Associated with Kearney as a Digital Banking SME for Systems / Process Design and Integration initiative for a large banking institution, that is endeavoring to connect and integrate a large multi-fintech partnership program targeting the mass-MSME segment of the Saudi market, with solutions and services that address a multitude of needs for players in the MSME eco-system of the country.Key Engagement and Accomplishments:- Provided systems process design services between two fintech partners for a streamlined customer on-boarding and product take-up, and services enablement, through technical integration enablement, working with partner internal and external technical service providers and development teams- Providing Program Management and guidance on systems integration and development, catering to the business and program objectives of the initiative, and reporting to the C-Suite of the FI and partner Fintech organizations

Successfully managed IBM's digitalization, process automation, and data transformation consultancy services, for the banking industry, and generated/managed $9.3 million in business volume over 3+ years of client engagements, while continuously strengthening client relationships and exploring new avenues of growth.Key Accomplishments:- Provided Program Management, Industry SME and Business Process and Journey Design expertise for a large bank' digital process automation, including Digital Customer On-boarding Journey Design for the Mobile and Web Channels using the Design Thinking (DT) product/service design approach- Identified and provided a RPA based digitalization of a core operational business process within the account opening domain, providing a saving of 12 FTEs, and ~1.23 minutes of time savings for each application- Utilized extensive banking industry experience to provide business consulting services on the design of an Agile Target Operating Model (TOM) for a leading digital blue-chip bank in Pakistan- Provided consulting services, as part of a team of IBM’ Agile CoC Consultants to a blue-chip bank, involving organizational restructuring and skills-assessment, as a precursor for the enablement of the bank' "new ways of working (WoW)" initiative- Led the Data Governance (DG) engagements for UBL, Maaden Saudi, ABL, and Meezan Bank, along with participating in RAK Bank’ Digital Architecture Review and Redesign, and STC Saudi’ IT Costing Model Redesign and Development engagements- Project Managed and Led HBL’ Data Strategy and DG Setup engagement, with a global/local team of experts in various areas of specialization, and presented to the bank’ management for required approvals and signoffs

Headed the bank'​ Branchless Banking Business Division, with key focus on addressing the MFS related 'payments and FT enablement'​ needs of Pakistan's large middle-tier and bottom of the pyramid population.- Launched the bank'​ Branchless Banking brand, Jcash (short for, Just Like Cash), with approx. 29,000+ agent/merchant network, and a Mobile Wallet focus, with retail payment capabilities from the start. - Activated the OTC based agent/merchant based local remittance business, G2P Cashout, and the registration of Mobile Wallets (MW) for Pakistan’ large under / un-banked segment, and enabling transactions, using technologies like IVR and Mobile App(s).

Worked as a Director for Business & Technology Consulting practice at Echelon Consulting, a boutique consultancy house focusing in areas of business / technology consulting within the Mobile / Branchless Banking, Process Design and Automation, Business Intelligence and Systems Integration / Implementation domains.- Developed the Business Plan for the establishment of an independent Mobile / Branchless Banking Switch for the country, under the Third Party Service Provider (TPSP) initiative of the State Bank of Pakistan, and worked with international investors to negotiate and finalize a business roll-out and market launch for the same.- Developed the complete business plans for two technology companies (one local and one regional market player), and consulted for the reconstitution and design of a new large Professional Services organization.- Provide functional consulting focus in the design and implementation business/systems integration of various business technology solutions within the new Enterprise 2.0 space, including implementation of Dynamics CRM, Share Point, Mobility and Business Intelligence product suites.

Worked within the Marketing and Product Management Group for the Retail and Consumer Banking Division, I looked after the product development, marketing, deployment, roll out, management and enhancement of the entire eBanking portfolio, including ATM/CDMs, Contact Center, IVR, Internet Banking, eStatements, Transaction SMS Alerts, Kiosks, Mobile Banking/Payments, POS and Service Centers. I was also responsible for the deployment, rollout and management of the bank' strategic Customer Relationship Management (CRM) system that was designed to be made into a single repository of customer information throughout the bank. The Siebel CRM implementation was completed for the Contact Center, and Collections for Retail, Consumer and SME areas, and for Account and Loan Origination.

Product managed the bank' Value Visa Debit Card product, and eChannels for the bank, and developed and presented the bank'​ multi-channel strategy to the ManCom, for the management of all customer engagements, and led the implementation and launch of the bank'​ new Contact Center, HBL Phone Banking. Developed detailed work flows for the better management of customer registration for the Contact Center and effective customer interaction on this channel. Achieved the HBL Phone Banking registration target consistently for the 3 months following the launch of the service, and engaged with end-clients at the various country-wide branch locations to gauge customer feedback, and improve and correct any process gaps, and services offerings.Worked with the brand management and activation team to develop the ad campaign for the launch of HBL Phone Banking.Worked for the process improvement and 'card'​ rationalization exercise to both increase the Visa Debit Card'​ engagement and better usage of the portfolio.

Managed the company’s Professional Services (PS) Department (South Region) for more than five (5) years, with an eight (8) member team in Karachi and more than twenty (20) consultants on project assignments across various times. Reported to the Country Head – Professional Services Pakistan.My experience with Teradata includes the following:- 5+ years of Systems Implementation and Integration experience for Data Warehousing, BI, CRMs (Operational and Analytical), Contact Centers, IVRs and Complaint Management Systems (CMS).- 3+ years of Data Warehousing and BI related Industry Business Consulting experience (for Finance and Travel), Solution Architect, and Data Modeler (for both the Teradata’ Financial Services and Travel LDMs) and Data Mapper for various projects within Pakistan and the EMEA Region.- Project Managed and provided Subject Matter Expertise (SME), and Implementation Services on a number of projects within the Data Warehousing, BI, Operational/Analytical CRM, Contact Center, IVR and Complaint Management domains- Worked as the Project Manager and Lead CTI Implementation Consultant for Teradata' Genesys based Contact Center projects at Union Bank and PIA.- Lead the implementation of DW and CRM projects at Union Bank, ABN AMRO Bank and regional banks and airlines.- Provided industry consulting experience for the banking, airlines and telecommunications industries within the EMEA region, including countries like UAE, Bahrain, Kuwait, Lebanon, Greece, Turkey, Czech Republic, Switzerland and South Africa for the implementation of successful Datawarehouses and CRM strategies.Additionally, I was also engaged in public speaking forums and presented the Teradata product, services and our local project successes at conferences and customer workshops throughout the region.

Headed the sales and marketing of NCR' financial solutions and services within the Southern region of the country and won large account deals for projects from SBP and HBL. Led the implementation of SBP' General Services Department' project.

Lead Software Engineer and Systems Analyst; lead the development, deployment and implementation of State Bank of Pakistan’s Non-Banking Financial Institutions (NBFI) and General Zone projects. The projects deployed a set of custom built applications based on the Informix RDBMS platformArchitected solutions around Informix RDBMS and provided support to the sales team on technical discussions