We build, scale and transform global payments in the age of AI.

Debjit Sarkar has spent more than 20 years running payments businesses from the inside, as an executive at Visa, PayPal, Convera, HSBC and Capital One. He has led at card issuers, card network and fintechs, and worked closely with acquirers and merchants along the way. That gives him a clear view of how value is created and shared across the payments value chain, and where it is lost.

He brings that operating experience to every client engagement. At Visa, he generated more than $2B in incremental annual revenue and closed over 250 strategic deals with merchants, acquirers, processors and issuers. He has negotiated network agreements, co-brand programs and pricing and interchange strategies from both sides of the table. He has also led transformations under pressure. He restructured Visa’s $4B US Debit business after the Durbin Amendment, and at PayPal he led a global commercial transformation that delivered $300M+ in 16 months. He has owned results across his career, from a $100M global P&L at Convera to a $10B co-brand card portfolio at HSBC that consistently returned more than 20% ROE.

Debjit co-founded Payments Growth Partners to give leadership teams at card issuers, card networks, merchant acquirers, merchants and fintechs direct access to that experience. The firm advises in four areas: Strategy, Economics & Partnerships, AI, and Performance Optimization. Debjit and his team work hands-on with clients. He helps them anticipate shifts in technology, regulation and competition, including AI and agentic commerce. He then builds the roadmap, negotiates the partnerships and puts in place the operating discipline that turns strategy into measurable results.

Debjit is an alumnus of Harvard Business School, Stanford GSB, IIM Calcutta and IIT Delhi, and completed executive education in AI at MIT.

Alex Swartz has spent more than 15 years leading payments businesses at Visa and PayPal, with deep expertise in debit and network economics, pricing, routing and payments analytics. He knows firsthand how networks and processors operate, which gives clients a real advantage in managing complex payment relationships.

At Visa, Alex rose to Senior Director. He was product owner for the Interlink PIN Debit Network, led a rewrite of its operating rules and managed Visa’s top 50 cross-border clients. After the Durbin Amendment, he built Visa’s first real-time routing monitor, protecting an estimated $20B in volume in its first year. At PayPal, he co-led a global repricing initiative that delivered more than $10M in incremental margin.

At Payments Growth Partners, Alex brings that network and pricing experience to every client engagement. A former collegiate baseball player at Saint Mary’s College of California, he works the way he played: as part of a team, focused on results.

Amarnath Sambasivam has spent more than 20 years in corporate finance and commercial strategy, scaling global financial operations, pricing engines and payment infrastructure. He has worked across every stage of the payment lifecycle, from issuers and processors to merchants and consumers. That end-to-end view is rare, and it shows him where revenue is won and where margin quietly leaks away.

He has owned both sides of the ledger, driving top-line growth while protecting bottom-line margin, and has generated more than $100M in cumulative annual income across global marketplaces and financial institutions. He specializes in merchant pricing and core transaction pricing, across domestic networks and complex cross-border corridors. His work includes restructuring legacy processor contracts, negotiating network incentives, designing wholesale FX clearing models and optimizing fraud risk.

At Payments Growth Partners, Amarnath brings that discipline to every client engagement. He builds quantitative models that break vendor lock-in, uncover structural margin leaks and improve transaction yield, giving leadership teams a clear, evidence-based path to stronger economics.

Ahana Sarkar Silva is a Strategic Advisor to Payments Growth Partners, bringing extensive experience in artificial intelligence, business transformation, and scaling global operations. With a career spanning OpenAI, TikTok, EY-Parthenon, and PwC, she specializes in translating emerging technologies into practical business solutions that drive growth, efficiency, and operational excellence.

Throughout her career, Ahana has partnered with senior executives, engineering teams, and cross-functional leaders to develop and execute high-impact strategic initiatives. At OpenAI, she focused on leveraging AI agents to optimize business processes, improve operational efficiency, and build scalable systems. Previously, at TikTok, she held strategic leadership roles supporting global operations, organizational growth, and business transformation. Her earlier experience at EY-Parthenon and PwC provided a foundation in corporate strategy, executive advisory, and operational transformation.

As an advisor to Payments Growth Partners, Ahana helps shape the firm’s AI strategy, digital transformation offerings, and technology-enabled consulting capabilities. She focuses on helping financial institutions, payment networks, fintechs, and enterprise clients harness AI, automation, and data-driven strategies to modernize operations, enhance customer experiences, and unlock new opportunities for growth.