RL Prasad currently services as the Chief Risk Officer (CRO) of the Combined US Operations since September 2025, leading the oversight across both the financial and non-financial risks including credit, market, operational, compliance, model, liquidity, technology, capital, and reputation. RL sits on the board of Santander Consumer USA Inc.

Since joining Santander in 2020, he has held the positions of Deputy CRO of Santander US, Chief Credit Officer of Santander UK and Chief Risk Officer of the Santander US Auto and Retail Banking businesses. Prior to Santander, RL was Global Head of Payments System Risk and Global Head of Risk Services for Visa Inc. Previously, he held several senior leadership roles at Citigroup and Standard Chartered in business and risk management across multiple geographies.

RL holds an M.B.A. from Bharathidasan Institute of Management and a bachelor’s degree in commerce and economics from Madras University.