Pine Labs Appoints Jayaram Karthik as Chief Operations Officer

Pine Labs Limited has announced the appointment of Jayaram Karthik as its new Chief Operations Officer, effective September 2, 2026. In his new role, Jayaram will be responsible for leading operations and enhancing merchant experiences across both India and international markets. His focus will be on developing technology-enabled operating models to ensure seamless, reliable, and locally appropriate customer journeys throughout the Pine Labs group.

This strategic appointment comes as Pine Labs aims to bolster its operational capabilities to support its upcoming growth phase. Jayaram brings over 25 years of extensive experience in operations, risk management, analytics, and technology. He has a proven history of scaling businesses while maintaining efficiency, trust, and simplicity. Previously, he held significant leadership positions at major companies including American Express, Citibank, Amazon, Tata, and Razorpay, where he successfully drove large-scale operational transformations and standardized end-to-end merchant processes.

Amrish Rau, CEO of Pine Labs, stated that the future of fintech hinges on effectively integrating technology and operations for superior customer experiences. He highlighted that Pine Labs' expansion into over 20 countries necessitates a unified operational excellence model, and Jayaram's expertise will be crucial for this next phase of global growth. Jayaram Karthik expressed his enthusiasm, noting that the competitive advantage in fintech will arise from simplifying complexity for customers through a strong synergy of technology, operations, and experience. He looks forward to scaling Pine Labs' operational foundation to accelerate growth, improve customer service through standardization, and build lasting trust across all markets.