a Digital Organization

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Fraud Prevention and Keeping Consumers safe

Issued by Woodlands Police Division · Jul 2024

for Outstanding Contribution towards Preventing Fraud and keeping the Singapore community safe

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CEO Award

Issued by Hikmet Ersek CEO of Western Union Services · Mar 2015

Western Union had significant goals for 2014 to execute our Know Your Agent requirements and meet regulatory commitments
As a team, we exceeded the 2014 goals, and delivered results well under the expense budget.

Areas of Expertise

Digital Product Owner

Agile ways of working for complex
multi-geography projects

Digital Transformation

Fintech Solutions

Adoption of Artificial Intelligence/Machine Learning

API Integration

MIS & Data Management

Project Management

Customer Service Excellence

Analytics and Portfolio Management

Business Process Re-engineering

Fraud Risk Management

Profitability Management

Payment Capabilities

Sales Management

Channel Management: Online/Retail

Sales and Marketing

Remittance Regulations

Leadership / Stakeholder Management

Strategic Planning and Execution

Performance Management

Experience

Western Union Singapore

2007 - Present

Head of Business Development Singapore

Feb 2023 - Present · 1 yr 11 mos

Operations Head

(Singapore, Malaysia, Brunei, Indonesia and Philippines and Indo China)

May 2018 to Jan 2023 · 4 yrs 9 mos

Operations Head (Singapore)

Oct 2016 to Apr 2018 · 1 yr 7 mos

Operations Manager

North and East India and Bhutan

May 2007 to Sep 2016 · 9 yrs 5 mos

Wipro BPO Solutions

2002 - 2007
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Deputy Manager

Jan 2002 to Apr 2007 · 5 yrs 4 mos
Building

Mayor & Company

1999 - 2001

Senior Executive

Jul 1999 - Dec 2001 · 2 yrs 6 mos
EXPERIENCEO
CONTACT
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