Harit Talwar is Executive Vice President of Discover Financial Services, and a member of its Executive Committee. Mr. Talwar is head of Discover Network and is responsible for all facets of its business, with merchants, acquirers, issuers and partner networks, including sales, marketing, product development, operations and risk. He has overseen business model evolution at Discover Network and rapid growth in its business and customer footprint.

Before joining Discover in 2000, Mr. Talwar was Managing Director of Morgan Stanley’s Consumer Banking Group International. In this role he was responsible for their U.K. business, which he led to a profitable trajectory, including improving market share. Prior to that, Mr. Talwar spent 15 years at Citigroup working in India, the Middle East, the United States and Emerging Markets in Europe. During this time, he held a number of senior roles including general management and country management positions in cards, loans and retail banking. His involvement with developing start-up businesses, driving business acquisition/integration and managing global businesses has enabled him to obtain diverse experience by geography, product groups, functions and business areas.

Mr. Talwar holds a B.A. Hons Degree in Economics from Delhi University in India and an M.B.A. from the prestigious Indian Institute of Management, Ahemdabad, an affiliate of Harvard Business School. In addition to his responsibilities at Discover, he is actively involved in charities dedicated to education and children/women development. He has served in various leadership positions with American School of Warsaw, Poland; America India Foundation; College of Lake County, Illinois; Children Memorial Hospital, Chicago and Pratham, UK.