CredibleX powers businesses to provide their SME customers with instant access to lending solutions. Founded in Abu Dhabi in 2023, MENA’s pioneering embedded finance platform was established to address the needs of an underserved SME community that typically struggles to access financing options. CredibleX powers businesses to provide their SME customers and suppliers instant access to credit solutions at scale and without hassle or risk. SMEs instantly access lending solutions, apply in minutes, and receive funds in 24 hours, and all embedded inside the business software and providers they use daily.

• Leading the development of Design, UI/UX (frontend squad), onboarding, authentication, risk journeys to delivery Banking as a Service (BaaS) platform for Standard Chartered Bank.• Responsible for developing and executing on mobile app, design and customer experience strategy.• Managing backlog prioritisation internal squads and external partners • Accountable for scaling the BaaS solution across different e-commerce partners within different markets within the Bank.

• Delivering technology and product roadmap for 7 Customer Squads (Customer, Mobile Services, AML, Fraud, Marketing Automation, Call Centre and Case Management).• Prioritizing tribe backlog and coordinating delivery with other tribe leads and senior management.• Acting as contact point for strategic partnerships and vendor relationship management.• Overseeing delivery of go-to-market strategy and execution to drive the Bank’s acquisitions targets including alpha, beta and public launch.• Leading cross-functional teams and squads to implement an amazing and enjoyable client journey.• Coaching and supporting product owners with key delivery items, blockers and backlog prioritization.• Managing squad cost budget for development and vendors.

• Delivered a digital end-to-end account opening and identity journey for new virtual bank in Hong Kong.• Implemented an end-to-end client journey achieving bank account opening in less than 5min and complying with all Fraud, FCC and regulatory requirements.• Led a team of frontend and backend developers and acted as the key contact point with the design team.• Managed the relationship and governance of more than 10 vendors and partners.

• Supported the Retail Group COO with strategy, transformation, governance, conduct, client experience, operational excellence and cost efficiency work streams.• Led the Retail Transformation efforts globally and centrally developed and tracked Transformation KPIs for Top Markets.• Worked and tracked digital delivery rollout plans of retail banking technology that will lead to 20% increase in revenue and 15% in cost saves for countries across Asia, Middle East and Africa.• Supported management teams with business insights translating investment allocation into tangible revenue and productivity benefits.• Developed a project tracking visualization tool that enabled management to get visibility of digital initiatives landing in all markets.• Led a business efficiency stream to support the Retail Banking cost saving initiatives of USD 330 Million in 2016-17.

• Supported the Retail CEO in the Transformation strategy to achieve USD 240Mio cost saves in 2015, grow affluent clients and focus on digital channels.• Conducted an in-depth analysis and business review of client segments, product mix across 33 Retail Banking markets.• Conducted deep dive analysis on overall Retail strategy focusing on Distribution, Wealth, HR, Finance, Projects & Investment, Credit & Risk and client experience.• Prepared detailed briefs for all global monthly risk committees.• Presented financial models and scenario analysis on the impact of country exits to the client and product mix.• Planned weekly management team meetings in addition to organizing a yearly face-to-face event for the top Retail Banking team and Partners in Singapore.

• Partnered with sales partners to drive increase in sales of Credit Cards and Personal Loans through a series of target interventions to frontline staff which led to ~15-20% increase in new sales.• Led a Retail Sector project as part of a “OneBank” initiative to create a differentiator for the Bank and provide a holistic view of the client relationships across all product lines (Corporate, Commercial, Private & Retail Banking).• Developed a tracking dashboard that enabled better management insight of the current portfolio and improved capacity planning for underwriters within the Commercial & Wealth Management credit risk team.• Drafted and presented the strategy and portfolio standards of newly formed Commercial Clients segment in SCB UAE.• Worked with Distribution and Marketing team on product campaign which led to a 15% increase in online sales.• Managed a Wealth Management contest to grow AUM and focused on increasing Bancassurance revenue by 10-20%.• Initiated a project to change ATM functions that will lead to a $100,000 in cost savings & USD 300K in incremental revenue over 3 years.

• Providing tutoring lessons in “Accounting for Managers’ to more than 100 MBA candidates. • Managing budgets of $15,000 for 15 associations and achieved savings of $5,000 in less than a year.• Overseeing an investment fund of $450,000 it as part of a team of 15 people.

Focusing on Finance and Accounting with interests in Investments, Audit and Corporate FinanceDean's Honor ListPresident of the Finance AssociationTreasurer of the Student AssociationPeer Career AdvisorMerit Based Scholarship

• Tested for SOX compliance and accounting protocols while working with Shared Financial Services to evaluate financial/operational control systems and enhanced timely reporting by 10% through recommending process improvements. • Interacted with executives, managers to assess understanding/effectiveness of an internally developed finance/accounting tool and presented findings to VP of operations and Director of finance.

•Micro-Finance/Investment Project• Developed and researched ways to invest more than $1,000,000 of equity funds in entrepreneurial businesses, as part of the Arab Developer Network Initiative Seed Fund Project.• Researched competitive environment, best incubator practices and the total addressable market for the IT industry in the MENA region that helped in setting up Mercy Corps strategy going forward.

• Successfully led a cross-functional team of 7 MBA candidates to create a new business development plan and develop a sustainable pricing model that would result in 10% increase in revenue.• Performed pricing and competitive analysis to enhance the client’s position in the market.• Developed detailed financial planning forecasts, P&L models and ad hoc analysis of revenue and costs through 2016.• Interacted with client on a weekly basis and attended annual Board of Directors meeting.

• Conducted analytical, substantial, risk and journal entry testing. Issued reports on audit conclusions which were used as recommendations to 10 clients.• Analyzed financial statements of 5 major clients, including 3 consolidated companies and assisted senior auditors in audit projects related to the banking, real estate and food management sectors.• Helped in completing audit engagements, on average, 7% faster than planned.• Presented research regarding stock valuation to senior management and fellow interns.

• Promoted to senior volunteer after one month in order to coordinate operations between the stadium’s staff, the committee and International media. • Managed and assigned tasks to four junior volunteers. Hosted VIP’s and ensured the arrival of athletes and organized distribution of samples to more than 10,000 spectators from 55 participant countries.

•Participated in training sessions for documenting and proper reporting of the elections process•Showed integrity in reporting facts during Election Day in a remote voting site in the Capital•Issued reports on hourly basis to the head office and to the ministry of interior which were presented to the general public through all types of media