Md. Ashrafuzzaman Email and Phone Number
Expart in Fintech, digital banking and payment product management, growth and analytics. Have regorous experience in preparing strategy, roadmap, product planning and implementation, product development, data analytics (Tableau, PowerBI, Python, Excel etc.) Campaign Management, Communication planning and Customer Lifecycle Management.
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General ManagerBkash Limited Apr 2024 - PresentDhaka, Bangladesh -
Deputy General Manager, Product Growth, Financial ProductsBkash Limited Jul 2021 - May 2024Dhaka, BangladeshProducts: Bank, Card, Remittance, Digital Insurance, Loan, Savings, Micro-finance, Payment, ATM CashoutKey Responsibilities:★ Prepare product strategy & road-map★ Revenue planning, budget and implementation★ Market visit to understand customer feedback★ Product performance monitoring and growth drive★ Strategic campaign planning & performance analysis★ Drive bKash app activation, retention and growth★ Data driven decision making, prepare reporting and… Show more Products: Bank, Card, Remittance, Digital Insurance, Loan, Savings, Micro-finance, Payment, ATM CashoutKey Responsibilities:★ Prepare product strategy & road-map★ Revenue planning, budget and implementation★ Market visit to understand customer feedback★ Product performance monitoring and growth drive★ Strategic campaign planning & performance analysis★ Drive bKash app activation, retention and growth★ Data driven decision making, prepare reporting and presentation to the top management ★ Develop UI/UX design★ Work with QA, Operations, Commercial, Marketing, Reconciliation, Customer service and other cross-functional teams to ensure timely product delivery in line with GTM plan and growth drive Show less -
Financial Products ManagerBkash Limited Mar 2021 - Jul 2021 -
Associate Product Manager - Cards & Digital Financial ServicesThe City Bank Ltd Jan 2018 - Feb 2021Dhaka, Bangladesh• Project And Products:Instant Card Issuance, Virtual Card, Digital Acquisition, Dual Currency Debit, Micro ATM, Customer and Merchant Loyalty, Ecommerce, Early Engagement, Charn Management, Digital Financial Services etc.• Business Analysis & Customer Lifestyle Management:Develop and design campaigns to increase revenue; responsibilities include – case analysis, campaign design, acquisition & marketing strategy and budget forecast. • Strategic Marketing &… Show more • Project And Products:Instant Card Issuance, Virtual Card, Digital Acquisition, Dual Currency Debit, Micro ATM, Customer and Merchant Loyalty, Ecommerce, Early Engagement, Charn Management, Digital Financial Services etc.• Business Analysis & Customer Lifestyle Management:Develop and design campaigns to increase revenue; responsibilities include – case analysis, campaign design, acquisition & marketing strategy and budget forecast. • Strategic Marketing & Planning:Design the yearly campaign calendar & strategic marketing initiatives for overall Cards Business in line with the bank’s revenue budget to maintain the TOM awareness among target base.• Portfolio Management:Monitoring & analyzing the key factors of issuing portfolio (card activation and churn management, sales, acquiring initiatives, activation & service) and design categorized programs, worked together with Branch Banking and Sales team to meet the yearly sales & business growth target.• Loyalty Program Management:Manage Membership Rewards program, develop campaigns and launched better point redemption options to stimulate spending on cards and implement customer retention & engagement plans through value propositions.• Strategic Partnership Management:Strategic Partner management, negotiate with potential and existing strategic partners for better deal.• Service Quality & Complain Management:Implement Service Level Agreement (SLA) among the stakeholders and take initiatives to increase Customer delight through ensuring quality service and manage the customer complain, introduced monthly best service executive awards to motivate the executives. Show less -
Assistant Manager - Loyalty, American ExpressThe City Bank Ltd Dec 2015 - Dec 2017Dhaka• Loyalty Program Management:Manage Membership Rewards program, develop campaigns and launched better point redemption options to stimulate spending on cards and implement customer retention & engagement plans through value propositions.Perform periodic and post-campaign KPI analyses to inform the business and shape future strategies. • Strategic/Loyalty Partnership Management:Support partnership development and ongoing engagement for the loyalty program across various… Show more • Loyalty Program Management:Manage Membership Rewards program, develop campaigns and launched better point redemption options to stimulate spending on cards and implement customer retention & engagement plans through value propositions.Perform periodic and post-campaign KPI analyses to inform the business and shape future strategies. • Strategic/Loyalty Partnership Management:Support partnership development and ongoing engagement for the loyalty program across various categories. Engage with external partners to develop unique rewards experiences for our loyalty members. Collaborate with internal teams to build rewards strategies that drive program engagement. Build test & learn strategies to enhance the program’s value for partners. Collaborate with partners to build campaigns that drive loyalty marketing goals. Strategic Partner management, negotiate with potential and existing strategic partners for better deal.• Business Analysis & Customer Lifestyle Management:Develop and design campaigns to increase bill business; responsibilities include – case analysis, campaign design, acquisition & marketing strategy and budget forecast. • Strategic Marketing & Planning: Design the yearly campaign calendar & strategic marketing initiatives for overall Cards Business in line with the bank’s revenue budget to maintain the TOM awareness among target base • Portfolio Management: Monitoring & analyzing the key factors of issuing portfolio (card activation and churn management, sales, acquiring initiatives, activation & service) and design categorized programs, worked together with Branch Banking and Sales team to meet the yearly sales & business growth target. Show less -
Business Support - Financial AnalystLankabangla Finance Oct 2012 - Dec 2015Safura Tower, 20 Kemal Ataturk Avenue, Banani, Dhaka.Analyzing financial statements, performance and Cash-flow of corporate and institutional clients, Preparing reports and projections based on this analysis, Develop Projected/Forecasted Financial Statement for Project Finance, Evaluating current capital expenditures and depreciation, Exploring investment opportunities, Establishing and evaluating profit plans, Identifying trends in financial performance and providing recommendations for improvement, Industry analysis, Credit Risk Grading (CRG)… Show more Analyzing financial statements, performance and Cash-flow of corporate and institutional clients, Preparing reports and projections based on this analysis, Develop Projected/Forecasted Financial Statement for Project Finance, Evaluating current capital expenditures and depreciation, Exploring investment opportunities, Establishing and evaluating profit plans, Identifying trends in financial performance and providing recommendations for improvement, Industry analysis, Credit Risk Grading (CRG) report making, Coordinating with other members of the finance team to review financial information and forecasts, Providing financial models and forecasting, Preparing Loan Appraisal and Analysis of Financial Statements of Corporate Clients. Prepare Call Reports, CPV and Create Customer Profile (CIF) and Credit Proposal for Corporate Loan, Home & Mortgage Loan, SME Loan and Auto Loan, Analysis of financial status (Profit and loss A/c, Balance sheet, cash flow and ratio) to evaluate the credit worthiness of the borrower, Analysis of the entrepreneur, guarantor and other security, Maintaining good relationship with customer for customer satisfaction, Tracking the existing NPL (Non-Performing Loans), Keep myself updated on market strategy. In addition to that, Branch GIS and Admin Support (Office Rent, Utility Bills, Purchasing of all Stationary and Sundry Items, and providing those to all departments as per requisition), Daily recording and Maintaining Petty Cash. Show less -
Project InternshipBrac Bank Limited Mar 2012 - Jun 2012Anik Tower, Niketon Gate 4, Gulshan Tejgong Link Road, Gulshan 1, Dhaka.Market Survey, Direct Customer Communication, Data Management, Report Generating through SPSS, MS office softwares, work for Bank's Product Program Guideline (PPG). comparing product features with existing competitor's product available in the Industry.
Md. Ashrafuzzaman Education Details
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Accounting Information System -
Accounting And Finance -
Dhaka Board5.00 (A+)
Frequently Asked Questions about Md. Ashrafuzzaman
What company does Md. Ashrafuzzaman work for?
Md. Ashrafuzzaman works for Bkash Limited
What is Md. Ashrafuzzaman's role at the current company?
Md. Ashrafuzzaman's current role is Senior Growth Product Manager || Fintech || bKash || Financial Products.
What schools did Md. Ashrafuzzaman attend?
Md. Ashrafuzzaman attended University Of Dhaka, East West University, Dhaka Board.
Who are Md. Ashrafuzzaman's colleagues?
Md. Ashrafuzzaman's colleagues are Nahian Anzara, Talha Ahmed, Durjoy Sarkar, Sanjoy Dutta, Anik Hasan, Anindah Das, M. Khan.
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Md. Ashrafuzzaman
"Head Of Retail Lending | Expert In Sales Leadership, Portfolio Growth, And Strategic Lending Solutions"Bangladesh -
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