- Designed and implemented data modeling and process automation for clients like Bank Melli, Asia Insurance, and MAPNA, improving efficiency and accuracy.- Developed data visualization platforms to provide actionable insights and enhance decision-making.- Built AI-driven decision-support systems for improved operational outcomes.- Created trigger-based marketing automation tools for VOD platforms and online grocery stores.- Collaborated with teams to deliver tailored solutions, optimizing operations and customer engagement.

- Developed financial and business models for BNPL projects and implemented strategies to enhance profitability and user experience.- Optimized tourism profitability through partnerships with airlines and rail companies, and created action plans for Parsian Hotel in Mashhad.- Built credit scoring models to predict customer default rates and churn, improving credit allocation efficiency.- Collaborated with the marketing department to design and evaluate campaigns, improving resource allocation and customer engagement.- Worked with cross-functional teams to enhance internal efficiency, profitability, and user satisfaction.

- Led data-driven digital product strategy and agile implementation at IranZamin Bank, focusing on enhancing product delivery.- Leveraged business intelligence to monitor and optimize customer interactions across banking channels, significantly improving user experience and loyalty.- Engineered advanced customer segmentation and personalized banking campaigns utilizing traditional models (LRFM, CLV, Clustering) and dynamic approaches (grouping and labeling), significantly boosting customer retention and acquisition.- Designed gamification models and a mathematical model for CLV to increase customer engagement and loyalty.- Managed cross-functional teams to develop and launch business intelligence dashboards and user portals, streamlining data analysis and decision-making processes.

- Authored business plans and financial forecasts, driving strategic development for projects and Neobank products.- Improved digital banking processes by analyzing user behaviors, boosting efficiency and customer satisfaction.- Developed a 5-year strategic business plan for a leading neobank, guiding market expansion and positioning.- Managed financial budgeting and planning for the bank and subsidiaries, ensuring alignment with strategic goals.- Led the development of business models and KPIs for a banking app platform and a prominent VOD operator, enhancing data-driven strategies and financial products.- Working with the BI team to develop new quantitative indicators.

- Spearheaded the creation of a marketing research platform utilizing questionnaires, interviews, and focus groups for targeted data collection.- Engineered an advanced user profile system, sorting data into key behavioral, psychological, demographic, and financial categories.- Integrated emotional and cognitive intelligence models to deepen customer insights.- Developed real-time reporting dashboards for immediate access to marketing research outcomes.- Established an employer interface for precise survey targeting and customization, enhancing research effectiveness.

- Led the launch of a study application in Canada, integrating a multivariable engine for student eligibility, streamlining the user journey.- Developed the business plan and model, including financial projections, to refine the application's market strategy.- Performed market research and benchmarking to tailor business models and value propositions, addressing key customer pain points.- Applied agile methodologies for efficient product development and backlog management, improving team efficiency and product timeliness- Negotiated partnerships with over 15 Canadian universities to waive application fees, and directly managed the UI/UX design team to enhance application simplicity based on user research.

- Developed an NFC-based micropayment platform for seamless transactions.- Created a personal financial management (PFM) module offering expense tracking with personalized saving and investment advice.•Secured a partnership with the Karaj taxi organization to equip local taxis with NFC payment capabilities.- Implemented a gamification feature in the PFM module to foster user engagement by comparing expenses with peers.- Successfully negotiated and attracted capital through detailed presentations of the business plan, model, and financial projections, culminating in a contract with Parsian Bank for instant small payment settlements.

- Managed the registration and review of accounting and payroll documents, ensuring accuracy and compliance.- Produced accounting and financial reports for managers and stakeholders, facilitating informed decision-making.- Prepared comprehensive financial statements, including profit and loss accounts and cash flow statements.- Handled tax return preparations and engagements with tax authorities, ensuring timely and accurate submissions.- Calculated personnel salaries and prepared insurance lists, alongside contributing to cost calculations and industrial accounting practices.