As a Business Line Owner at DigiKala, I lead a team of business analysts and developers to design and implement innovative solutions for the Supply Chain Financing sector. With over 19 years of experience in the banking industry and 4 years in the Fintech and 2 Years in e-Commerce, I have a deep understanding of the market dynamics, customer needs, and regulatory challenges that shape the digital transformation of financial services.My core competencies include process improvement, analytical skills, and business analysis, which I apply to optimize the performance, efficiency, and quality of digital channels and products. I also leverage my Doctorate of Bank Management (DBM) degree and my research background to identify and explore new opportunities and trends in the supply chain financing. My mission is to contribute to the growth and competitiveness of Rahand Houshmand Company and to deliver value and satisfaction to its customers.