Founding Director, of Mobi Direct (Pvt) Ltd, a SPV (Special Purpose Vehicle) to provide innovative payment processing facility / Infrastructure for Pakistan. The Company has been established to develop various lines of Businesses, by providing Internet Payment facility for Local and Regional business houses, consumers, corporate bodies, Banks and other Govt. Institutions, provide "Mobile Interoperable National payment Infrastructure", establish widely distributed Shared Agent Network for… Show more Founding Director, of Mobi Direct (Pvt) Ltd, a SPV (Special Purpose Vehicle) to provide innovative payment processing facility / Infrastructure for Pakistan. The Company has been established to develop various lines of Businesses, by providing Internet Payment facility for Local and Regional business houses, consumers, corporate bodies, Banks and other Govt. Institutions, provide "Mobile Interoperable National payment Infrastructure", establish widely distributed Shared Agent Network for Branch-less Banking Licensed and other aspiring institutions intended to serve both urban poor and rural segments of the population. Retail payment infrastructure, and other "Processing, Hosting and DR facilities" for Banks and other Institutions. The Company is first of its kind, non banking entity, incorporated and subsequently Licensed by the respective regulatory bodies to provide non exclusive National Payment infrastructure and undertake such composite business in Pakistan. The designed and approved Model has both Banks and Telcos as Joint Equity Holders. Where as the core technology for the designed architecture has been built around and selected the most ruggedest and tested, proven payment infrastructures. Show less

Business Consulting | Areas of Advisory • Branch-less Banking Strategy: Setup and Establishing Agent Network• Mobile Payment: Products, Options and Solutions• Banking Technologies: Evaluation, and Assessment • Digital Branding & Marketing (Financial Service Industry)

Business Consulting | Areas of Advisory Strategy, Products and Solutions, Branch-less Banking, Mobile Payments, Banking Technologies, Cards & Payment Instruments, Business Diagnostics, Cost Review & Assessment, Fraud Reduction and Risk Management, Consumer, SME & Retail Banking, Process & Performance Review, IT Security and Controls, Alternate Delivery Channels, Digital Branding & Marketing (Financial Service Industry)

As Head of ADC Division was part of Marketing & Product Management Group, • ADC Division: Products, Business Heads and Functional Units; • Portfolio Of Debit, Prepaid, and other Card Products • Acquiring Business: End to End Management, • SMS Banking, & Other Retail e-Banking Initiatives• WEB Portal and Other Point Of Presence, • Product Ordering and Servicing through Call Center. • Bank’s ATM Network, and 1-LINK SWITCH Affairs • Strategic… Show more As Head of ADC Division was part of Marketing & Product Management Group, • ADC Division: Products, Business Heads and Functional Units; • Portfolio Of Debit, Prepaid, and other Card Products • Acquiring Business: End to End Management, • SMS Banking, & Other Retail e-Banking Initiatives• WEB Portal and Other Point Of Presence, • Product Ordering and Servicing through Call Center. • Bank’s ATM Network, and 1-LINK SWITCH Affairs • Strategic Alliances, ESG, Loyalty, and PRI Cards • Business Technology • Franchise Relationship (VISA, MasterCard.....)• New Business InitiativesSpecial Assignment (Cost & Profitability Review of Consumer & Retail Banking, Portfolio and Services) Show less

Divisional Head of Cards, e-Banking & ADC (Alternate Delivery Channels), reporting to SEVP/Group Head Commercial and Retail Banking Group. Running operational and business affair of Independent Business unit comprising of Technology based products, services and functions.NBP being a late entrant to technology based product and solutions; I was initially required to undertake assignment for acquiring solutions and developing infrastructure. Played key roll in various technology based… Show more Divisional Head of Cards, e-Banking & ADC (Alternate Delivery Channels), reporting to SEVP/Group Head Commercial and Retail Banking Group. Running operational and business affair of Independent Business unit comprising of Technology based products, services and functions.NBP being a late entrant to technology based product and solutions; I was initially required to undertake assignment for acquiring solutions and developing infrastructure. Played key roll in various technology based Projects and assignments, Including ;• Development of Business rules and specifications, Operating Procedures / Guides• Development of Requirement Documents, RFP, Contracting Strategy and Negotiations.• Independent Monitoring Of Public Procurement Rules. During my term of engagement with NBP additionally worked on different Consumer & Retail banking assignments, and reporting units including Bank Assurance, Margin Finance, Remittance Unit, Group Compliance, Agri Finance, Business MIS and Quality Assurance. Engagement in Core Technology Assignments & Projects:• BTT (NBP Board Committee) driven projects, • Bank-wide ATM Expansion & Service Improvement Project,• PAK ARMY Special Project. • Business representative on bank wide BCP Project.• Technical representative for Fidelity IS Core Banking Project.• Call Center Acquisition & Implementation Project.• On-Line Branch Connectivity & Outsourcing Project.• E-Channel Strategy, Acquisition & Implementation project. • Mobile Payment Initiative, Zarai Card, e-Home Remittance. Show less

IT Planning / Information Security:During the term, MCB made substantial Investments in IT and IT Based solutions from Core banking to Card Management, from ATM Network Infrastructure to e-Banking. IT organization was restructured on phased approach to IT Governance Model, creating setups for Information Security, IT Research and Planning, Project Management Office, Service Management, and others. Lead role played in developing technology road map, acquisition strategy… Show more IT Planning / Information Security:During the term, MCB made substantial Investments in IT and IT Based solutions from Core banking to Card Management, from ATM Network Infrastructure to e-Banking. IT organization was restructured on phased approach to IT Governance Model, creating setups for Information Security, IT Research and Planning, Project Management Office, Service Management, and others. Lead role played in developing technology road map, acquisition strategy, assessment, , contracting and negotiations process, and Post implementation Performance measurement, and rolling out IT Security Policy & Procedures. Profile of Cards Business: (1998 - 2005 )During the term, Cards Division was an independent business/ profit center, with all functional reporting units reporting under Divisional Head Cards. Prior to Diners Club Pakistan, liquidation and closure, DC Operations were also running under the same setup with full Country rights for Issuing & Acquiring, subsequently only DC acquiring business, and collection affairs were retained and managed. • Diners Club Pakistan Acquiring & Issuance Business prior to closure• Managed Card Business portfolio (Debit / Credit with over .75 million Cards).• M-Net National Switch Settlement Operations, and ATM Network servicing.• Banked owned Pakistan’s single largest ATM & POS Chip based acquiring setup. • Private Label MCB Smart Cards & 1st Maestero Card Program was launched.• Master Card processing operations was shifted from BOA to MCB.• Diners Club Pakistan operations was closed and liquidated.• EMV Compliant Visa Card.• MNET Business Development & Operations.• Franchise arrangement with Western Union, Visa, Master Card, Diners etc. Show less

Responsibilities:• ‘First Ever Automation’ of American Express financial services in Pakistan.• As of Head Of Systems, develop, integrate and implemented AMEX global technology road-map• In 1992 Launched of AMEX Gold & Personal Cards, as Operations Head, • Transferred Card portfolio from Hong Kong, • Established full functional units of New accounts, Credit & Collections, Authorizations, Customer Services, Cashiering and other functions, including implementation of state… Show more Responsibilities:• ‘First Ever Automation’ of American Express financial services in Pakistan.• As of Head Of Systems, develop, integrate and implemented AMEX global technology road-map• In 1992 Launched of AMEX Gold & Personal Cards, as Operations Head, • Transferred Card portfolio from Hong Kong, • Established full functional units of New accounts, Credit & Collections, Authorizations, Customer Services, Cashiering and other functions, including implementation of state of the art AMEX cards solutions. On overall Technology front designed & implemented local Systems, and communication network infrastructure, for supporting all (AMEX TRS) products & services, including Cards, Merchant Acquiring, Foreign Exchange Services, Travel, and Travelers Cheques Businesses. Show less