Product leader with 20 years of experience from startups to fortune 500 specializing in the Fintech, Financial Services (Banking), Retail, Healthcare and Logistics/Supply Chain space. Experience scaling payment platforms, shipping exceptional B2B, B2C and B2B2C SaaS products 0 to 1 for millions of users across the omni-channel experience - point-of-sale (in-person), E-commerce, social commerce, virtual terminal, mobile, IVR. Experience building product organizations from the ground up to leading large globally distributed teams at scale.- Global Payments: Exceeded revenue targets by multiple of 6-8X to grow Billing Solutions from a $9M ARR business to $50MM ARR by diversifying sales distribution channels, introducing new revenue generating products, monetizing existing functionality, launching new marketing campaigns, creating product demos/guides and digitizing the customer on-boarding experience- Change Healthcare: Launched Change Healthcare’s first generally available blockchain solution utilizing Hyperledger fabric featuring claims management transparency that allowed 50 million transactions per day and processed 550 transactions per second- Truist: Managed financial services program for Treasury and Payments line of business to streamline the client onboarding process which resulted in a reduction of implementation cycle time and product cancellation by 26% and 41% respectively- Citibank: Boosted revenue for Home Depot’s Pro Services business by 27% and increased customer conversion rate by 47%Skilled in:▪ Strategy - Product, Growth, Go-To-Market, Build/Buy/Partner▪ Storytelling - using quantitative and qualitative metrics to effectively communicate vision, problem statements, hypotheses testing and MVP's▪ Implementing operational frameworks - Pragmatic, Agile, Kanban, SAFe▪ P&L management - ran an org with an 88%+ operating income for 3 years straight▪ Payments - Credit, Debit, ACH▪ Talent development - build, coach, career planning
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Staff Product - Head Of Payment InstrumentsAffirm Jul 2022 - Aug 2024San Francisco, California, UsLead Affirm’s Payments Instruments team globally ($20B GMV portfolio) driving product strategy, compliance, and engineering. This encompassed comprehensive management of credit, debit, prepaid, virtual cards and ACH instrument channels as well as our Open Banking strategy for checkout, repayment, Affirm Card and Affirm Savings. Furthermore, manage our Stripe, Chase and Plaid relationships.▪Launched Affirm Marketplace in Canada (post PayBright acquisition), generating $275M net new GMV to Affirm’s back-book while in parallel migrating PayBright’s $800M portfolio to Affirm-CA.▪Implemented manual ACH verification, closing a major NACHA compliance gap while reducing Net Adjusted Charge-Offs by $2.97M.▪Led discovery and implementation of payment auth improvement initiatives which led to 65 bps improvement in payment auth rates equaling to $19.5M in incremental ROI.SpecialtieseCommerce, Payments, Installment Loans, Financial Services, Online Payments, Retail, Personal Finance, FinTech, Financial Technology, and Financial Management -
Vice President - Head Of ProductRoadsync Aug 2021 - Jun 2022Atlanta, Georgia, UsAs a pivotal executive within a Series B logistics and supply chain startup, I held a direct reporting line to the CEO, steering Roadsync's multifaceted product segments (Broker/Carrier, Driver, Warehouse, HDT&R) and managing a $7M P&L. My responsibilities extended to serving as the payments subject matter expert, orchestrating the intricate payments architecture, overseeing seamless money movement, and cultivating essential vendor relationships critical for sourcing and contract negotiations. I led a high-caliber team of individuals, comprising Directors, Product Managers, UX/Design experts, and a Scrum Master, fostering a culture of high performance and strategic delivery.▪Activated 4 new solutions in the first 16 weeks at Roadsync: Driver native mobile app, Comdata integration for automated express code validation, credit card validation and new Remote Checkout▪Achieved sales target of 10% revenue increase for Tow and Repair segment by developing card present mobile solution which captured point-of-sale revenue for existing customers and provided all-in-one solution for net new customers▪Contributed to partnership revenue growth of 20% by developing an embedded iFrame solution for Independent Software Vendors (ISVs) who want to partner vs build to avoid PCI exposure -
Sr. Director, Head Of Bill Pay And Service ProfessionalsGlobal Payments Inc. May 2019 - Aug 2021Atlanta, Georgia, UsGM responsibility of a $65M P&L - managed a global team (product, engineering, operations and customer support) for the Bill Pay, ACH and Service Professionals product portfolio serving more than 8,000 merchants (SMB, Mid-Market & Enterprise) processing over 50M transactions and $13B in volume▪ Exceeded revenue targets by multiple of 6-8X to grow Billing Solutions from a $8.5M ARR business to $50MM ARR by diversifying sales distribution channels, introducing new revenue generating products, monetizing existing functionality, launching new marketing campaigns, creating product demos/guides and digitizing the customer on-boarding experience▪ Productized and created pricing for ACH services which doubled volume ($4B - $8B) and turned a zero revenue generating product into a $10M ARR business.▪ Tapped to lead partnership engagement and product solution for Buy Now Pay Later (BNPL) with Affirm -
Director Of Product Management - Bill PayGlobal Payments Inc. Sep 2018 - Apr 2019Atlanta, Georgia, UsLed platform and digital product development for US Bill Pay market to address market trends and customer needs. Responsible for R&D, training a 1,700 person sales team, create marketing collateral, UX/UI design including wire framing, Merchant RFP responses, pricing, performing market/competitive analysis and translate qualitative and quantitative user research and usability study outputs to launch successful products and design▪ Reduced boarding time by 75% and improved the developer experience by creating new Payment APIs as well as Java, PHP and .NET SDK's▪ Saved $244K per year in Operational expense (Opex) by performing a vendor ROI for our Interactive Voice Response (IVR) solution and migrating services to a new provider▪ Blocked an M&A deal, saving Global Payments $30M by identifying a discrepancy in the financial statements.
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Project Team MemberNacha May 2020 - Jul 2021Reston, Virginia, Us▪ Working with industry leaders from Visa, MasterCard, Capital One, JP Morgan and others contributing to industry briefs related to Conversational Commerce technology -
Member Board Of DirectorsMobile Payment Conference Nov 2019 - Jul 2021Atlanta, Georgia, Us▪ Annual payments conference that brings together leading experts in FinTech, Mobile Payments and Digital Technology▪ Approve conference topics, moderate and lead speaking sessions -
Senior Manager - Enterprise Platform Product ManagementChange Healthcare Sep 2016 - Jul 2018Nashville, Tennessee, UsLed product and platform initiatives for the Communications and Payments line of business ($175M P&L). Collaborate with System Architecture, Infrastructure, Data Analytics, Design, Security, Engineering, Quality, Product, Release Management, Operations, Marketing, Finance, Account Management and Legal to ensure symmetry on strategy, scope, priorities and scheduling for all product releases▪ Delivered the largest platform consolidation in Change Healthcares history which helped reduce operating expense by $15M▪ Launched Change Healthcare’s first generally available blockchain solution utilizing Hyperledger fabric featuring claims management transparency that allowed 50 million transactions per day and processed 550 transactions per second▪ Developed a SmartPay solution for consumer payment offerings which included text notifications, text-to-pay and new user interface for customer portal which led to revenue retention of $1.19M and incremental revenue of $1.2M -
Strategic Program Manager (Bank Level: Fvp)Truist Jul 2013 - Sep 2016Charlotte, North Carolina, UsLed C-Suite programs for Treasury and Payments, IT Infrastructure, Analytics and Marketing. Provided leadership, mentoring and performance reviews for IT project managers and was a trusted advisor and consultant to executive sponsors▪ Slashed implementation cycle time by 26% and product cancellation by 41% through streamlining and automating the client onboarding process for Treasury and Payments -
Business Solutions Manager - Home Depot (Bank Level: Vp)Citi Sep 2011 - Jun 2013New York, New York, UsResponsible for product strategy and long term roadmap activities, including market research, persona creation, MVP definition, detailed Product Requirements Document (PRD) for the Home Depot Private Label portfolio. Designed end-to-end Corporate Investment Management process. Gained buy-in on process including 1, 3, 5-year EBITDA calculations and assessment criteria from leadership▪ Boosted revenue for Home Depot’s Pro Services business by 27% and increased customer conversion rate by 47% by developing a automated booking solution▪ Innovated the addition of the Home Depot private label card in the PayPal wallet - which led to $60M in incremental revenue and $387M in GMV - without a contractual agreement between Citi and PayPal -
Senior Business AnalystThe Home Depot Jan 2010 - Sep 2011Atlanta, Georgia, UsLed mid-sized ($500K to $3M) IT risk and compliance projects utilizing SCRUM approach. Held all 3rd party offshore vendors accountable for maintaining their Payment Card Industry (PCI) controls and Service Level Agreements (SLA’s)▪ Saved Home Depot $50,000 a month in fines by implementing soft-token RSA Two Factor solution for all third party offshore vendors that handled sensitive data -
Lead Business System AnalystAtlanticus Jul 2005 - Dec 2009Atlanta, Ga, UsPartnered with the transaction management technology team to develop new products and re-engineer business processes across all transaction channels (ACH, Debit and Credit). Analyzed, and presented financial report utilizing SQL for fraud, risk and finance groups for nightly posted batch▪ Generated incremental revenue of $56M year-over-year by leading the conversion of all branded cards to Private Label
Ammar Ahmed Education Details
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Parker College Of Business-Georgia Southern UniversityGeneral -
New York Institute Of Technology
Frequently Asked Questions about Ammar Ahmed
What is Ammar Ahmed's role at the current company?
Ammar Ahmed's current role is Entrepreneur I Product Executive I Mentor I Singer/Songwriter.
What schools did Ammar Ahmed attend?
Ammar Ahmed attended Parker College Of Business-Georgia Southern University, New York Institute Of Technology.
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