Hamza Islam Email and Phone Number

Responsible for leading entire customer discovery, product roadmap, prioritisation process, growth, marketing, and key output KPIs including P&L for merchant payments business• Own end-to-end product strategy including market sizing, segmentation, product positioning, acquisition channels, pricing, and risk frameworks • Define and track product-specific goals and ensure they are aligned to overall business goals, purpose, and vision• Identify contextual customer problems, ensure we are customer centric, and our product decisions are data driven• Lead development of new products to increase market share, improve customer experience, and drive growth• Scope and prioritize product development based on business strategy and customer feedback• Lead growth and GTM plans to ensure that they are consistent with product line strategy

Responsible for leading growth of SME products including Merchant acquiring, GTM strategies for new products, uptake of existing products and marketing• Led launch of multiple products including digital merchant onboarding, JazzCash business app and supplier payments• Developed retail payments into a key focus area for JazzCash by attracting over 3 million monthly active customers• Acquired over 150,000 merchants and achieved over PKR 2 billion monthly volume within first 12 months of launch• Increased merchant engagement and stickiness by developing a strong merchant value proposition

Developed Pakistan into a top focus country for WorldRemit – a unicorn global online money transfer serviceResponsible for driving business growth strategy for Pakistan to achieve revenue and gross margin targetsIncreased revenue by 100% in a year by taking strategic decisions on marketing, pricing and alliancesNegotiated and signed commercial agreements with top banks including UBL, MCB and NBP to establish a strong correspondent network in PakistanContributed to product development plans based on live customer feedback, regulatory development and industry dynamicsEstablished strong relationship with the regulator for timely approvals and to stay abreast on regulatory changes

Created an innovative “Go to Market Strategy” for International Remittance and Insurance Negotiated and closed commercial agreements with international partners including Western Union, WorldRemit, HomeSend and MicroEnsureLead development of International Remittance platform and integration with different Money Transfer OrganizationsProcessed more than PKR 400 million worth International Remittances on monthly basis within 2 months of launch Performed in depth competitor analysis to select partners, products, promotions and devise product pricing strategyConducted data analysis on target segment to gain insight on consumer buying behaviorDesigned digital marketing campaigns by working closely with marketing departmentLaunched multiple promotional campaigns for channelConducted extensive training of channel for launch of International Remittance and InsuranceLaunched micro health insurance through the Mobile Money platform, enabling customers at the bottom of the pyramid to have access to affordable insurance

Planned and on-boarded more than 65,000 agents across Pakistan for JazzCash retailer network Enhanced channel efficiency and activity levels through establishing clear channel management processes on cash management, compliance and product usageDeveloped and implemented agent commission and incentive plans, for new and existing products, to maintain agent profitability Project lead for development and commercial roll-out of M-wallet linked ATM cards to support Mobilink’s digital-ecosystem strategic goals

Developed digital marketing strategy for the companyOptimized brand presence on social media and other web-pagesDesigned and conducted multiple customer satisfaction surveys Implement processes for managing end-to-end brand communication

Established 2 bakeries in Rawalpindi and Islamabad which served more than 500 customers daily Hired more than 100 employees to manage daily operationsManaged entire commercial and operational responsibilities; including financial accounting, inventory management and staff training Designed social media campaigns which increased 15% sales