Manuel G. Santiago, Jr. is the Executive Vice President and Chief Mass Market and Financial Inclusion Executive of UnionBank of the Philippines. He is leading the bank’s efforts to serve the unbanked and underbanked markets in the Bank’s pursuit for inclusive and sustainable prosperity for all Filipinos. He currently serves as Director of PETNET, Inc. and Progressive Bank, Inc. He was also the former Chairman of First Union Direct Corporation, a subsidiary of the Bank. Prior to this he was the Senior Vice President and Head of the Consumer Finance Center managing the Home Loans, Auto Loans, Personal Loans and Credit Card businesses. He has established an impressive track record in the consumer lending business not only in Unionbank but also in other financial institutions. He previously worked as Director of Operations in American Express Bank in Indonesia and as Director of Operations in American Express International, Manila. He also held various positions in Citibank N.A., Manila.

Balakerthy is a highly motivated, self-reliant individual with an ability to respond positively to challenges; He has proven management skills with proven experience of building motivated, sustainable teams; Effective communication skills at all levels with a strong track record of proactive change initiation. Balakerthy has extensive experience in building and managing credit analytics functions for retail and wholesale products across different markets; He is specialized in business scorecard development, portfolio risk analytics, pricing, Basel II AIRB model development, stress testing, IFRS9, and regulatory reporting. He has led successful interaction with regulators (HKMA, PRA), internal audit, and independent review functions on various analytics projects.

Praveen Kombial Is the Global Sales Head at EdgeVerve, an Infosys company managing relationships, alliances, solution consulting and customer success. His mandate is to leverage the EdgeVerve product lines of Automation, Digitization, Artificial Intelligence and Supply chain Networks to drive a digital transformation agenda with Global 2K companies.

Prior to Infosys, Praveen spent many years at GE Capital and GE Money in India and did a gamut of functions and roles across Retail and Commercial Finance and Risk management.

The Digital and AI industry is at the cusp of building scale and Praveen and his team are involved in solving for Scale connected automation, multi enterprise networks, SaaS platforms and all such aspects that truly help build a Connected Enterprise.

With his background across core Industry domains and the evolving cutting edge technology landscape, Praveen is on the forefront of driving change and brings a practitioner’s view to translate concepts to reality.

Chetan is an astute leader with over 17 years of experiences in IT industry. He has helped customers in the Financial Services Industry across Asia Pacific to improve and automate business processes leveraging Software products and platforms.