Working in the capacity of product owner for Corporate (B2X) product. Current services include a) Corporate multi currency wallets b) cross border payments.Hubpay is operating in UAE (cross border remittance, payroll, and cards), Pakistan (EWA, invoice financing), and Egypt (cross border financing).

- Managed one squads in an agile development workflow with 7 engineers and QAs, while collaborating with product designers, data analysts, and operations partners across 3 markets to deliver business value.- Ideated, built and scaled Retailo wallet - an android/iOS user facing closed loop feature for cash in, hold, and spend management of Kiryana owners - release MVP in a single market then scaled up to all 3 markets. Till Oct'22 built 28% adoption translating to >50% reduction in ops… Show more - Managed one squads in an agile development workflow with 7 engineers and QAs, while collaborating with product designers, data analysts, and operations partners across 3 markets to deliver business value.- Ideated, built and scaled Retailo wallet - an android/iOS user facing closed loop feature for cash in, hold, and spend management of Kiryana owners - release MVP in a single market then scaled up to all 3 markets. Till Oct'22 built 28% adoption translating to >50% reduction in ops and collection cost for the adoptor cohort.- Ideated and built payment engine - a microservice based payment orchestration and bookkeeping infrastructure to enable handling of multiple internal and external payment methods.- Co-led development of Retailo Go - An Android/iOS application and a web-based admin portal for delivery route management and optimization. Launched as an internal tool and has now been scaled up as a SaaS tool for FMCG industry.- Integrated with Inclusive Financial Solutions for Sadaad product in KSA and with EasyPaisa in PK to reduce the overall cost of collection for credit orders by 20% and 7% respectively in both markets. Show less

- Designed and implemented process flows and structures to improve the queueing time of cash collection and deposition cycle by 2 min (25%) per agent across 5 warehouses in Pakistan and KSA.- Improved cash collection – reduced cash-to-bank time by 44% by partnering with third parties (HBL Loop to name a couple).- Reduced MoM leakages by 70% by implementing controls and clear visibilities of each process.

- Managed annual portfolio of ~10m USD for 4,800 retailers in 3 geographical territories of Karachi with a team of 25 on-field and call center executives – successfully grew 2 territories by 1.5x and 2.5x in a span of 3 months. - Designed retailer cohorts, monthly targets, and reporting structures and implementation of GTM strategy through an outsourced tool (Repzo).