I lead a team of Payment and eCommerce experts offering state-of-the-art Digital Payment solutions for businesses and organizations. Our solutions include:Omni-channel Digital Payments Platform>Formed with our flagship proprietary Etisalat Payment Gateway (EPG) at its core>Online payment acceptance via Credit/Debit cards (Card Not Present-CNP)>Physical payment acceptance via POS and Unattended Kiosks (Card Present-CP)>Single dashboard for all payment channels, single settlement file, simplified reconciliation and reporting>Easy integration with single API>Dual-layered AI enabled Fraud Engine>eInvoicing (Pay by Link), wallet acceptance, tokenization, DCC, subscription engine and many more features>Integrated with multiple acquiring banks>24x7 customer tech supportManaged services>Managed POS services for banks, processors and large corporates. Includes end-to-end activities from procurement, application development and integration, inventory and stock management, key injection, installation, merchant training, 24x7 monitoring, field support services, data connectivity, etc.>Managed Payment Kiosks for multiple industries and applications with features including Card/Cash acceptance, cash dispensing, user KYC, transaction processing, etc.>Biometric digital KYC solution including certified devices and integration support to ICAMobile POS (mCashier)>Etisalat’s own branded Mobile POS solution, especially suited for delivery and queue-buster use cases>Offers option for customized application with full integration to customer’s back-end operational platform>Can be bundled with mobile/smart devices, data connectivity>Accepts fully contactless payments from Cards. Ability to record Cash and Cheque paymentsNew payment solutions>Creating new propositions with intersection of Payments with IoT, AI, Computer Vision, etc.>Unmanned shopping (Shop&Go) AI-enabled retail stores>AI enabled vending solutions>Facial recognition for payments

MENA FInTech Association is a not-for-profit Industry body for the FinTech community in the MENA region.

Remitr is a "new-age" Fintech start-up bringing strong consumer focus, superior product design and cutting edge digital technology to make cross-border payments and money transfers fast, simple, convenient and transparent.

Led the bank’s key digital initiatives with an emphasis on enhanced revenue generation. Developed proposals and executed the development of new digital products and solutions, leading Business Project Management, development and implementation of the bank-wide Siebel CRM system with components for Campaigns, Lead Management, Customer Service and Analytics. Collaborated across with Marketing, Sales, IT, Business Intelligence, Risk, Compliance and Operations teams to build strategic alliances and foster new partnerships with key local and global partners for new services. > Implemented a multi-channel strategy that drove integrated customer service and sales experience, achieving sizable cost-savings & revenue generating opportunities across all remote, proximity and manned channels.> Conceptualized, designed, developed and launched UAE’s first dedicated instant multi-channel remittance product by a bank, DirectRemit, with a promise of 60-second credit in recipient account.> Directed the implementation and rollout of the bank-wide Siebel CRM system with modules for Marketing, Sales, Service and Analytics in a record timeframe (2K+ users), including business ownership, specifications, and business requirements document, project management, UAT coordination, and end-user training.> Harnessed CRM systems to establish seamless end-to-end sales capabilities to launch integrated targeted multi-channel campaigns and enhance service excellence; achieved +25% year-on-year growth in sales via e-channels across all products.> Launched UAE’s first program for capturing sales and leads via ATM screens.>Enhanced customer service and sales interaction experience by implementing customized iPad applications for Priority Banking and Wealth Management RMs.> Implemented “dynamic” self-service IVR presenting menu options to customers as per their product holding profile, resulting in significant reduction in agent-assisted calls; introduced a self-service IVR for SME customers.

Chosen to lead a newly created unit during the merger of Emirates Bank and National Bank of Dubai, overseeing the development and customer fulfillment of payment services across all delivery channels and managing and growing the prepaid payroll card portfolio as a “direct banking” product. Nurtured active relationships with corporate customers of prepaid payroll cards to ensure smooth onboarding and servicing. Guided the implementation of Oracle CRM system for the merged bank. Served as a representative of the e-channels team in all initiatives and projects related to the integration of the two large banks.> Led implementation of a dedicated Prepaid Card Management System (PCMS) to reduce sizable costs through significant process automation, enhanced product features and increased revenue potential from various new product offerings.> Grew revenue contribution from Prepaid Payroll Cards significantly to make it one of the top revenue generating products with a predominantly e-channel service model through a series of planned measures and strategic initiatives.> Ensured compliance/regulatory mandates for payment instruments, including Wages Protection System (WPS).> Implemented and managed the Oracle CRM system for the merged bank and executed a planned roll out across 1,800 users.> Awarded the best “Action Learning Project” as part of the bank’s Diploma in Business Leadership program.

Managed all self-service and direct banking channels, including online banking (individual and corporate customers), SMS, IVR, call centre, ATMs/CDMs, kiosks, ‘ATM on Wheels’ and the implementation of CRM system.> Increased migration, usage, revenue, and cost savings of self-service and electronic channels.> Chosen as a member of the bank’s Al Ruwad talent pool for senior managers.> Launched and integrated “segment-based” online product offering for Non-Resident Indians (NRIs), working in partnership with India’s HDFC Bank, including a direct remittance service.> Launched transaction level dynamic authentication on NBD Online (using RSA token devices/SMS-based authentication codes) for both individual and corporate customers.> Led the bank-wide rollout, training and functional development of Oracle CRM, with a single 360 degree view of customer relationship and real-time customer behaviour across all channels.> Restructured the NBD IVR tree and inbound Call Centre to increase efficiencies, reduce call volumes and enhance service levels.> Conceptualized, designed, fabricated, promoted and launched the bank’s first remote banking vehicle (ATM on Wheels).

Recruited to create and manage the e-channels unit of Emirates Bank, developing and managing all e-banking channels, viz., Online Banking, SMS, IVR, ATMs/CDMs, Kiosks, ATM on Wheels, meBANK self-service locations, meTV, and the bank’s website. Led marketing and launch of new channels, including negotiations and tie-up with partners. Launched a refreshed and re-designed website of the bank with dynamic menu elements and contextual content. Formulated new profitability models for channel usage and calculating their contribution. Launched online acquisition e-campaigns in conjunction with various bank sponsored events.> Implemented “segment-based” projects with International partners for meNRI (with ICICI Bank) and meNRL (with Bank of Beirut), including online remittances to India and Lebanon.> Ran cross-selling campaigns via different channels (using NCR’s Communication Manager and Data Warehouse).> Enhanced e-commerce activities by launching the region’s first online direct debit product (e-wallet).> Participated in the implementation of Data Warehouse and other data management systems.> Formulated new profitability models for channel usage and calculating their contribution.> Led conceptualization, design, fabrication, promotion, and launch of UAE’s first Remote Banking Service (meBANK on Wheels).

Online services development and marketing, first Arabic implementation of new Content Management System (Vignette StoryServer), Relationship Management with key corporate customers and partners, co-branded services, Online promotional campaigns> Conceptualization, implementation, launch and management of new online services> New product development, including content development and sourcing > Implementation of the region’s first Arabic enabled online Content Management System (CMS)> Manage relationships with key corporate clients and partners including co-branded services> Commissioning of professional market research> Events and Public Relations, including agency management> Distribution strategy for online services, including affiliate programs

Start-up Management, Marketing, Business Development and Sales, New product development, Web strategy and consulting, Online Branding, Key customer relationship management.> Start-up management, Key Marketing Initiatives and Corporate Branding> Sales, Business Development and turnkey execution of large online solutions> Consulting, web strategy and online branding> Relationship management with large customers and government agencies> Identification and management of channels (franchises)> Overseeing and coordination of PR, marcomms and other corporate promotional/communications campaigns and events> Launch and management of new “community” portals e.g., www.batchmates.com

Worked as a Field Engineer in KEC's transmission line projects in Karnataka, Varanasi and Kolkata.> On-site Supervision and Project Management> Oversee construction of High power Transmission Lines> Marketing of projects and technical co-ordination with government agencies (clients)> Commercial and billing aspects, manpower planning/management, vendor selection and supervision