With over 18 years of leadership experience in fintech and digital banking, I have transformed financial services across Southeast Asia, MENA, and North America. My proven track record in driving strategic growth, digital transformation, and financial inclusion solutions positions me as a key player in innovation within the financial sector.My career highlights include building market-leading digital finance solutions, scaling embedded finance platforms, and advancing MSME lending initiatives that align with the unique dynamics of Southeast Asia. I bring a strategic vision that combines innovation with a deep understanding of regulatory landscapes and operational efficiency.Key Achievements:HSBC Premier Success: Spearheaded the scaling of bundled financial services across six APAC countries, acquiring over 300,000 high-net-worth clients and increasing deposits by $20 billion.Deloitte Consulting: Collaborated with top global institutions in Silicon Valley, including Goldman Sachs and Mastercard, driving over $1 billion in additional revenue. Led a project that digitised credit assessment and lending processes, achieving a 40% faster loan approval rate and a 25% reduction in operational costs.Pioneering AI in Banking: Built the Middle East’s first AI-powered digital bank, Zand Bank, leading cross-functional teams in launch strategy, regulatory approval, and partner selection.Market Expansion at QisstPay: Developed and launched an embedded finance platform in the USA, Pakistan, and the Philippines, scaling to 5,000+ merchants and 3 million consumers, generating 72 million transactions and $650 million GMV annually within two years.MSME Solutions Development: Innovated MSME expense management solutions at Al Hail, acquiring 12,000+ clients and increasing monthly spending to $150 million through strategic partnerships.Credit Modeling for MSMEs: Created credit models using alternative data to improve approval rates for underserved SMEs, addressing gaps in traditional assessments.Merchant Base Growth at Mashreq: Grew the merchant base by 30% to 20,000 within a year, processing $15 billion annually with $120 million in operating profit.Fintech Expansion in Pakistan: Onboarded over 300 new agents and sub-agents for a leading fintech company, expanding our reach in underserved regions.I am passionate about leveraging my fintech expertise to drive business growth and create innovative solutions that enhance customer experiences. Let’s connect to explore leadership opportunities within Southeast Asia’s evolving fintech ecosystem.