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Kevin Bates

VP of Enterprise Data Delivery, Fannie Mae

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.