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.
• 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.
• 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.

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).
• 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.

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.
• 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.

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.

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.

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.

Lahore

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