Part of the FIG (Financial Institution Group) practice. Helping Banks / FIs in workforce optimization and product enhancement to accelerate transformational growth.

Responsible for fueling business growth through in-direct channel with a focus on building partner ecosystem across Middle East, Africa and South Asia using strategic partnerships, consulting firms, distributors and SIs. Also led the initiative to build operating model design, playbook and governance framework for ACI Worldwide to ensure our global indirect businesses are aligned to a standard framework to effectively onboard, enable, manage and optimize partner led sales. Closed first year by… Show more Responsible for fueling business growth through in-direct channel with a focus on building partner ecosystem across Middle East, Africa and South Asia using strategic partnerships, consulting firms, distributors and SIs. Also led the initiative to build operating model design, playbook and governance framework for ACI Worldwide to ensure our global indirect businesses are aligned to a standard framework to effectively onboard, enable, manage and optimize partner led sales. Closed first year by delivering 190% growth compared to 2020 and built fit-for-growth strategy to set the business on a transformation path with 2022 delivering 175% growth over 2021 and continuing with the same momentum as we close 2023. Also implemented market expansion strategy to expand ACI’s footprint across 28 new markets to drive transformational growth. Very hands on in constructing and commercializing payment solutions and driving deal closures working with C-suite and internal stakeholders to form common synergies to address changing market needs. Show less

Part of FS Consulting practice with focus on client engagements around retail & commercial lending, digital transformation, customer onboarding & loan origination, eco-system constructs, new market entries using disruptive operating lending models, business integration, front office transformation and cost/revenue optimization. Worked extensively in KSA market and developed strategies and implementation roadmaps for financial institutions in optimizing their lending and deposit businesses… Show more Part of FS Consulting practice with focus on client engagements around retail & commercial lending, digital transformation, customer onboarding & loan origination, eco-system constructs, new market entries using disruptive operating lending models, business integration, front office transformation and cost/revenue optimization. Worked extensively in KSA market and developed strategies and implementation roadmaps for financial institutions in optimizing their lending and deposit businesses through digital KYC and 3D advanced facial biometrics and integration with data houses such as YAQEEN and Absher for credit scoring and credit underwriting using loan and financing origination systems (LOS) to simplify approval process, faster loan/account processing/opening through robust workflow engine. Also pitched a large public fund to enter into the Trade Finance space using Blockchain to speed up the documentation and financing process with transparency and fraud elimination thereby, enabling SMEs to gain quick access to capital to facilitate their trade. My customer-centric approach coupled with strong industry knowledge has enabled me to quickly develop C-suite relationships, leading SteerCo sessions during client engagements, providing strategic view on account growth to leadership on clients across the Middle East with greater focus on KSA, UAE, Qatar and Kuwait. Recently, I also program managed the development of Crisis Management Control Tower (CMCT) and client propositions to help support our clients during COVID-19 for the FS practice. Also developed a digital strategy for one of the largest banks in the ME to enter a new market through a disruptive payments model and built a full-blown business case enabling them to become a $100mn bank in 5 years. Show less

Responsible for farming existing business and new business development for licensing business managing full sales and implementation lifecycle from demos to scope identification to proposal formation along with resource mobilization and project delivery across MEA and Pakistan. Based on my strong banking experience in managing retail lending businesses, I was also engaged in consulting clients to drive business efficiency using fully integrated web-based loan origination system (LOS) and credit… Show more Responsible for farming existing business and new business development for licensing business managing full sales and implementation lifecycle from demos to scope identification to proposal formation along with resource mobilization and project delivery across MEA and Pakistan. Based on my strong banking experience in managing retail lending businesses, I was also engaged in consulting clients to drive business efficiency using fully integrated web-based loan origination system (LOS) and credit underwriting platform to speed up errorless loan approval process, developing new products, solutionizing key pain-points, building future roadmaps and managing risk and compliance in the capacity of the trusted advisor. I was also responsible for identifying opportunities to deliver our managed services propositions based on project sensitivity and delivery timelines. Also responsible for developing and implementing account and territory plans for key markets through increased client engagements and customer journey planning. Also responsible for providing regular updates on the region's performance and future outlook to Global and Group Executives on a periodic basis. Show less

Responsible for managing payments and retail lending business with full P&L ownership overseeing product, sales, loan origination, credit underwriting and regulatory compliance and delivered market leading results both in terms of top-line and bottom-line growth. I also co-led the core team that implemented the new loan origination system (LOS) for consumer loans to driver faster credit underwriting, application processing and report management which included development of workflows… Show more Responsible for managing payments and retail lending business with full P&L ownership overseeing product, sales, loan origination, credit underwriting and regulatory compliance and delivered market leading results both in terms of top-line and bottom-line growth. I also co-led the core team that implemented the new loan origination system (LOS) for consumer loans to driver faster credit underwriting, application processing and report management which included development of workflows, pre-screening, credit scoring, application processing & decisioning, loan disbursement and quality control to drive customer acquisition growth with frictionless customer experience. In this role, I also led the full migration of our consumer business portfolio from RBS to Faysal Bank including rebranding and recarding with zero customer disruption. In the span of 4 years, I successfully turned the business around from a consolidation focused portfolio to positive EBIT and ROTA business and was able to build leadership trust in the form of incremental investment to drive profits to new heights. Key Achievements and Highlights:• Delivered EBIT growth of 50% on Cards with 2013 closed at $2.5Mn while Personal Loans Business delivered a combined EBIT of $2.3Mn in 2013. 2014 combined EBIT grew by 60% over 2013. Also successfully shifted revenue dependency from revolving income to fee income on cards to build long-term sustainability coupled with minimal losses.• Delivered industry leading spend volumes with annual spend more than doubled since 2011 delivering annualized GDV/TV of $170mn on cards and $48mn on Revolving Loans. Also delivered industry leading cross-border spend growth on cards by closing 2014 at $40mn with 96% growth over 2013 as compared to country growth of 53%.• Delivered highest ENR growth on cards since 2008 closing July 2014 at $50mn, Revolving Loan at $25mn and Instalment Loan business at $20mn (re-launched in 2013) Show less

Responsible for managing cards portfolio and later promoted to lead product and portfolio unit for cards and personal loans of a $100mn book size and 230K customer base. In this role, I developed sustainable business programs through a shift of acquisition driven to Portfolio focused approach in 2009 when industry suffered huge credit losses. I also led the rebranding and portfolio migration exercise for consumer banking during ABN AMRO to RBS and RBS to Faysal Bank conversion and was also… Show more Responsible for managing cards portfolio and later promoted to lead product and portfolio unit for cards and personal loans of a $100mn book size and 230K customer base. In this role, I developed sustainable business programs through a shift of acquisition driven to Portfolio focused approach in 2009 when industry suffered huge credit losses. I also led the rebranding and portfolio migration exercise for consumer banking during ABN AMRO to RBS and RBS to Faysal Bank conversion and was also engaged in the country level M&A transactions to manage due diligence process. Besides managing business and delivering local and regional targets, I also led some of the critical regional initiatives which included defining consumer brand guidelines for APAC and designing and executing end-to-end recarding process with zero customer disruption.Key Achievements and Highlights:• Successfully managed payments business that was rated as an industry leader in 2014 in terms of growth delivering 96% YoY growth compared to country growth of 53%. Also developed sustainable business programs through a shift of acquisition driven to portfolio focused approach. • Initiated the use of credit bureau pulls with vintage factor analysis and behavioral scoring model to drive activation, usage and balance build-up programs through tailor-made portfolio initiatives. Also developed strategies for high-utils and high revolvers aimed at increasing funded and non-funded income using a mix of CLI and fee revisions. Also launched 5 Bancassurance products taking annual revenue from $1m to $2.8m across Unsecured Business. • Led the consumer lending integration and rebranding project during ABN AMRO to RBS acquisition and also helped in developing premium product guidelines for RBS APAC region. Show less

Managing a line of specialty, co-branded and premium cards with an objective to grow portfolio size using shared data. My responsibility also included developing a range of Banca and Value Added Services to maximize portfolio revenues through customized cross-sell programs using a mix of outbound and inbound call units. Also launched the most powerful Platinum card with clear leadership in the elite affluent segment.

Building acquisition momentum though a series of customer and sales led campaigns including introduction of innovative channels for lead generation. Also revamped sales and approval rate which were seriously impacted post implementation of positive bureau in Pakistan by taking monthly approvals from 800 to 6,000 cards and from 500 to 2,000 personal loans. Re-built approval rate across cards and personal loans and taking it from 20% to 70% post eCIB (positive bureau). Conducting rejection… Show more Building acquisition momentum though a series of customer and sales led campaigns including introduction of innovative channels for lead generation. Also revamped sales and approval rate which were seriously impacted post implementation of positive bureau in Pakistan by taking monthly approvals from 800 to 6,000 cards and from 500 to 2,000 personal loans. Re-built approval rate across cards and personal loans and taking it from 20% to 70% post eCIB (positive bureau). Conducting rejection reviews with sales and underwriting to maximize sales productivity. Show less

• Responsible for designing new card products and adding line extensions into the existing product category.• Designed end to end product proposition of Galleria (Pakistan’s 1st Picture Card) starting from concept development, card designing, ATL/BTL roll out plan.• Managed a combine marketing, promotion and advertising budget of US$1 million• Developed co-brand credit card proposition with PSO and Telco card proposition with Motorola and Mobilink to launch an up-scaled product for… Show more • Responsible for designing new card products and adding line extensions into the existing product category.• Designed end to end product proposition of Galleria (Pakistan’s 1st Picture Card) starting from concept development, card designing, ATL/BTL roll out plan.• Managed a combine marketing, promotion and advertising budget of US$1 million• Developed co-brand credit card proposition with PSO and Telco card proposition with Motorola and Mobilink to launch an up-scaled product for the high-end tech savvy market.• Worked on portfolio optimization in terms of increased spending, lower attrition and higher activation Show less

• Worked in 3 diversified roles starting from Head of Merchant Acquiring to Regional Sales Head for Cards and was finally looking after Cross Sell Unit for Consumer Asset products.

• Responsible for managing relationships and driving business from global and national key accounts with consistent double-digit growth delivery and margin growth.• Led distributor and wholesale revamp strategy to optimize product margins with cost efficiencies without loosing retail penetration and market share by SKU along with building distribution efficiencies.• Worked closely with ad agencies and distribution to design and implement various sponsorships and trade-marketing… Show more • Responsible for managing relationships and driving business from global and national key accounts with consistent double-digit growth delivery and margin growth.• Led distributor and wholesale revamp strategy to optimize product margins with cost efficiencies without loosing retail penetration and market share by SKU along with building distribution efficiencies.• Worked closely with ad agencies and distribution to design and implement various sponsorships and trade-marketing activities such as town-stormings, trade-offers and other BTL activation drives across HoReCas, Schools, Cinemas and retail.• Actively involved in the launch of Sprite Zero and attained highest product contribution in south.• Responsible for all business execution relating to retail market i.e. Merchandising Drive Campaigns (MDCs), BTL activities, Global Score Audits, Retail Base Growth etc. Show less

• Played an instrumental role in re-vamping Merchant Acquiring Business at Union Bank soon after the acquisition of Bank of America• Was also an integral part of the team that acquired American Express Cards operation in Pakistan