A payments lead with 15 years in banking and fintech, I specialize in building profitable card businesses and high-performing teams. My work spans strategy and execution across issuing and acquiring, with a strong focus on unit economics, pricing and sustainable growth.

My expertise includes card issuing, merchant acquiring (POS, e-commerce, SoftPOS), interchange/MDR optimization, risk & fraud management, and product development. I’ve led large-scale initiatives, while shaping bank-wide policies on fees and acceptance.

I’m driven by a practical goal: turn complex payment rails into simple, secure and profitable experiences for customers and merchants. I’m passionate about data-driven decisions, partner ecosystems, and modern architectures that reduce cost, improve approval rates, and unlock new revenue streams in Georgia’s payments market.