Ruchika Panesar

Ruchika Panesar is a transformational, purpose-driven leader with a career spanning banking, FinTech, and payments. Her expertise lies in enterprise transformation driven by technology and in building enterprise-grade products and platforms. She has successfully harnessed emerging technologies, including AI and Gen AI, across business domains to drive innovation and transformation at scale.

Prior to joining NatWest Group, she spent over two decades at American Express, based in New York and India, leading product development, engineering, and technology strategy to drive best-in-class customer and colleague experiences.

Ruchika is also a member of the Executive Council of NASSCOM, India’s apex technology and industry trade body. She is passionate about education and skill development as a path to empowerment, and is an active advocate and sponsor for underrepresented minorities and people in STEM.