- Spearheaded the Project Management and Delivery of an Account-Based Ticketing System for RTA, utilizing advanced digital technologies to enhance user experience and operational efficiency.-Demonstrated exceptional leadership as a Delivery Project Manager, successfully managing end-to-end project lifecycles in the digital domain, ensuring on-time delivery within budget constraints.- Strategized the seamless migration of 8 million nol cards to white label EMV standards and integration with local scheme.- Expertly led multidisciplinary teams, applying strategic foresight and resource allocation to achieve project goals and exceed client expectations.- Showcased expertise in risk management by proactively identifying and mitigating potential challenges, ensuring project success.- Committed to client satisfaction through transparent communication and alignment of project deliverables with client-centric objectives, fostering long-term partnerships.- Leveraged process optimization skills to drive operational efficiencies and maintain high-quality standards throughout project development and delivery.- Employed a results-driven approach and analytical acumen to identify improvement areas and implement strategies to enhance overall project performance in a technology-driven environment.

- Acted as the primary liaison between consortium partner banks and project stakeholders, ensuring seamless communication and collaboration.- Spearheaded partnerships, relationship management, and service delivery projects, driving successful integrations with partner banks for wallet issuance and merchant acceptance.- Designed and enhanced wallet usage from issuance, enriching product offerings and ensuring compliance with Wallet issuance, Remittance services, KYC solutions, and Mastercard scheme standards.- Collaborated with partner banks on the design and implementation of a comprehensive wallet ecosystem for issuance and acquiring services.- Directed product management for financial institutions, focusing on diverse bank wallet use cases such as P2P, P2M, cash in, and cash out.- Managed and enhanced onboarding processes for KYC partners, including UAEPASS, EFR, and ICP, ensuring streamlined and compliant operations.- Maintained relationships with billing aggregators to facilitate telecom top-ups, utility bill payments, and other services.- Developed and implemented business strategies for acquiring banks and the creation of the Klip B2C application- Collaborated with cross-functional teams to plan, execute, and monitor business plans and budgets, enhancing user experience for partners.Key Achievements- Integratedmultiple banks' core systems with the Klip wallet ecosystem, including issuing and acquiring services (RAKBANK, ADCB, Sharjah Islamic Bank, Bank of Sharjah, FAB (payit wallet), Mashreq, etc.).- Successfully signed up with a remittance service provider and integrated their services with the core system after conducting RFIs and evaluation criteria.-Evaluated and signed partnerships with billing aggregators, as well as cash-in and cash-out channels.-Delivered and managed wallet issuance and QR payment enablement for multiple banks.-Established partnerships with local service providers for cash-out channels and remittance services

Responsible for Partnerships, Product Design, Business Feasibility, Project Managment.I have launched micro payments using transportation card (NOL) in UAE. Currently we have more than 10,000 point of sales serving million of cards cards which impact their daily life and provide ease and convenience. The same card use in Dubai parks partnering with municipality Business project manager of micro payments, electronic channels, top ups for NOL (contact-less prepaid cards) & e-Wallet- Building new business alliances, business cases and manage public private partnership initiative, distributors and govt. agencies- Gathers and prioritizes existing business development initiatives- Project management, UAT, contracts & coordination- Product development & Product Road Map- Managing business projects, building forecast and business cases- Building business processes & Managing Risk (Management)- Building reports, presentation for strategy- Building electronic sales and top up channels (KIOSK, Website, Mobile application)- Building user experience and interface for RTA mobile applications- Negotiating contracts and lead business development & marketing activity- Building RFP/ RFQ / RFI- Manages all phases of business development - identification, qualification, proposal and closing

Senior Business Manager for Emerging Payments which includes.- Mobile Remittances - mobile Payments- Utility bill payment system- Online remittances (enmores.com)- Business Development- Product Marketing- Business Strategy- E commerce Business for online remittance etc

Complete product management of Mobile Wallet and related applications (p2p, p2b, b2p, top-up, billpayments etc) Mobile Money Transfer and Remittance Services (domestic & international.) Managing International Airtime top-up business Product Marketing & Services Managing remittance & Partnerships with Banks and Exchange companies Building product marketing campaigns with agencies and marketing communication. Internal & External Initiatives mWallet with NFC (MasterCard paypass project) Developing Business Cases & business assessment. Initiating New Business Requirements Negotiating with Partners & Counter Offers. Conducting nationwide training and developing the related materials. Coordinating with Legal, Finance & other department for day to day affairs. Forecast & Analysis, Presentations to the management

Managing the Business Unit of Mobility in Access Group for mobile wallet and mobile payments Heading mobile Banking (Fundamo) & Mobile VAS solution Managing Sales and Business Development for Banking and mobile commerce Branch less banking (mobile wallet) Mobile Commerce initiatives Pre-Sales / Post Sales Corporate Banks and others Mobile Operators integration connectivity Team management Involved in various payment and branchless banking project with different companiesBuilt strong relationship with Banks and telecom operator and launch mobile banking services in Pakistan.

Heading Business Development Unit.Platforms Sales, Content distribution, B2B Telecoms relationships & Sales.

• Head of Sales & Strategy development for telecom operators (Mobile GSM, WiMax, DSL & WLL)• Business development and New Product Development • Building & maintain relationship with all GSM operators & Content providers.• Design and implement the Digital content distribution, formats & ingestion on network.• Category owner for all new business lines including: Classifieds, Sport, gaming, workplace solutions, Broadband, partner affiliations• Digital activation strategies for mobile, FMCG & broadband customers.• Responsible for P&L as a business unite head.• Project Management• Experience in Planning, implementation & execution• Presentations, Business Forecast & Analysis.• Licensing & coordination with PTA for regularity affairs, • Involved with day today activity and ongoing companies operations.• Involve in social networking, mobile and internet based portals campaigns such as facebook, twitter with SMS & IVR.• Interactive campaigns for LIVE TV channels & content management ARY Digital Channel (ARY NEWS, ARYONE etc.) SAMAA TV ChannelsAchievements:• Lauched Pakistan first content rich mobile memory card project nationwide.• Launched SMS & IVR services for white label brands on premium short codes.• Launched Pakistan 1st Broadband entertainment portal for Pakistan largest telecommunication company PTCL.• Launched Pakistan 1st Mobile Kiosk for content delivery for digital activation(Engro, Telenor, UniLever etc)• Interactive Web Portals for Unilever & Engro• Managed backend of Olpers & Tarang Milk campaign Viral, Web and SMS campaign• Lux Style Awards digital voting drive through Web, SMS & IVR.• Interactivity short codes for reality shows and live TV channels such as  ARY Digital (8 channels) SAMAA TV  VIBE TV• Established SMS & VPN interconnects with all leading telecommunication companies (Telenor, Mobilink, Zong, Warid, Ufone & PTCL)

 Product management for voice, SMS, VMS & wireless Internet 1x Managed sales operation and support activates & backend processes. Sales planning and management for prepaid wireless internet. Retail & SME market development (Developing SOPs, Retail Markets & Franchise trainings) Create and Manage a Cross-Functional virtual Team through which to manage all product related issues  Maintain an up-to date Product Performance Dashboard. Define Product Pricing in-line with Business Plan pricing objectives. Ongoing development of the product to ensure competitive positioning  Develop Product marketing Campaigns to ensure revenue and margin growth as per the business plan targets Distribution of POSM and relevant  Budgeting & Forecasting,  Analysis of Competition/ Consumption/Activation patterns PresentationsAchievements:• Launched Pakistan 1st CDMA internet Nationwide for retail and corporate (PCMCIA Cards/ Desktop sets)• Launched Pakistan 1st CDMA Nationwide SMS & VAS services http://GoCDMA.com.pk• Launch Voice Mail service VMS service • Launched SIP based service (Direct inward dialing VOIP)• Launched prepaid cards for wireless internet.

Managing the Nation wide sales (Nationwide) of Internet Distribution channel for Prepaid Cards.Handling Wireless Local Loop corporate sales team & have role out Internet/Data CDMA prepaid Internet service. Managing the sales of Broadband (Internet via satellite) , Dedicated & ISDN Dialup.Managing installation, support & customer support activities.Managing Value Added Services such as Fax Over IP, Web Hosting & Development.Proposal writing for connectivity through DXX, Radio Links for VPN’s and Frame relay network.Coordination with related departments such as MIS, Finance & Customer Services.Internet Direct Sales Area wise territories & targets assignment.International correspondence with vendors for Broadband & Fax over IP.

Hardware installation operatorsIT equipment and accessories purchasesInventory ManagementNew installation managementDeals in Compaq, IBM, LexMark equipment.