Key Achievements and Responsibilities; • Successfully set Up the Ariv Pay financials group with Payment solutions and financial inter mediatory services.• Poses required FCA licences to become a Payment institution and financial intermediator service company .• Implemented GDPR ,AML and compliance procedures• Successfully recruited and trained back office people in offshore for the Underwriters,CS,Commercial and sales team• Developed and implemented the CRM for merchant on boarding.• Success fully manged to signed commercial partnership with three leading Acquiring partner for Arivpay.• Carefully researched send chosen the one of the best Payment gateway technology for Arivpay so the arivpay can provide the world leading cutting edge technology solution for its Merchant.• Success fully manged to launched Arivpay Payment solutions with in 6 months in UK and Europe and now expanding To USA.• Launched essential product proposition for merchant such as ,E commerce ,POS,E POS with supporting 140 currencies and more than 100 Alternative payment.• Driving new revenue growth to Arivpay through acquiring new merchants in UK, Europe and USA• Leading our Direct Sales, building self-employed sales team Partnerships, Pre-Sales and SDR teams• Working with our product and marketing teams to bring to life new opportunities that can help our customers grow.• Collaborating with our customer success teams to whiteboard new ideas for our customers to help them maximise the ArivPay solutions

Key Achievements and Responsibilities; • Successfully oversaw 14 departments, including; Revenue Actuals and Fraud Management, Data Protection, Digital and Global Sales, Commercial Operations and Planning • Developed and launched Lyca Money Prepaid Credit card Lyca Remit, Remittance services And Lyca wallet.• Implemented GDPR, Registered with CIO and the complete AML and FCA compliance product.• Manged to bring the Remittance volume of 20 Million a months in 14 Months • Successfully Acquired 27000 Lyca Money credit card users in 8 Months • Developed and implemented the Digital Department in 2015; recruiting a Digital CTO as well as 120 Developers based in Bangalore, which resulted in increased revenue from £101m in 2015 to £203m in 2018 with a growth of 200%• Set the GDPR team and implemented the procedures; brought in a Compliance and governance specialist and revamped this to ensure GDPR compliance across all operations • Appointed a Global Sales Director who in turn manages 38 sales professionals across 22 countries, whilst also establishing 132,000 branded franchise shops across 22 countries (£570m turnover)• Oversaw an overall workforce of 650; managing the launch of a new online marketplace platform, which required a sign up with finance companies and vendors• Launched new mobile countries; identifying counties and opportunities for market penetration and establishing the companies and launching Lycamoble within those countries• Challenged with negotiating deals setting up companies, which saw the launch of the product and the launch of the sales and merchandising teams, finance teams, as well as technical support teams • Championed the financial elements and integrated the payment solutions, whilst negotiating the launch of Lycamobile to new countries • Spearheaded the rollout of the Lycamobile network in Uganda, developing the business case for the largest spectrum

• Played a key role, overseeing; group business planning, commercial negotiation, new business acquisition and determining the acquisition price on basis of initial diligence and assessment• Challenged with implementing the organisational structure for the newly established business, ensuring that all business objectives were met and achieved • Successfully drove customer engagement and acquisition strategy, whilst maintaining responsibility for a multi-channel account and pulled together valuable insights from a diverse team, including digital and data• Designed customer journeys and contact strategies that influence customer behaviour, and develop compelling digital strategies with social/content specialists• Proved instrumental in negotiating a major business plan as well as a large transformation project in Uganda for the country’s first network

• Played a key role as the Head of Product and Tariff, with direct responsibility for MVNO product design and implementation including; (Voice, SMS and Data)• Oversaw strategic operations in 16 countries; UK, USA, Norway, Denmark, Sweden, Netherlands, Switzerland, Spain, Germany, Ireland, Poland, Portugal, Italy, France and Belgium• Defined and communicated on product, strategy, and performance to sales team, product team, customer service and technology team• Held full responsibility for every aspect of product development and launches, whilst also implementing a successful test plan along with the Developers with product technical architecture to determine the product positioning • Successfully ensured that the product testing procedures and monitoring while in production to ensure that the product can launch before deadline• Planned above the line Digital market activities along with marketing team, whilst also preparing the business proposal and forecast for new MVNO deals for MNO

• Actively developed a successful track record for orchestrating innovative solutions and implementing change through sound leadership• Held full responsibility for the direct MVNO Network design and implementation including (Voice, SMS and Data) in 8 European countries; Norway, Denmark, Sweden, Netherlands, Switzerland, Austria, UK and Spain• Successfully implemented low band mobile networks in parts of the UK, whilst also establishing operations and implementing workflow in 13 countries (including the USA)• Developed commercial operations and proven record of achieving the set turnover, which saw the development of turnover from €30m to €95m, with a margin of 12%