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Muhammad Kumail Email & Phone Number
Product Owner - Collections
at
The Unlimited
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✓ Verified Jul 2026
3 data sources
Profile completeness 100%
Current company
Role
Product Owner - Collections
Location
Karāchi, Sindh, Pakistan
Company size
Who is Muhammad Kumail? Overview
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Quick answer
Muhammad Kumail is listed as Product Owner - Collections at The Unlimited, a with 1675 employees, based in Karāchi, Sindh, Pakistan. AeroLeads shows a matched LinkedIn profile for Muhammad Kumail.
Muhammad Kumail previously worked as Product Manager- Digital Innovation & Integration (Digital Fintech Group) at Bank Alfalah Limited and Product Expert - Konnect Digital Channels (Financial Inclusion Group) at Hbl - Habib Bank Limited. Muhammad Kumail holds Bachelor Of Science - Bs, Computer Science, A from Karachi University.
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The Unlimited
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Profile bio
About Muhammad Kumail
As a Product Management professional with over 5+ years of experience in the Fintech and Digital Financial Services sector, I currently hold the role of "Product Expert- Digital Innovation & Integration" at Bank Alfalah's Digital department. My primary focus is on introducing innovative digital ideas and technology into our services.Before this role, I served as a "Product Expert -Konnect & Digital Channels" in the Financial Inclusion Department at HBL, Pakistan's largest Fintech institution. During my tenure, I played a fundamental role in launching the Konnect mobile wallet application and Merchant Management System. I was also responsible for designing cutting-edge banking solutions to cater to both online and offline customers. One of my proudest achievements was establishing standardized and modular disbursement services, enabling beneficiaries to access funds swiftly and contributing to the government's financial inclusion goals.Additionally, I actively contributed to the Quality Assurance efforts of HBL's Giant products, including the HBL Konnect Customer App, HBL Konnect Agent App/Portal, HBPS (HBL Billing Portal), HBL Internet Banking, HBL Mobile Banking, HBL Merchant Management System, and RAAST. This entailed close collaboration with cross-functional teams to ensure the delivery of top-notch solutions.I believe digital transformation must be inclusive, data and insights-driven, customer-centric, and focused on creating partnerships by leveraging technology to deliver value at scale. True digital transformation requires being ready to critically evaluate existing business models and culture and evolve into new business models as the opportunity arises.I'm genuinely passionate about the challenges associated with conceptualizing and delivering innovative business ideas. Let's connect and explore how we can drive meaningful change in the world of Fintech and Digital Financial Services.
Listed skills include Java, Html, C, Microsoft Office, and 5 others.
Current workplace
Muhammad Kumail's current company
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The Unlimited
4 roles
Muhammad Kumail work experience
A career timeline built from the work history available for this profile.
Product Manager- Digital Innovation & Integration (Digital Fintech Group)
Current• Led the integration of ‘Befiler’ platform within the Alfa app, aimed at providing customers convenient tax filing services • Leading the development of various products under the ‘Personal Financial Management’ umbrella, to enable customers to intuitively and actively manage their financials • Coordinating with the Data Science function to gamify the investment experience via Alfa app, and, to provide customers with customized investment recommendations based on their profile • Drafted pre-launch documents including but not limited to Customer Journey, BRD, FSD, PPG, SOP & Field Rep. education • Conceptualized and drafted wireframes/screens on Figma for optimized UI/UX experience
Jun 2023 - Present
Product Expert - Konnect Digital Channels (Financial Inclusion Group)
• Worked on B2B and B2C business solutions in the capacity of Product expert, within the ‘Konnect and Digital Channels’ domain• Managed overall product lifecycle of HBL Giant Products including but not limited to 1) Konnect by HBL, 2) HBL Konnect Agent Portal, 3) HBL- PAY, 4) Konnect Merchant App and 5) Merchant Onboarding & RAAST-P2P, etc.• Co-executed the launch of ‘Konnect Mobile Wallet’ application and provided cross-functional support for Digital merchant onboarding, and QR payments• Facilitated in bringing new products to market by analyzing product requirements and product development programs• Prepared short-term and long-term product goals & objectives for senior management review• Managed complete product management lifecycle on Azure DevOps & JIRA.• Coordinated with Digital IT on validation of services, technical development of products and procedural testing (QA, UAT)
Dec 2019 - May 2023
Software Quality Assurance Engineer
• Conducted comprehensive testing across multiple software layers including web UI front-end, back-end, and web services to ensure a thorough evaluation of the entire system• Performed in-depth testing at the database level including test case creation and implementation, as well as, monitoring and resolution of production tickets• Effectively conducted testing for integration of multiple global merchants, including Open Edge US, Open Edge Canada, Pay Pros, Ets-Emv, Sage Pay, EFTPOS Australia, and EFTPOS New Zealand• Collaborated with cross-functional teams to ensure timely delivery of services, perform UAT and manage database (SQL server)
Apr 2018 - Dec 2019
Team & coworkers
Colleagues at The Unlimited
Other employees you can reach at theunlimited.co.za. View company contacts for 1675 employees →
BX
Bhekizizwe Xulu
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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VN
Veronique Newman
Colleague at The UnlimitedCape Town, Western Cape, South Africa
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ZW
Zelda Williams
Colleague at The UnlimitedPort Shepstone, Kwazulu-Natal, South Africa
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BW
Brendolene Wardle
Colleague at The UnlimitedPietermaritzburg, Kwazulu-Natal, South Africa
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LM
Linda Mendes
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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GH
Glaudine Hlukanisa
Colleague at The UnlimitedJohannesburg, Gauteng, South Africa
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JR
Jeremiah Ragedi
Colleague at The UnlimitedJohannesburg, Gauteng, South Africa
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DB
Darius Brand
Colleague at The UnlimitedCape Town, Western Cape, South Africa
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ST
Sindiswa Tshabalala
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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MN
Melanie Naidoo
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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Bhekizizwe Xulu
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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VN
Veronique Newman
Colleague at The UnlimitedCape Town, Western Cape, South Africa
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ZW
Zelda Williams
Colleague at The UnlimitedPort Shepstone, Kwazulu-Natal, South Africa
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BW
Brendolene Wardle
Colleague at The UnlimitedPietermaritzburg, Kwazulu-Natal, South Africa
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LM
Linda Mendes
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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GH
Glaudine Hlukanisa
Colleague at The UnlimitedJohannesburg, Gauteng, South Africa
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JR
Jeremiah Ragedi
Colleague at The UnlimitedJohannesburg, Gauteng, South Africa
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DB
Darius Brand
Colleague at The UnlimitedCape Town, Western Cape, South Africa
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ST
Sindiswa Tshabalala
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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MN
Melanie Naidoo
Colleague at The UnlimitedDurban, Kwazulu-Natal, South Africa
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1 education record
Muhammad Kumail education
FAQ
Frequently asked questions about Muhammad Kumail
Quick answers generated from the profile data available on this page.
What company does Muhammad Kumail work for?
Muhammad Kumail works for The Unlimited.
What is Muhammad Kumail's role at The Unlimited?
Muhammad Kumail is listed as Product Owner - Collections at The Unlimited.
Where is Muhammad Kumail based?
Muhammad Kumail is based in Karāchi, Sindh, Pakistan while working with The Unlimited.
What companies has Muhammad Kumail worked for?
Muhammad Kumail has worked for The Unlimited, Bank Alfalah Limited, Hbl - Habib Bank Limited, and Sibisoft (Pvt.) Ltd..
Who are Muhammad Kumail's colleagues at The Unlimited?
Muhammad Kumail's colleagues at The Unlimited include Bhekizizwe Xulu, Veronique Newman, Zelda Williams, Brendolene Wardle, and Linda Mendes.
How can I contact Muhammad Kumail?
You can use AeroLeads to view verified contact signals for Muhammad Kumail at The Unlimited, including work email, phone, and LinkedIn data when available.
What schools did Muhammad Kumail attend?
Muhammad Kumail holds Bachelor Of Science - Bs, Computer Science, A from Karachi University.
What skills is Muhammad Kumail known for?
Muhammad Kumail is listed with skills including Java, Html, C, Microsoft Office, C#, C++, Cascading Style Sheets, and Visual Basic .Net.
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