Provided consultancy services to several conventional and Islamic banks operating in the GCC region in the consumer and retail banking space. Scope of engagements included projects on building customer acquisition infrastructure; re-aligning overall distribution structure; customer retention and loyalty; enhancing customer service; restructuring Consumer Banking organisations; streamlining pricing structures, etc.

Promoted start-up of Betaqat LLC - a 100% owned subsidiary of al khaliji – focused on provision of specialised financial services to banks and finance companies in Qatar and the GCC including credit and debit cards processing, transaction management, dispute resolution, collections support, fraud management, etc. Reported to the Board, and was a Member of the Management Committee of al khaliji bank. The project was under formation on the Qatar Financial Center platform until a… Show more Promoted start-up of Betaqat LLC - a 100% owned subsidiary of al khaliji – focused on provision of specialised financial services to banks and finance companies in Qatar and the GCC including credit and debit cards processing, transaction management, dispute resolution, collections support, fraud management, etc. Reported to the Board, and was a Member of the Management Committee of al khaliji bank. The project was under formation on the Qatar Financial Center platform until a change in al khaliji’s strategy - forced by adverse economic conditions created by the global banking crisis - forced its abandonment. Show less

Reporting to the Group CEO was a member of ALCO and Management Committee of the bank. As Head of the Retail Banking Group, was completely accountable for the P&L and Balance Sheet of the business. Responsible for the set-up from scratch and operations of the entire distribution network of the bank (including branches, ATMs, Contact Centre and Internet banking, etc.), product development, CRM function, credit cards business, deposits business development, Direct Sales teams for… Show more Reporting to the Group CEO was a member of ALCO and Management Committee of the bank. As Head of the Retail Banking Group, was completely accountable for the P&L and Balance Sheet of the business. Responsible for the set-up from scratch and operations of the entire distribution network of the bank (including branches, ATMs, Contact Centre and Internet banking, etc.), product development, CRM function, credit cards business, deposits business development, Direct Sales teams for consumer asset products, etc. Show less

Reporting to the CEO and a member of the Management Committee of the bank, held full strategic planning authority and total accountability for P&L and Balance Sheet growth of the business.

Advanced to lead the Mashreq franchise in Qatar and challenged to turnaround a history of declining revenues and financial losses. Held full authority for strategic planning, P&L management and Balance Sheet growth, and was also responsible for corporate governance including relationships with Qatar Central Bank, Qatar government, etc.

Recruited to reorganize/streamline marketing of all retail banking products and revitalise stagnant sales through fresh business strategy and plans. Spearheaded the structural overhaul by implementing vigorous new marketing and sales plans.

Responsible for all consumer finance and payment products and the Marketing function.

Seconded to SAMBA - an affiliate of Citibank - as an International Staff of Citibank, New York with responsibility for managing customer acquisition, sales, marketing, and merchant acquiring of SAMBA credit cards.

Pioneered the credit cards industry in Pakistan by launching the bankcards business for Citibank in 1994. Responsible for all aspects of marketing, sales and merchant acquiring.

Held various leadership positions in marketing and sales at ICI Paints based in the UK and Pakistan.