Harit Talwar is a Partner and Head of Digital Finance at Goldman Sachs with oversight for the online lending and deposit businesses. He joined Goldman Sachs in 2015 as a partner. Prior to joining the firm, Harit was president of US Cards for Discover Financial Services as well as chief marketing officer and a member of Discover’s Executive Committee, where he played a key role in driving overall strategy. Before that, he was managing director of Morgan Stanley’s Consumer Banking Group International. He also spent 15 years at Citigroup, working in India, the Middle East, the US and Europe. During this time, Harit held a number of senior roles including general management and country management positions in cards, loans and retail banking.