Muhammad Ashfaq-Ur-Rehman محمد أشفاق الرحمن Email & Phone Number

Dubai, Ae

Dubai, Ae

FINMAAL, with its multiple business verticals, is on a mission to simplify financial services to make people’s lives easier. We are building innovative and ethical solutions to serve generations by fulfilling their lifestyle-financial needs at every stage of their lives.

Greenwich, Ct, Us

- Advised start-ups in fintech, insurtech, e-commerce and Islamic finance on various matters related to business growth and development.- Advised companies on performance improvement, turnaround, partnerships, building fresh revenue lines and achieving bottom-line success.- Advised board members of insurers and takaful operators on technical and strategic matters, improving top & bottom lines within a risk-controlled environment.- Assisted in forging partnerships and strategic alliances, including international market expansion and cross-vertical business integration.- Established and nurtured financial franchises, such as priority, preferred/personal, wealth management, bancassurance, and takaful, as high-value revenue streams.- Implemented sales and distribution strategies, product development/management, change management, and business process re-engineering to extract real value.- Provided expertise in customer propensity modelling, strategic planning, customer value proposition, operational efficiency, staff coaching/training, and enhancing the customer experience.- Consulted on business governance, including product compliance, seamless processes and procedures, misselling prevention, and risk safeguarding.- Leveraged data analytics to drive informed decision-making and optimize business performance.- Promoted financial literacy and inclusion through educational initiatives and accessible resources.- Embraced design thinking principles to foster innovation and user-centric solutions in the financial industry.

Uae, Dubai, Ae

Joined the company for a simple reason to turn it around and worked closely with the CEO and the team - I was responsible for building and leading multiple functions covering Customer Experience, Strategy, Marketing, Data Analytics, MIS & Project Management at Noor Takaful (Life, Medical & General).

London, England, Gb

As a business head, managed overall insurance mandate for the bank in the country. added multi-million dollar revenue generated through Insurance & Takaful products covering life and general lines.Achieved steady sales growth that made the bank securing 2nd top position across Banca industry in the country. Salesforce productivity improved from 40% to 80%. Banca became the leading revenue generating unit within Wealth Management.Developed & diversified product portfolio across life & general including Islamic insurance products; launched 8 customer-centric products.

Grünwald, Bayern, De

Established multimillion-dollar revenue-generating streams with long term sustainable growth. Developed markets including start-ups, managed projects, launched products, managed distribution partners across UAE, Malaysia, Kuwait & Pakistan.Successfully managed complex business initiatives in relation to Takaful & Investment-linked products' launches, deployed technology-driven POS & Admin solution with the following distribution partners & Takaful Operators across four markets;- AMAN (Dubai Islamic Insurance & Reinsurance), UAE- Abu Dhabi Commercial Bank, UAE- Abn Amro (known as RBS and ADCB), UAE - Emirates-NBD , UAE- Dubai Islamic Bank, UAE - First Gulf Bank, UAE- Mashreq Bank, UAE- Nexus Insurance Brokerage Company, UAE- Al Safat Takaful Company, Kuwait- Takaful Ikhlas Sdn Bhd, Malaysia- AmIslamic Bank, Malaysia- Dubai Islamic Bank, Pakistan- Emirates Global Islamic Bank (currently known as Al Baraka Bank), Pakistan- Standard Chartered Bank, Pakistan- Bank Islami, Pakistan- Muslim Commercial Bank, Pakistan

Grünwald, Bayern, De

Acquired bank distribution partners and rolled out Takaful/insurance & investment-linked products across the regions. Trained staff of the banks and achieved sales results.

Grünwald, Bayern, De

Market research, industry developments, products comparison by analyzing the product suites offered by different banks in the region, market updates...

Grünwald, Bayern, De

Managed enterprise level relationships with Takaful distribution partners (ADCB & AMAN Takaful). Prime responsibilities included sales & relationship management.

Karachi, Sindh, Pk

Worked in various roles where I developed my skills not only in the fields of business development, sales, marketing, customer services and training & coaching but was also exposed to other functions of insurance business such as underwriting, administration, actuarial work etc.One of the pioneers who introduced and developed bancassurance business very first time in the central regions of Pakistan through a strategic alliance between Standard Chartered Bank & Commercial Union Life Assurance; achieved highest sales generated through fewer bank's branches under my responsibilities versus large branch networking i.e. 7 vs 21.Managed critical relationships with more than 600 individual life insurance customers and maintained over 90% retention ratio of personal customer portfolio as well as that of designated branches. Won Top Service Officer awards by providing outstanding service to the customers.Kicked off career initially from Sales. As a salesperson had been very successful in closing deals in a cold calling environment. Crowned with Mr Consistent award by achieving consistent monthly sales targets.

Mba, Advanced Strategy Analysis, Management Decision Making, Relationship Management & Marketing

Islamic Finance:, Islamic Banking & Finance, Islamic Economics, Islamic Law Of Business Transactions

Startup School (Sus)