Managing the strategy for the global rollout of the MasterCard Send Partnerships program aimed at supporting the adoption and acceleration of Send to meet business objectivesAchievements• Launched partner program with 16 leading partners including PayPal, Stripe, and Oracle • Partner engagement enabled local network connectivity with Interac - saving over USD XXM• New product development-Civic Assist- Integrated approach with Oracle to speed up government disbursementsResponsibilityCreate and launch a partner program that can be leveraged at an enterprise-level working with acquirers, processors, system integrators, fintech community, and other leading financial institutions. Additional ownership of all strategic projects that directly impact the business-connecting with the local networks, working with competing schemes for interoperability, and bundling Mastercard products to ensure additional revenue stream. All these projects require a multi-layer approach to working with diverse teams globally.

Country lead for Bahrain responsible for the P&L and helping stakeholders grow revenue. Worked closely with banks, financial institutions, local schemes, and merchants. Key person negotiating commercial deals with C-level stakeholders across the financial institutionsAchievements• Market share increased several points during the tenor including doubling revenue for the market• Digitization roadmap unveiled for Bahrain – ecosystem play – digital wallets for merchant payments• Premium drive where revenue increased per transaction across all stakeholders • First market in the region to implement – Cross Border Send, QR code acceptance, and digital walletsResponsibilityResponsible for the P&L of Mastercard Bahrain with the added task of rolling out the strategy across core & digital products. Accountable for increasing the customer satisfaction index score by managing existing relationships and increasing our share in the respective payment portfolios across all stakeholders in Bahrain – EDB, Central Bank, local scheme, banks, financial institutions, payment service providers, and fintech community. Negotiated several deals with leading financial institutions to gain market share away from competing schemes

Responsible for setting up the loyalty/insurance business across APMEA. End-to-end management of programs (presales to implementation) across the existing product lines – benefits, insurance, and rewardsAchievements• Designed and scaled the loyalty business to attain a steady-state revenue of > XXM USD for the APMEA• Successfully sold and launched first issuer rewards program in APMEA leading to more than 20 FIs opting-in• Supported all business lines within Cardholder Solutions – Insurance/ Benefits and Rewards• Enhanced cardholder benefits for World Elite to offer a bundled loyalty programResponsibilityManaged the rollout of the MasterCard Rewards Platform/ Benefits/ Insurance across APMEA with a special focus on pricing, strategy, and go-to-market in each relevant market. Winning business with existing and new customers in each geography and ensuring seamless implementation of the rewards platform. This required working very closely with internal and external stakeholders – often leading to C-suite discussions and decisions.

The role was to manage the cards business across sales, new product development, and portfolio actions coupled with innovative marketing / spend campaigns to ensure profitabilityAchievements• New Products Launched - First Vertical Platinum Card in the CEMEA Region, Dana- First card exclusively for women in Oman, and Diners Club - Super Premium card• 100% increase in outstanding book size for Credit Cards (ANR) in two years• Managed end-to-end re-carding program for the entire base with 92% pick up ratesResponsibilityManaging the full P&L of the Cards Business including sales, product management, marketing, and operations

• Relationship management with all Citibank branches and asset management companies in India for placement of investment orders and controlling backend operations• Ensuring zero defects automated processing of all investment orders and maintaining online updates of customer accounts protecting the Bank from any monetary/ reputational risk.

• Responsible for leading strategy & core balance sheet growth (inorganic) for the cards business in India.• Managed the end to end book on Loan On Phone- primary product for the credit cards business• Responsible for leading and execution of new product development for the Diners portfolio in India

• Managed credit cards portfolio for eastern India – in terms of credit cards issuance including managing the direct sales associates (DSA) and direct sales teams with a sales force of over 200 people.

Achievements• Worked successfully and turned around delinquencies across all retails products and regions in IndiaResponsibilities• Responsible for managing the full collections team across the designated region to reduce delinquency and control write offs for the bank across all products (Credit Cards, Personal Loans, Auto Loans & Mortgage Loans).