Mr. Gaurav Zutshi served as Chief Digital Officer at Aditya Birla Capital. Previously, he served as a Head of Products & Innovation - APAC at First Data Corporation. Gaurav Zutshi is Chief Digital officer at Aditya Birla Financial Services Group and was appointed as Director - Aditya Birla MyUniverse Limited effective 1st May 2016. In the group role, he leads customer acquisition and digitization of group's portfolio of products across life insurance, mutual funds, digital lending, health & general insurance Broking. At MyUniverse, he is responsible for growing the product offering, revenue growth and continued market leadership in the Personal Finance space. Prior to this he has worked at Citibank, Visa, ANZ Bank, IBM, First Data and entrepreneurial stints at Obopay & Money on Mobile. He was Asia Pacific Head of Product & Innovation at First Data serving banks & merchants across region with digital solutions in payments & mobility. At Citibank, Gaurav was SVP in Asia Pacific Innovation Lab, where he developed product solutions & new business models around international payments, corporate cards.