Polyacrylamide Chemistry. Involved with New Product Formulations. Product applied in Water Treatment, Oil & Gas, Mining and Paper industries. Anionic, Cationic, and Ionic environment. In the Oil & Gas industry the product is mostly referred as Friction Reducers.

◄ Founder & CEO at Celeritas Chemicals Ltd., USA ►▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Celeritas Chemicals is a leading supplier of chemical raw materials, additives and ingredients of commodity and specialty chemicals around the world. Celeritas deals with global logistical challenges, the sourcing of products at the best price point and the manufacturing of bespoke components for the Oil & Gas industry.I started this venture along with 3 individuals and was responsible for taking the Company from inception up to making millions of profit over a 10 year time period.Combining my technical education and vast experience in finance and logistics, I built this international business from a home office to a 57,000 square foot manufacturing facility with 17 associates serving the oil, paint, and coatings industries respectively.Under my leadership, Celeritas sourced raw materials and finished goods around the world by keeping robust profitability. By piggy backing on the oil & gas fracking business, I was able to manage not only its growth to $70 million. Also due to precipitous downturn in the oil & gas business, managed the downturn by effectively reducing costs in a strategic manner then selling the major asset for the business to achieve 31% overall return.My responsibilities included:► Developing and improvising business plans that catered to needs and specific client requirements at different points in time.► Conducting businesses for Celeritas Chemicals in China, Malaysia, Canada, Mexico, Turkey, and United Kingdom.► Vertically integrating the raw materials supply chain into value added manufacturing thereby increasing the product margin as well as reducing the cost to the end customer.► Presenting & selling the business concept to ‘C’ Suite organizations and ensuring business building opportunities.► Managing supply chain activities effectively, identifying raw materials needed to develop unique products, keeping product profitability in mind.

◄ Senior Manager at Bearing Point (KPMG Consulting), USA ►▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬BearingPoint is a leading global consulting firm with management and technology capabilities. Now known as KPMG Consulting, it has operations in 21 countries with around 3,700 employees and is one of the largest management consultancies.As Senior Manager for business operations, I led a team of 20 international consultants to completely create and optimize the e-business strategy of ABSA Bank.Considering this was a failing project that I effectively turned around pulling together not just the reborn strategy but also an implementation plan for the bank to continue its success.I worked in a team of 5 proactive business professionals who were responsible for managing e-Procurement and Electronic Data Interchange modules respectively.Primarily involved with the purchasing card business for VISA, I and my team successfully managed the supply chain processes in depth as well.Responsibilities included but were not limited to:► Leading a team of business executives, sales and marketing personnel, finance executives and accounts executives to manage client operations.► Serving clients of KPMG by advising them on various money factors, cost cutting measures, revenue management strategies besides business process improvement initiatives.► Analyzing past and present performances, managing data by operating on available MIS and recommending solutions to finance related problems for respective clients.► Working in a team, synchronizing results every month and quarter, preparing appropriate reports and forwarding the same to senior management for reviews.► Establishing KPMG as a leading brand in finance and business consulting and helping them build a positive reputation in front of clients.

◄ Managing Director at Riyad Bank, KSA. ►▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Riyad Bank is one of the largest financial institutions in Saudi Arabia and one of the most important in the Middle East. As Business Manager – Consumer Loans, I led a multinational team to design and deliver consumer Co. Lending products and be responsible for the P&L for the product area within the financial services group. On the whole, I was in charge of all strategic commercial decisions including pricing, market entry, demand generation, channel management, joint ventures et al.At least 5 employees reported to me directly and overall I managed a team size of 13 members. I created revenues worth approximately $ 78 Million Saudi Riyals in 18 month working contract there. I reported to the Executive Vice President responsible for consumer banking.My responsibilities included but were not limited to:► Providing visionary leadership to my team of personal loan officers, executives, assistants and managers respectively.► Setting benchmarks and targets besides deadlines for sale of personal loan products on a quarterly and annual basis.► Managing related IT tools, MIS Data Management and coordinating with IT experts for pulling data and utilizing them for effective analysis and developing strategies by using the data.► Planning, forecasting, budgeting and implementing cost control measures across the board to regulate processes and optimizing utilization of resources and budgets.► Operating with a strict focus on business profitability besides facilitation effective decision making and complex problem solving.

◄ Director- Market Development | Director – Product Development at VISA International, USA. ►▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Visa Inc. is a multinational financial services corporation headquartered in California, USA. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards and debit cards.As Director for new market development, I opened the largest untapped government market for credit card acceptance for Visa USA. By deploying effective strategies and working with key merchant banks, transactions processors and issuing banks, the card volume grew from USD 770 Million to $5.3 Billion. This effort was due to focusing critical large volume entities such as the US Postal Service, Department of Revenue and State Universities across the United States.This effort dealt with internally selling the market concept to the Executive management of Visa, and getting approval from the Visa USA board to move forward to develop this market. I also led one of the most central technological changes at Visa – the change in basic card technology from magnetic stripe to chip and pin. Other core responsibilities included:► Exploring new markets, initiating dialogs with business leaders and striking business deals that would escalate business profits for VISA Inc.► Working in a team of 30+ relationship managers proactive sales, marketing and business development executives who collectively aimed at expanding markets for VISA cards and miscellaneous products.► Acting as brand ambassador for VISA thereby establishing credibility and positive reputation with clients spread across locations.► Preparing competitive business advertisements tailored for global as well as local marketing strategies in order to enter new markets and establish our brand identity.► Liaising with government officials of various countries, thereby discussing various economic policies, rules and regulations.

◄ Group Product Manager at First Nationwide Bank, USA & Senior Product Manager at Michigan National Bank ►▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬With more than 150 branches in seven states and assets of about $15 billion, First Nationwide Bank was among the largest savings and loan institutions in the United States till the mid-90s. My responsibilities included defining product and proposition strategy across consumer lending products such as loans and cards. Overall, I managed a portfolio of products worth approximately 368 Million USD and created revenues and profitability of the order of 29 Million USD.I grew the student loan portfolio volume by discontinuing educational institutions which had low per student borrowing and very high default rates. Our team primarily focused on four year premier universities where per student loan were higher and the students had the ability to repay the loans and with lower customer servicing costs. As a result of our sustained efforts, loan portfolio grew from $48 Million to $59Million with profitability index to jump from 4.1% ROE to 15.7% ROE in 18 months. Besides, under my leadership, consumer credit portfolio at grew from 360 Million to $540 Million within two years.Other responsibilities included but were not limited to:► Managing a team of Product Managers spread across branches in my area and collectively handling the product portfolio to create profits.► Devising product development plans, conducting related R&D, consulting product development experts externally and coming up with product models that would beat competition.► Managing overall team performances, setting performance benchmarks, writing job descriptions and ensuring optimal sales of FNB products in different functions such as loans, insurance, mutual funds et al.► Creating Business, Market and Product Requirement Documents resp. and conducting user and business surveys to understand customer feedback.

◄ Senior Product Manager, Consumer Credit Products at First Nationwide Bank, USA. ►▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Michigan National Bank was a subsidiary of Michigan National Corporation, a bank holding company whose major subsidiaries operated in Michigan and California. In the early 1990s, Michigan National Bank (MNB) had assets valued at $8.8 billion. In this role, I owned the P&L for a number of consumer credit products across the group. My other important responsibilities included defining product features, defining value propositions and managing overall financial performance effectively. My responsibilities included but were not limited to:► Demonstrating thought leadership crucial to accelerating growth of sales, revenue, and market presence.► Researching and understanding market needs, trends, and competitive landscape.► Creating a clear strategy for our brands and products, delivering clear insights and action plans to improve program performance.► Driving market, product and customer segmentation and industry analysis, defining the customer journey and developing contact strategies besides developing, testing and refining benefits, offers, product positioning and messaging.► Creating detailed product requirements and the go-to-market plan for product launches besides developing detailed use cases and creating detailed user personas.► Bringing in new products to market by analyzing proposed product requirements and product development programs.► Preparing return-on-investment analyses reports besides establishing time schedules for submitting the reports.► Collaborating closely with PR, marketing, channel managers and other cross-functional teams to develop, agree and implement the product management strategies.► Helping the Product and Business Development teams to manage the operational components of strategic partner campaigns besides identifying and driving business growth opportunities.