Retail Banking Leader | Product Innovation | Business GrowthOver 20 years of experience in product management, cross-border payments, and business growth, with a proven ability to drive customer journeys, segment strategies, and partnerships across Retail and Transaction Banking.Strategic Leadership & Product Innovation • Shaped Retail Bank strategy, innovation pipelines, and investment decisions in payment solutions. • Managed multi-billion dollar Retail Liabilities portfolios with targeted value propositions for growth. • Achieved NII & NFI growth across Assets, Liabilities, Cards, and Transaction Banking products. • Created the ‘FX Advisor Model,’ improving FX revenue 4X since 2020, focusing on SME & Affluent segments. • Defined engagement models to enhance individual and SME customer experience. • Navigated Egypt’s hyperinflation crisis, recording growth in deposits, assets, wealth, and FX income.Digital Transformation & Customer Acquisition • Mobile-First Strategy: Redefined customer journeys with mobile-first solutions for operational efficiency. • Digital Onboarding: Launched biometric-driven account opening for individuals and SMEs, with mobile-based sourcing now accounting for one-third of acquisitions. • Communication Strategy: Led digital marketing campaigns with value-driven messaging tailored to industry segments.Digital Payments & Innovation • Cross-Border Remittances: Launched DirectRemit, capturing 6% market share with instant transfers across key corridors. • GlobalCash Card: Introduced a multi-currency prepaid card with MasterCard, supporting 15 currencies and integrated digital payments. • Payment Solutions: Led advanced P2P, B2B, and B2C payments; today, 1 in 3 UAE payments runs on Emirates NBD infrastructure. • Enterprise Platforms: Key contributor to the Payment Hub, SWIFT ISO20022, and blockchain POC initiatives. Actively reviewing Open Banking opportunities. • Fintech Partnerships: Collaborate with 10+ global PSPs and fintechs to explore new payment solutions.Previous Roles & Personal Interests • Launched HDFC Bank operations in Dubai, covering GCC and Africa. • Passionate about ESG and sustainable finance; frequent speaker at conferences like SIBOS, SEAMLESS, and MEBIS. • Avid golfer, traveler, and enthusiast for cultural connections.