Manoj Varma is an accomplished business leader currently serving as the Consumer Bank Head at UnionBank of the Philippines. With over 30 years of experience driving profit and revenue growth across Asia and the US, Manoj has a proven track record of success in diverse work environments. His leadership in managing and expanding card businesses globally underscores his ability to deliver high growth and superior market performance. Manoj's extensive expertise spans all functional areas, including Finance, Credit, Operations, Sales, and Marketing. Known for his strategic vision, he excels at transforming business strategies into practical, measurable results, consistently achieving excellence in every facet of business management.