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In this episode of Chain Reactions, we welcome Paroma Chatterjee, CEO of Revolut India. With a career spanning marquee names like Flipkart, Airtel, Kotak, and ICICI, Paroma is now leading Revolut’s ambitious entry into one of the most complex and promising fintech markets in the world: India Our conversation spans: • The real moat in Indian fintech (it’s not user growth) • The pitfalls of global fintechs entering India without localization • How India’s next fintech opportunity goes far beyond UPI • What Revolut’s dream team hiring philosophy looks like (and why most don’t make the cut) • Why Paroma hates being called a “woman CEO”—and what needs to change in boardrooms • Advice for India’s next-gen founders Paroma also shares her vision for personalized payment solutions, UPI innovation, and Revolut's ambitious plans involving IoT, AI, and a potential banking license. She also reflects on her leadership philosophy, the art of building exceptional teams. This episode was proudly sponsored by Atomik Growth: https://atomikgrowth.com/ Connect with Paroma: / paroma-chatterjee-503193 Connect with Subah: / subah-wadhwani Connect with Vihaan: / vihaan-khanna Chapters: (00:00) Trailer (01:02) Introduction (01:32) Doing all things money (02:53) Digital model and team culture (05:47) Compliance and regulatory challenges (08:44) Where competitors fail (12:40) Traditional vs digital backdrop (17:24) Forex race to the bottom (19:18) The biggest moat (20:12) Exclusive deals and unique positions (20:54) The Indian consumer US$ (23:40) Right data, right decisions (25:47) Strong go-to-market core (27:17) Delivering expectations (29:37) Data sovereignty and regulations (33:31) India and Mexico's consumer behaviour (35:30) Know your customer (41:56) Interest-bearing market (43:15) Innovations in payment systems (47:56) AI in banking (51:28) Indian talent (53:19) Public speaking (55:16) From FMCG to banking (58:57) 1 of 100 profiles (1:01:32) Neither brand nor salary (1:03:48) The dream team, built on optimal speed (1:09:09) Karma points and female leaders (1:14:33) The road less travelled (1:17:56) Personal success (1:19:57) Closing advice