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Girish Balasubramanian

VP, Product Strategy, Customer Experience and Analytics, Western Union

Girish Balasubramanian is currently VP, Product Strategy, CEX and Analytics for Western Union’s digital division. He is responsible for the end-to-end customer experience for Western Union’s digital (web and mobile) money transfer services. During Girish’s 5-year tenure, WU’s Digital money transfer services have seen significant growth in customers, transactions, and a 3x increase in revenue. WU is a leader in digital consumer money transfer, in addition to being a leader in retail cash-based money transfer.

Previously, Girish spent a number of years at PayPal in payments, funding mix and risk management leadership positions and helped the company diversify from a largely US and eBay-centric revenue stream to a majority international and off-eBay revenue stream. He managed product teams responsible for moving all of PayPal’s global payment volume ($100+ B per year) and reducing the loss rate by 40%. He pioneered “test and learn” and continuous learning techniques at PayPal, creating tens of millions of dollars of demonstrable value, and new consumer-friendly payments experiences such as “Pay After Delivery.”

Girish started his business career in management consulting before co-founding a consumer insurance startup specializing in warranties and service plans. After a stint managing middleware products at BEA Systems, he entered the world of payments. He has a Ph. D. in Neuroscience and an M.S. in Electrical Engineering, both from U. C. Berkeley, and a B.S. in Physics from Caltech. He lives in the Bay Area with his family and enjoys running and yoga.