Ra Ma. Palaniappan is a Public Speaker and with over 15 years of Industry experience as a Banker and IT Program Manager. He works as an Engineering Program Manager at PayPal and have worked in companies like Standard Chartered Bank, ABN AMRO Bank and Verizon.

Palaniappan has evolved as a powerful speaker, having inspired many professionals through his speaking assignments, workshops and programs. He passionately speaks about Financial Freedom - The Debt Free Way.

He was the Past Area Director for Toastmasters International, a non-profit global Organization and a public speaking forum. He had delivered several speeches in Toastmasters meetings & special events and has won accolades. He is the winner of International Speech Contest 2018, at Area Level and the Division Finalist in 2018.

Academically, he holds an MBA in International Business