Having rich experience in Payment industry currently heading Business Development & Operations, Payment Systems Division at Infotech Group (www.infotechgroup.com).Infotech Group is a leading name in technology, services and consulting fields for last three decades. Its solutions are ‘Brilliantly Built’ with local and global deployment of complex projects such as Capital Markets, Government Solutions, Utilities Automation and Cross-border trading. Infotech has entered in Payment Space and SBP has granted it a Payment System Operator / Payment Service Provider (PSO / PSP) license with in-principle approval for e-Payment Gateway and Automated Clearing House (ACH). Infotech has developed PayMate Payment Suite that aims to target the Digital Payment Space of Pakistan with innovative solutions for customer / Merchant eCommerce payments, Bill Payment Services, Government Payments, Aggregation of Payment etc. with an aim to became an enabling Payment Hub for C2X, B2X, G2X payments with a 360 degree view to serve the Banks, FIs, Customers / Organizations / Billers / Merchants etc. covering all angles from Transaction Initiations to Dispute Resolution while adhering to Regulatory Compliance and Security Standards in a user-friendly manner. IResponsibilities:• Lead Resource for Payment Systems / Services for Infotech PSO / PSP License of EPG and ACH/ECH• Leading team for Product Development• Leading the teams for in-house development for Switch, BPS, Aggregation and related Apps including developing BRS, Flow Diagrams and Business Logics• POC for Government, Utilities, Banks, Billers, Aggregators, FinTechs and other market players in Payment Space • Supervise Teams for Operations and Technical DocumentationAchievements: Deployment of Products by Aug 2018 to meet SBP Pilot Approval Request deadlineExecuted Agreements / MoUs with Banks, Billers, Aggregators, Merchants of Target MarketDemos for Banks, Billers, FinTech

Senior Manager, Business Development at 1LINK (Guarantee) Limited, the largest and de facto national Switch of Pakistan that has also launched country's first Domestic Payment Scheme, PayPak.Lead POC for Billers, BPS related Banking relationships and Government Sector (especially in North Region)Headed the Bill Payment Services (BPS) Business Unit that signed/enabled 40+ new entities (Billers/Initiators/Banks/Exchange Companies/Aggregators)341% increase in 2016 annual New Business BPS Revenue (YoY 2016 over 2015), record BPS new business in 1LINK history (joined team in May 2016) 273% increase in Monthly BPS Transactions during job tenure (MoM, Mar 2018 over May 2016)BPS Unit Crossed (then highest annual record set) Revenue Target of 2017 in SeptemberBPS Services enablement on different banking channels increased by 15%Led 50+ initiatives/closures for prospective/new clients Developed new dispute resolution relationships with BillersPart of BCP, technology acquisition/up-gradation teamsHeld/arranged Training Sessions for Banks Staff in Karachi and LahoreDeveloped BPS Product Paper

Setting up Bank’s Bill Payment Switch, the first instance in banking industry of Pakistan where a bank initiated its own bill payment switch within one year of award of license by SBPInitiated and closed agreements with Utility Companies across PakistanCompliance assurance of SBP regulations vis-à-vis technology deployment and payment solutionsRelationship Management with Utility Cos/leading organizationsFinalization of Service Level Agreements/Contracts with the key Service ProvidersEnhancement of Bill Payment Switch of the bankEnsure smooth end-to-end BPS Operations including complaint management and dispute resolution

Event Management:1. ALIF EXPO Lahore Conceived, Developed and Delivered the Agriculture, Livestock, Industrial and Food (ALIF) Expo held at PC Lahore Oct 30-Nov 1, 20112. Pak Finance Flagship event of first quarter of the Iqbal Year (as declared by Government of Pakistan) with Academic support of Iqbal Academy Pakistan held at Aiwan-e-Iqbal, Lahore March 28-29, 2012Technology/Project Management:1. Awami Markaz Gujranawla automation2. Proposed company-wide SMS-based Information Portals to various Utility Cos those have the potential of direct interaction with customers at very low cost and turnaround time.3. Business, management and technology consulting for SBG, USA for their business ventures in Pakistan

Reporting to Head of IT Infrastructure and Service Delivery with dotted line reporting to Head of ITLiaise with regional and global teams in Process developments and Policy implementation for asset managementProject Management for all IT Asset of Barclays Bank Pakistan, including hardware, software and ATMsCoordination with service providers for technology acquisition and servicesLogical Access Management (LAM) of application usersCoordinate with internal Audit/Compliance for audit/compliance related issuesAssist relevant department in bill paymentsCoordination with relevant internal and external stakeholders for Agreements related issues Suggest, develop and execute cost-saving measures for ICT areas, already planned/execute, resulted in overall saving in excess of many million rupees for 2011

Joined as IT Projects Specialist for Consumer Technology products.Single point of contact with all utility companies for Business and technology issuesLaunched On US ATM Bill Payment Service via 1LINKHeaded the project of Bill Aggregation. Signed agreement with a DISCO, initiated negotiations with other UCsAs Part of the team that initiated the M-banking, Mobilink Genie, project in Pakistan, represented Atlas Bank on different platforms and coordinated with SBP, technology provider, license holder and member banks to present the case to SBP. Approval accorded in January 2009.Project owner of VMS application, an automated Work Flow and Asset Management software for Vendor Management and bank’s internal approval processVendor management of technology partners including Siebel CRM, Call Center, ATM, ADC solution providers and Infrastructure playersSecretary Bank's IT Steering CommitteeResponsible for Budget and planning of technology projects Develop and implemented the Strategy that resulted in cost reduction upto 30% in overall IT Annual Budget.IT department was able to deliver almost twice the projects/deliverable (YoY, 2009 over 2008) with 20% less human resource

Part of team that implemented Misys in a record time in branches in 2007, heading the critical area of vendor management. Lead the Team of eUBS (Electronic Bill Payment Service), the Pioneer service of its kind that was offered in Pakistan which provided centralized bill payment services and digitally served Walk-In customers at multiple banks' branches counters for the first time across PakistanManage Project for the launch of Mobilink Genie (bank side) Pakistan's first Mobile Banking InitiativeClosed the deal and was part of signing team of the agreement with Tameer Bank that led to launch of Pakistan's first Branchless Banking, globally acclaimed, service esypaisa's Bill Payment through KASB eUBSDeveloped SOPs to increase operational efficiency exponentially, reducing dispute resolution from 12% (when took over) to less than half percent (when left) Drafted, negotiated and finalized Bill Payment Agreements with different Utility Companies

ATM inter-bank and inter-branch reconciliationATM PIN printing, inventory control, post-production supervision of ATM Cards Initiate, propose and finalize Technology Acquisition for bank as per business needsMain POC to liaise with leading service providers for core banking, ADCs, ATMs, Switch, Middelware,Infrastructure and NetworkingPrepare annual IT budget for Board of Directors approval Track Annual IT BudgetInitiate, negotiate and finalize Annual SLAs with service providers of all IT ServicesDeveloped and deployed centralized acquisition of IT consumables resulting in substantial cost reduction with improved and uniform quality controlAssist in SBP/external/internal IS Audit