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Arif Raza Email & Phone Number
Head of Digital Payments
at
SAB
1 work email found
@network.ae
LinkedIn matched
✓ Verified August 2026
4 data sources
Profile completeness 100%
Current company
Role
Head of Digital Payments
Location
Riyadh, Saudi Arabia
Company size
Who is Arif Raza? Overview
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Quick answer
Arif Raza is listed as Head of Digital Payments at SAB, a with 5998 employees, based in Riyadh, Saudi Arabia. AeroLeads shows a work email signal at network.ae and a matched LinkedIn profile for Arif Raza.
Arif Raza previously worked as Head of Micro Lending & Fintech Enablement at Sab and Head of Cards & Consumer Payments at Tas'Heel Finance. Arif Raza holds Executive Education: Leadership Principles, Business Administration And Management, General from Harvard Business School.
Company email context
Email format at SAB
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*@network.ae
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Profile bio
About Arif Raza
Award-winning, result oriented Leader with over 20 years of Consumer Banking and Payments industry experience with the largest global banks in the world and with the leading payment products & solutions provider in the region for setting-up and scaling successful, growing and profitable businesses and for creating complete Payment Ecosystem. Seasoned business leader with wealth of experience in creating & driving transformational & disruptive Business Strategies; Product Development & Management and Marketing units; leading large Sales organizations. Proven track record of creating and scaling up Strategic Partnerships & Alliances within the Financial Services & Global Payment Industry. Passionate Digital Banking & Payments mentor with demonstrated exposure in creating and launching best in class lass Digital Products and Payment Solutions; Profit Center Management in large multinational organizations. Proven track record of turning around loss-making, declining business, reestablishing market leadership position trough gaining market share and delivering sustainable double-digit growth. Hands on experience of launching new businesses with Market Winning go to market and Customer Value Proposition in highly competitive markets and delivering results exceeding management and shareholder expectations.An inspiring leader who demonstrates a natural ability to deliver sustainable value, leading change through business strategy and product development, innovation, whilst balancing global, regional and local market needs to optimize corporate objectives across multinational, cross functional and matrix organizations.An ambitious entrepreneurial thinker with the commercial savvy to apply strategic vision and tactical insight to develop scale-able organizational models and collaborative partnerships for year on year growth.
Listed skills include Credit Cards, Portfolio Management, Banking, Strategy, and 42 others.
Current workplace
Arif Raza's current company
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Sab
15 roles
Arif Raza work experience
A career timeline built from the work history available for this profile.
Head Of Micro Lending & Fintech Enablement
Current
Apr 2024 - Present
Head Of Digital Payments
Aug 2021 - Apr 2024
Head Of Cards & Consumer Payments
Feb 2020 - Jul 2021
Head Of Consumer Business
Nov 2019 - Feb 2020
Vice President - Issuing Products; Cards & Digital Payment Solutions
Oct 2015 - Jun 2019
Business Head - Cards & Loans; Sales & Distribution Head
Fully accountable for P&L, a revenue pool of over $35 million per annum and a asset book of $540 million, with direct management of Cards, Loans and Sales & Distribution Channels (Direct Sales, Telesales, Citibank at work), and responsibility for the performance management of a team of 11 direct reports and team of more than 600 staff across Product Management, Sales, Quality & Control and MIS business units Leading strategic initiatives across sales & distribution, customer and 3rd party relations to add value, creating customer value proposition, and a sustainable and profitable Cards & loan business modelSet up governance, knowledge sharing, segmentation and product developments for competitive edge, collaborated with risk team to manage correcting risk mitigation to produce a profitable balance sheet, and managed product/portfolio quality, sales and cost effectiveness of sales & distribution channelsKey Achievements✔Instilled a ‘one team, one goal’ culture ✔Controlled cost/credit to deliver aggressive top-line volumes ✔Improved speed to market ✔Championed digitalization ✔Drove segmentation, acquisitions and feedback mechanisms ✔Created new sales & distribution channels ✔Implemented early customer engagement programs ✔Spearheaded transaction based revenue growth
Mar 2012 - Oct 2015
Cards Business Head
Provided hands-on leadership to turnaround the declining Cards business, re-establishing market leadership and regaining 300+ bps of market share; developed and executed an aggressive ‘Cards Business Lead’ Consumer Bank hyper growth strategy; over delivered first 2 years and paved the way for the future business growth. Implemented a segment base product lead strategy for the business and brought double digit growth and positive EBIT in the most stressful of market situations, launched innovative unique products to market including 2 Premium Card products and helped the bank win “Best Card of the Year” award Enhanced customer satisfaction reflected in the increase in Net Promoters Score from -12% to +53% on year on year basis, demonstrating higher standards of customer confidence, developed and implemented the customer profitability based retention model Key Achievements ✔ Launched awards winning Premium Card products ✔ Led a number of ATL & BTL campaigns ✔ Expanded Card Portfolio programs ✔ Strengthened existing and created new acquisition distribution channels ✔ Established strong relationships with cobrand partners ✔ Developed & launched early customer engagement programs ✔ Led a number of ATL & BTL campaigns including first TV commercial for the Cards business
Nov 2010 - Feb 2012
Loan Business Manager & Alternate Sales Channels Head
Developed and impleted loan business growth startegy. Built NTB sales channels and strengthen cross sell processes. Implemented proactive customer retention strategy. Also develop alternate sales channels for Cards & Loans.
May 2010 - Nov 2010
Cards Business And Marketing Head
Lead the Card business setup in Egypt. Manage overall strategy and business development to establish market leadership position. Monitor business financial performance, identify opportunities and risk, build these in the business strategies.
Apr 2007 - Mar 2010
Head Of Portfolio Managment & Decision Management Unit
Managed growing Credit card portfolio delivering double digit growth and profitability. Indentified & implemented strategic initiatives to convert opportunities into growth and maximized profitability from existing customer portfolio leveraging all customer touch points. Launched fastest growing Telecommunication co-brand and Visa Debit Card. Developed Revolving Credit Line proposition [Ready Credit].
Jul 2005 - Feb 2007
Business Head Revolving Credit Line [Cashline]
Launched & managed fastest growing unsecured running finance business ‘Cashline’ with a unique selling proposition - “Spend More –Pay less”.
Dec 2004 - Jun 2005
Head Of Acquiring & Payment Solutions Business
Managed Cards Acquiring business. Master minded & launched the major promotion that changed the Oil Marketing industry dynamics [No Surcharge on Credit Cards]. Successfully launched business in new Cities - Hyderabad, Sialkot, & Gujranwala
Nov 2003 - Nov 2004
Sales Management – Credit Card & Personal Loan - Pakistan
Positioned at number of key roles within Sales management in various regions of the country and launched new sales channels.
Aug 2001 - Nov 2003
Customer Service Management
Managed the call center and supported business through providing best in class service to the Consumer Bank customers and introduced Sales at CitiPhone concept.
Jun 1996 - Aug 1999
3 education records
Arif Raza education
Executive Education: Leadership Principles, Business Administration And Management, General
Harvard Business School
Post Graduate Diploma, Digital Business Strategy & Marketing
Columbia Business School
Mba, Business Administration & Managment
Lahore University Of Management Sciences
FAQ
Frequently asked questions about Arif Raza
Quick answers generated from the profile data available on this page.
What company does Arif Raza work for?
Arif Raza works for SAB.
What is Arif Raza's role at SAB?
Arif Raza is listed as Head of Digital Payments at SAB.
What is Arif Raza's email address?
AeroLeads has found 1 work email signal at @network.ae for Arif Raza at SAB.
Where is Arif Raza based?
Arif Raza is based in Riyadh, Saudi Arabia while working with SAB.
What companies has Arif Raza worked for?
Arif Raza has worked for Sab, Tas'Heel Finance, Bank Alfalah Limited, Network International, and Citibank N.A.
How can I contact Arif Raza?
You can use AeroLeads to view verified contact signals for Arif Raza at SAB, including work email, phone, and LinkedIn data when available.
What schools did Arif Raza attend?
Arif Raza holds Executive Education: Leadership Principles, Business Administration And Management, General from Harvard Business School.
What skills is Arif Raza known for?
Arif Raza is listed with skills including Credit Cards, Portfolio Management, Banking, Strategy, Management, Retail Banking, Credit, and Risk Management.
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