Open Finance SME with the UAE Open finance program within the business team. • Shaping the various propositions focussed on Open standards for Banking and Insurance.• Collaborating with the wide range of stakeholders during industry sessions

OB SME within the Business and Strategy team for Saudi Arabian Monetary Agency (SAMA).• Identified ecosystem needs and crafted and implemented the roadmap for SAMA Open Banking productworking closely with cross functional teams.• Got buy in through series of consultations with senior internal and ecosystem wide stakeholders includingthe regulator, fintechs and banks.• Defined various frameworks for the OB ecosystem on market participants controls, preventing monopoly,pricing model, security, liability and dispute management, customer experience and operational guidelines.• Meticulously responded to continuous ecosystem feedback while evolving the OB standards.

Jux is a Fintech app that links payments to automated loyalty and offers redemption.• Defined the product roadmap, prioritizing backlogs based on usage analysis and customer feedback.• Led the entire product life cycle from conceptualization to defining customer journeys, pricing, piloting andlaunch while handling multiple workstreams and suppliers.• Negotiated favorable partnerships to improve revenues.

Lead on Open Banking(OB) driven Variable Recurring Payments(VRP) within the FCA regulatory sandbox, working closely with the regulator and participants to author the VRP rulebook that covers the offering, liability and customer protection framework. Co-author of Customer Experience Guidelines. Authored papers around OB roadmap for internal and external consumption. Been the customer voice while defining various OB propositions to access to Financial Data, Payments and the Consent Model. Engaged with senior industry stakeholders (fintechs, banks and customer representative bodies, FCA, Legal teams, payment schemes) to build consensus on propositions. Validated the propositions through research and customer testing. Presented these at regular events for a wider industry engagement.Open Banking is the entity that has been set up by the UK Competition & Markets Authority to create innovative technology (APIs), data standards and the governance structures which will enable the UK to implement Open Banking in 2018.

Leading the mobile strategy for commercial banking

• Leading the mobile payments team and driving the product strategy • Define customer outcomes and develop innovative propositions• Engage with senior stakeholders, external agencies, schemes and vendors• Increase customer engagement and hence self service using a data driven approach.• Represent RBSG on the Paym Strategy & Development committee setup by the Payments council

Working with top retail clients to develop their mobile strategy covering customer acquisition, engagement, retention and loyalty.Leading cross functional teams bringing new products to marketResponsible for P&L with a demonstrated revenue growth of allocated client accounts.