Founder member of one of the initial Fintech organizations in Saudi Arabia which is licensed and regulated by SAMA in consumer finance sectorMember of Executive Management team responsible for defining and executing the digital strategy

Heading the Al Islami Operations. Responsible for• Business Requirement Analysis - Preparing the product specifications as per Sharia guidelines - Detailing the system requirements as per business - Business Scenario Mapping - Building Operating Procedures• Managing Al Islami Branch Operations - Opening/Management of CASA, Mudaraba, Wakala accounts; - Transaction Banking for Al Islami Customers - Maintaining Healthy CASA balances - Mudaraba Profit Distribution - Managing Customer Service/complaints for Al Islami Customers• Monitoring and managing the Financing Accounts through the life cycle• Management ReportingKey AchievementsCommencement of Islamic Window Operations• Key Part of the team that started the Islamic Window Operations in the bank• System customization; Preparation of Collaterals; • Operations commenced in a relatively short span of 4 monthsBuilding Islamic Banking SystemManaged the development of a System to enable the processing of Islamic Financing products with full operational automation having modules within the system allow for an efficient recording, tracking and managing of all financing transactions for Corporate financing operations.- Facility and limits management - Processing of multiple Islamic financing products -Murabaha, Ijara, Mudaraba, Istisnaa,Murabaha LC- Independent Mudaraba Profit Distribution ModuleManagement Reporting – Islamic Window* Managing Al Islami Branch Operations• Defined the policies and procedures for the Al Islami Branch Operations• Managed Corporate Account Opening – CASA, Mudaraba and Wakala Deposits• Managed the Branch Operations and customer service processes pertaining to Islamic Division* Silverlake Core Banking System UpgradeSuccessfully led the requirements management, testing and rollout of the Islamic Modules of the Silverlake Core Banking System* Testing & Rollout of Islamic Module of OPICS Treasury Solution

Managing the Systems division of IT department, responsible for development, implementation and support of all systems across the organizationResponsibilitiesIT Policies & Procedure - Aligning IT policies and procedures in line with the business strategy Production System Support -Core Banking and other systems support Requirements Management - Liaising with the business to identify areas of automation, detailing specifications System Development & Implementation as per the business requirements Change Management, Configuration Management for all the systems Vendor Management - Defining Selection criteria, managing the vendor negotiations Reporting - Updating Top Management with the progress on the different IT initiatives Setting Objectives, Performance Evaluation of IT Systems TeamKey Achievements- Improved the uptime of systems to close to 99.5% by streamlining the support processes, training the support team and putting a system of preventive maintenance in place- Successfully implemented processes/solutions enabling the 48 Hour Mortgage Application Processing initiative by the organization- Designed, development and implemented the automation of Collections processes- Managed the implementation of the Origination System enabling the mortgage application processing. - Automated the processes surrounding the customer service and call center operations- Successfully implemented a data warehouse to enable dynamic reporting as on a given date- Ensured technical documentation of all the systems available across the organization; Successfully implemented the following key systemsBusiness Objects XI R3; Document Management System; Collections System;Complaints Management System; Helpdesk for the IT and Engineering department support staff

Managing the Information Services Banking Division responsible for delivering projects, recruiting and managing resources and identify partners for technology solutionsKey AchievementsSuccessfully managed the development and implementation of the Member Bank Solution (ICCS-Connect) as part of the Image Based Clearing System initiative of UAE Central BankSuccessfully pioneered the design and development of a dotNet based development framework to enable the quick development and deployment of solutions based on dotNetSuccessfully managed the implementation of the following key projectsRetail Banking System in National Bank of Dubai, UAERetail Lending System at Emirates BankCRM implementation at multiple sitesExchange House Automation at multiple sitesDimensions of ResponsibilityProject Management - Managing and delivering multiple projects Consulting - In the area of Retail delivery solution, cheque clearing solutions, origination systems, CRM systems, Business Process Improvement Quality - Certified ISO 9001:2000 Internal Auditor; Member of Employee & Customer Feedback Review Committee, comprising of the COO, AVP - Finance & Admin and myself Human Resources - Managing the Information Services Department comprising of Project Managers, Project Leaders and technical resources. Responsible for the recruitment of project resources Key projects handled - ICCS Implementation at member banks - Branch Automation System at NBD - Retail Lending System at Emirates Bank - Accpac (Sage) CRM Implementation - Odyssey Wealth Management System Implementation - Application development framework

Implementation of Stock Trading Back Office Automation SystemCertification of Systems for Y2K

Key AchievementsMember of a core team responsible for the re-engineering of the sales & distribution process of the polymersSuccessfully led a team to develop and implement an online sales order processing system for the polypropylene, polyethylene and PVC divisions. The system covered all the 60 consignment agents, factories and the head office.Streamlined the helpdesk operations covering the support of all IT operations across the offices in Mumbai