Harit is a managing director in the Merchant Banking Division, and head of the firm’s new Mosaic digital consumer banking initiative. Harit joined Goldman Sachs in 2015 as a partner. Prior to joining the firm, Harit was President – U.S. Cards, for Discover Financial Services, also the Chief Marketing Officer and a member of Discover’s Executive Committee, playing a key role in driving overall strategy. Before that, Harit 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 United States and 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. Harit holds a B.A. Hons Degree in Economics from Delhi University in India and an M.B.A. from the Indian Institute of Management, Ahmedabad. He is a board member and trustee of the American India Foundation, and on the Marketing Advisory Board of the Museum of Science and Industry in Chicago. He has also held various leadership positions with the Chicago CMO Summit, the American School of Warsaw, Poland; the College of Lake County, Illinois; Children’s Memorial Hospital, Chicago; and Pratham UK.