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I am a FinTech product and engineering executive with more than 20 years of experience and a passion for innovation. In addition to cofounding several digital products at MasterCard, I recently served as the COO of Pay by Bank App in the UK. I have spent the last 7 years enabling and scaling multi-rail, digital payment experiences. As a cofounder, I have been instrumental in setting MasterCard’s strategy for Bill payments, A2A digital wallets, real-time payments (RTP) and disbursements.Throughout my career I have led multiple large scale transformation programs, promoting lean, customer focused ways of working underpinned and enabled by technology. I have led a global, cross functional organization of over 650 people, $250M in revenue spanning 7 countries.Prior to this role, I was responsible for driving M&A product convergence synergies. In this role, I helped shepherd several FinTech acquisitions from being startups into scale-ups. Prior to that, I served as a chief architect of the MasterCard Debit program, overseeing several multiyear technology transformation and modernization initiatives, driving trillions of spend annually.Outside of MasterCard, I am an investor in early growth FinTech, Cybersecurity and AI startups.Education:- Master’s degree in Computer Science from the University of Michigan- Bachelors in Computer Science & Business Management from McGill University in Montreal.
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Managing PartnerGranada Venture FundsNew York, Ny, Us -
Founding PartnerElgwailykamalNew York, Ny, Us
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Venture PartnerMendoza Ventures Oct 2024 - PresentBoston, Ma, Us• Incubating businesses and investing in early-stage companies• Raising capital and connecting portfolio companies to customers to drive growth• Advising startup founders on scaling up and partership opportunities• Sourcing sector defining Fintech and Vertical AI startups for investment -
Limited PartnerMendoza Ventures Apr 2022 - PresentBoston, Ma, Us-Investing in early growth Fintech, Cybersecurity and AI startups.-Advising startups and VC funds investing in FinTech-Raising venture capital -
Limited Partner & AdvisorGeek Ventures Aug 2024 - PresentNew York, New York, Us- Investing in visionary immigrant entrepreneurs - Focused on Pre-seed/seed B2B SaaS, B2C software, hardware, and deep tech companies. -
Svp Of Engineering / Cofounder, BillpaymentsMastercard Jan 2023 - May 2024Purchase, Ny, Us-Created a customer focused, lean and efficient organization settings a template for the operating model and future transformations within Mastercard.- Reduced operating costs by 35%, by driving a large scale Agile transformation, instilling Lean product management, standard team topologies and Domain driven design principals.-The Product Engineering executive lead in charge of the build, scale and global expansion of Billpay in North America, LATM and Europe. -Lead the global integration and synergy creation efforts with the acquisition of Arcus (Mexico), resulting in a rapidly growing scale-up within Mastercard.-Managed the strategic divestment and sale of part of the Billpay portfolio of products, enhancing the overall bottom line. -
Svp Of Engineering, Consumer Applications / Transfer SolutionsMastercard Apr 2021 - Dec 2022Purchase, Ny, Us-Lead a cross functional, 650-person agile Product, Engineering, Operations and compliance organization, expanding MasterCard's market share in non-carded payment flows.- Scaled the payments and remittance products to support a 50% growth in transaction volumes against a headwind of nationalism and compliance challenges.- Served as the Engineering Cofounder and Technology executive for the MasterCard BillPay Pay by Account, and Send (payments) suites of products.-Managed the corporate & commercial M&A integration of Transactis into the Consumer Applications division. -
Svp & Coo, Pay By BankVocalink, A Mastercard Company Jan 2019 - Apr 2021London, Gb- As COO of Pay by Bank App in the UK, launched and one of the first Pay by Bank implementations leveraging Realtime payments globally.-Built, scaled and launched a global variant of Pay by Bank Application that subsequently launched in India,Singapore and Australia establishing Mastercard a global leader in multi-rail (Card,Account based) payment applications.- Built an Internal innovation incubator which resulted in the fostering internal team creativity to build product grade solutions in the areas of online checkout, digital wallets and Billpay as a service. -
Vice President, Mergers & AcquisitionsMastercard Jan 2017 - Dec 2018Purchase, Ny, UsFacilitated the commercial integration of acquisition(s) into MasterCard to deliver technology synergies and top line growth. Directed solutions architecture & delivery governance of new payment applications. Assessed and evaluated strategic investments ($50M) and partnerships in the areas of Realtime payments (RTP), Bill payments as well as Payments Access products.-Completed the commercial integration of Vocalink into Mastercard enabling the international rollout, scaling and evolution of Vocalink’s Realtime payment products via MasterCard’s scale and global footprint.-Accelerated the design and successful delivery of new products and services resulting from M&A activity. Expedited e-commerce channel market entry by 6 months, leveraging outcome driven partnerships. -
Senior Director, Software EngineeringMastercard Jul 2015 - Dec 2016Purchase, Ny, UsDrove technology transformation & modernization initiatives. Managed mission critical Engineering delivery programs. Formulated technical platform roadmaps based on the business strategy, market risks and demands. Served as the Technical owner of the Debit dispute processing & back-office applications. Consulted on regulatory impact to payment systems.-Built geographically diverse engineering teams on large scale initiatives infusing modern skill sets and talent into the broader organization.-Delivered a suite of transaction processing Back office tools, transforming a cost center into a revenue generator ($5M+).-Pioneered the usage of Agile delivery within the core processing groups, resulting in quicker time to market, and better customer focus. -
Sr. Architect, Software EngineeringMastercard Mar 2013 - Jun 2015Purchase, Ny, UsOversaw MasterCard Debit System Platform & Solutions Architecture. Executed API enablement of core payments (Java, J2EE, JBoss, EXTJS, AngularJS).-Rearchitected the Single Message (Debit) System Web Tier enabling opportunities to better monetize data and expand into new customer segments, ultimately driving a 5x increase in revenue. -
Principal Software EngineerMastercard Sep 2010 - Feb 2013Purchase, Ny, UsMigrated legacy architecture to object oriented modular design. Implemented Middleware & Hardware agnostic application design.-Rearchitected the MasterCard Debit authorization platform (C++), enabling scale in transaction volumes, data richness, along with minimizing vendor lock-in. -
Senior Software EngineerMastercard Dec 2006 - Aug 2010Purchase, Ny, Us -
Software Quality Assurance EngineerMastercard Jun 2005 - Nov 2006Purchase, Ny, Us -
Technical Account ManagerInnovative Transaction Solutions Jun 2002 - Jun 2005
Mohammed Kamal Skills
Mohammed Kamal Education Details
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Mcgill UniversityManagement -
University Of MichiganComputer Science -
Vc LabVenture Capital Investing
Frequently Asked Questions about Mohammed Kamal
What company does Mohammed Kamal work for?
Mohammed Kamal works for Granada Venture Funds
What is Mohammed Kamal's role at the current company?
Mohammed Kamal's current role is Managing Partner.
What is Mohammed Kamal's email address?
Mohammed Kamal's email address is mo****@****ail.com
What schools did Mohammed Kamal attend?
Mohammed Kamal attended Mcgill University, University Of Michigan, Vc Lab.
What are some of Mohammed Kamal's interests?
Mohammed Kamal has interest in Children, Economic Empowerment.
What skills is Mohammed Kamal known for?
Mohammed Kamal has skills like Mergers And Acquisitions, Ach, Technology Convergence, Program Management, Payment Systems, Management, Agile Methodologies, Enterprise Architecture, Development Operations, Software Development, Sdlc, Soa.
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