Muhammad Umer Butt Email & Phone Number

Lahore, Punjab, Pakistan

As the Chief Digital Officer and a founding team member, I lead end-to-end digital transformation and product development initiatives across multiple critical domains: Product Design, Product Development, PMO, Infrastructure & DevOps, and Contact Center operations. Achievements include:• Product Development & Management:Developed Digitt Plus digital wallets tailored for individuals and farmers, alongside a companion Digitt Plus mobile application for iOS and Android, positioning the organization as a pioneer in digital financial solutions.• Commercial Success: Since securing commercial approval in January 2024, we have achieved approximately 100,000 active wallets, with 60% of users being farmers, and processed a transaction throughput of PKR 6 billion.• Innovative Open Banking Solutions:Spearheaded the launch of an Open Banking APIs suite, enabling seamless integration with financial institutes, driving ecosystem growth.• SME-Focused Services:Introduced Bulk Collection and Disbursement Solutions for SMEs, alongside innovative CPR Discounting and lending solutions through strategic partnerships with banks and NNBFIs.• State Bank of Pakistan Approvals:Secured SBP EMI pilots and commercial rollouts approvals for AFT.• Advanced Technology Stack: Achieved industry-first deployment of applications on Kubernetes clusters on AWS, leveraging microservice architecture, Redis for efficient cache, RabbitMQ for optimized queue, and Grafana/Prometheus for monitoring and performance analytics.This role involves orchestrating cross-functional teams, managing full lifecycle development, and ensuring regulatory compliance across digital products and infrastructure.Additional Role:CTO Consultant: Assisted Akhtar’s Group in obtaining a Category 3C EMI license in Abu Dhabi (FSRA) for B2B cross-border payments in the UAE. Established Lahore-based product design, development, and deployment teams for a multicurrency support wallet management system and payment gateway.

Pakistan

Responsible for transforming the Easypaisa application into a payment platform where users from other banks and financial institutions can sign up and link their existing source of funds (cards, account and wallets) for digital payments.Responsible for design and development digital payments platform for third-party merchants and financial technology companies to accept payments through multiple sources, easypaisa wallet, cards (debit/credit) and through easypaisa agent network with latest integration methods.I am able to deliver following products/solution with the help of 04 dynamic team members;• New User Easypaisa Wallet Sign-Up on Open Wallet App.• Different payment account linking flow (Other bank's account and card, Mobile Wallets) by direct integration with banks, payment gateways and PSO/PSP.• Introduce Pass Through transactions for Open Wallet App Users for all use cases available on Easypaisa App.• Pull Funds Functionality from other bank's account and card for Easypaisa Account Users.• Payment checkout with different payment options (easypaisa mobile account, cards, over counter(OTC), instant payment link, and other banks accounts) for online merchants.• Direct integration methods(Rest based APIs with and without RSA encryption, pre-checks tokenization and Android and iOS SDKs) to accept payment via easypaisa mobile account in partners/merchants digital channels(App and Website).• Developed subscription based payment options for local and internal merchants (Used H5 technology for mobile account binding and pinless payments• Automate settlement, reversal and chargeback process for merchants

Finca Head Office Dha Lahore

Responsible for the development, integration, product documentation and deployment of the assigned products on the SimSim platform. Being on the bank side, I lead many innovative and industry-first projects from conceptualization to the commercialization stage while following the regulatory and risk framework of the bank and the regulator. Currently I am leading the project of digital transformation for FINCA with core responsibility to completely digitize existing lending products life cycle from loan application appraisal to approval, disbursement and repayment with an innovative Urdu language and pictorial ‘SimSim Urdu’ application.My Core responsibilities were as follows:• Creating new products for corporate and online/approximate retailers on branchless banking platform for fee collection and bulk disbursement• Managing project to develop Payroll Plus Portal (Complete HRMS Solution)• Creating different variants of lending products for corporate employees.• Project Accomplished so far; - Corporate Products (Salary disbursement & Vendor Payments)- Corporate Lending (Advance on Salary, Nano Loan)- School Fee /Payment Collection Solution- Inapp Payments via open APIS- Market Place over SimSim App

Lahore

As the Senior Project Manager, my key responsibilities include:- Spearheading the product development, SIT, UAT and production movements activities- Leasing with clients to insure meeting the requirement standards in a timely fashion- Creating digital solutions for improved operational processes- Providing strategic & regulatory consultancy to clients for better business delivery and managementProducts developed and implemented under this position include:1. The SIMSIM Mobile Wallet: a Mobile Wallet co-owned by FINJA (PVT) LTD and FINCA MICROFINANCE BANK. This includes launching its mobile application which caters to core bank accounts as well as the mobile wallets both residing on 2 different banking platforms2. FINJA for Commercial Users: a platform designed & created for Merchants & Individuals who are looking at collecting payments from customers in close proximity as well as through online websites and mobile applications. This solution includes the following payment types to cater to different payment needs of the commercial users; Static QRs, Dynamic QRs, OTP based payments, Request for payments and wallet as payment instrument for Mobile Applications. Along with these custom solutions are provided to middle-man commercial users that require options where they can receive payments as well as give out payments through a singular interface. 3. Payroll+: a new approach to the conventional banking payroll products that offers complete company management allowing users to create their company structures (branches, departments, employee listing) and carry out payroll payments directly without the need to swap from any HRM solution to a bank payroll through bulk file processing. 4. Contact Center for FINJA Private Limited.

Lahore

Analyzing, formulating and subsequently implementing processes that further help the product evolve. This includes writing various processes from scratch in-line with all bank SOP's and conducting User Acceptability Testing's ensuring robust processes and providing end to end closure for MCB LiteImplementing the Functional Requirements Document for the Application Inventory Management System (AIMS) developed for MCB Lite.Defining different product types on Fundamo Enterprise Edition (FEE), along with transactional limits, KYC requirements, compliance checks and audit issues.Running extensive UATs on FEE, which includes extensive use of the Fundamo Back Office, data extracts and AIMS. Creating SLAs with cross functional teamsliaising with system vendors, Fundamo, Euronet (CMS), Core Banking System team and other cross functional teams of the bank.Managing entire Customer Experience for MCB Lite & Mobile which involved handling customer complaints, forecasting complain trends and analyzing and eliminating root causes for major recurring complaints

Lahore

Successfully launched bundled product variant Gold Plus; by working with vendors & cross- functional teams.Responsible for all live environments testing for new launches & managing entire customer experience which involved handling customer complaints, forecasting complaint trends and analyzing and eliminating root causes for major recurring complaints.Conducted comprehensive Product related training on a regular basis to ensure branches and MCB Contact Center are up to date I regards to all product information such as new product variants, processes and controls.Managing Priority Customers experience w.r.t MCB Lite and Mobile by offering resolution of issues on a personal level.Trained over 500+ branches throughout Pakistan.

Lahore

Replying to customer queries and problem solving & meeting monthly sales target.