Management Appointment Details
Pine Labs Limited announced the appointment of Jayaram Karthik as Chief Operations Officer effective September 2, 2026. In this role, Karthik will lead operations and merchant experiences across India and international markets, with a focus on building technology-enabled operating models that deliver seamless, trusted, and locally relevant journeys across the group.
Appointee Background and Experience
Jayaram Karthik brings over 25 years of experience across operations, risk, analytics and technology. He has held leadership positions at American Express, Citibank, Amazon, Tata and Razorpay, where he led large-scale operational transformation and mandates to strengthen operating models and standardize end-to-end merchant journeys. His expertise includes streamlining complex operating processes for high-growth businesses.
Strategic Rationale and Company Context
The appointment comes as Pine Labs strengthens its operational capabilities to support the next phase of growth. The company currently operates across more than 20 countries and is building a unified operational excellence model to scale its global footprint. The move reinforces Pine Labs' commitment to building a globally scalable operating foundation that powers superior experience, strengthens trust and supports sustainable growth across markets.
Management Commentary
B Amrish Rau, CEO, Pine Labs stated: "The future of fintech will be shaped not just by the products we build, but by how effectively we bring together technology and operations to deliver high-quality customer experiences. Jayaram's deep expertise in streamlining complex operating processes for high-growth businesses will help us strengthen the foundation required for our next phase of global growth."
Jayaram Karthik, Chief Operations Officer, Pine Labs commented: "The next competitive advantage in fintech will come from turning complexity into simplicity for customers. That requires a strong combination of technology, operations and experience to work as one. I look forward to helping scale the operational foundation that will enable the company to grow faster, standardization to serve customers better and build lasting trust across markets."
Company Business Overview
Pine Labs is a technology company building the Commerce OS that powers digital commerce across South Asia, Southeast Asia, the Middle East, Africa, Australia, and the United States. The company's platform connects merchants, enterprises, financial institutions, and consumers through a unified suite of payments, issuing, credit, and fintech solutions, serving businesses across online and in-store commerce.