Rao Khalid Email & Phone Number

Dubai, United Arab Emirates

Responsible for defining the product roadmap and setting direction aligned with the organizational strategy and market trendsfor the cross-functional teams including the engineering and product teams.Responsible for product backlog grooming, solution design, sprint planning, implementation review and sprint retrospect.Collaborate with cross-functional teams and the clients for clear requirements identification and end to end project delivery.Drive the end to end implementation of key strategic projects: conventional credit processing capability, Islamic ShariahCompliant Murabaha credit, Buy Now Pay Later (instalments and loans solution), Loyalty, region specific interest calculation,third party system integration.Drive end to end client implementation including initial requirements gathering and solution design, implementation andproduction rollout of key clients in MEA, North America and European regions.

Dubai, United Arab Emirates

•Translated the product roadmap into actionable product requirements, epics, and user stories, facilitating the execution and implementation of the project objectives.•Attending mandate meetings involved identifying both business and technical enhancements necessary for compliance and operational efficiency.•Oversaw the development and deployment of a white-label mobile app and web applications platform designed to complement the Issuing and Acquiring business.•Authentication Landscape - 3-D Secure 2.0, Strong Customer Authentication (PSD2/RTS SCA). •Digital Solutions - Tokenization, Mobile Products & Service, Checkout, Push Payment.•Dispute Processing (VCR, Claim Manager), Fraud Management•Collaborated with the Engineering team to assess and estimate the scope and cost of product initiatives.

• Worked as a primary business analyst tasked with developing a credit card product, catering to both consumer and corporate segments, from inception to completion. • Led the finalization of analytical reports for a credit program, ensuring accuracy and relevance in data analysis and interpretation.• Collaborated with clients such as Bradesco, Heritage Bank Belize, STI Processing, Flexiti, and Hallmark, serving as a solution architect for the implementation of their credit and prepaid programs.• Worked with different vendors LexisNexis, Experian, EquiFax and TransUnion for credit history & KYC.• Integration with Wells Fargo and CPI for Lockbox services.• Integration with printers Gsemalto, CPI, FTS for card printing.• EMV (contact & contact-less) profile review and paperwork required for certification with networks.

• Responsible for all the certifications with networks MasterCard, Visa, Discover and MoneyPass(ELAN).• Compliance certifications with networks MasterCard, Visa, Discover.• BIN paperwork with Visa, MasterCard and Discover to setup new BIN for different clients.• Programming in core JAVA to implement the client requirements as per analysis & design document.• QTP automation script development and testing.• Monitoring of automation test cases coverage and execution stats shared by team members.• Manage multidimensional QA stats of team and represent to management.• Release management.