Kunal Galav leads Pleo Embedded as Vice President, where he drives the strategy and execution of embedded spend management and finance solutions for platforms serving SMBs across Europe. His career spans leading financial institutions and fintechs, including HSBC, Mambu, McKinsey & Company, and Credit Suisse, giving him a unique perspective on both traditional banking and fintech innovation. Kunal co-authored Bain & Company's influential piece "Banks' New Growth Path: From the Customer to the Cloud" and regularly speaks on embedded finance, banking infrastructure, and how technology enables SMBs to manage financial complexity. He advocates for AI-native financial tools embedded within banking platforms.