• Directed bank payment products, including Cards, POS terminals, and ATMs.• Managed ATM network performance, transaction processing, routing, reporting, and invoicing; maintained strong relationships with external payment schemes (VISA, MasterCard), technical support vendors, and card suppliers.• Achieved significant growth and improvements in the cards products business• Increased successful card and merchant acquiring transactions (on-us/off-us).• Reduced transaction rejections for card and merchant acquiring, especially off-us.• Boosted cash transaction volumes (inbound/outbound) for on-us and off-us transactions.• Achieved a 28% growth in cards volume and a 39% increase in deployed POS terminals.• strategically established a network of 72 ATM terminals, optimizing coverage across branches and high-traffic locations.• Engineered and executed Service Level Agreements (SLAs) and workflow processes to drive seamless interdepartmental collaboration.• Achieved full integration of the bank’s payment system with the Afghanistan National Switch, enhancing national connectivity and operational efficiency. Launched new card products, including Gold and Promo Cards.

 Manage, assess regularly efficiency of business procedures according to organizational objectives and apply improvements. Worked with customers and business developers GCC team to understand needs and provide needed service. Resolved business problems, improved operations and provided exceptional client support. Contract stage; Functioned with customers legal departments to resolve any inquiries or concerns might face. Managing daily operational process for GCC and reporting business updates through weekly management meeting with headquarter in UK & Ukraine. Successfully established deals with new range of corporate customers in Jordan & Egypt.

 Spearheading and managing teams spread across all branches to meet target. Initiate and manage m-Visa acquiring fintech project with VISA Egypt. Successfully increased total volume of POS acquiring business with 28%. Successfully increased no of POS sales to around 35% gross annual increase Successfully established DCC project “Dynamic Currency Conversion” Instrumentally developed POS acquiring business performance of bank. Hold credentials in applying new international card schemes e.g., MAESTRO, American Express & Diners, CUP and JCP. Performed monthly department activities to Bank Head of retail. Managing monthly payment gateway invoice with Headquarter processor partner {Intesa san Paolo Cards - ISPC Zagreb}. Driving bank relation with POS vendors either to select new types or approve pricing, terms & conditions. Managed on-site evaluations with merchants through random visits. Monitor weekly deployment outsourcing technical team report to insure that deployment plan are successfully installed.

 Lead team of 35 POS professional technical representatives ensuring respond to all client inquires on time and successfully. Managed daily departmental operations, including management and planning of activities for POS order processing staff. Performed to stakeholders, including clients (Banks) and management personnel, to provide acquiring business status updates. Established self-idea for using digital terminals tracing instead of manual, displaying all terminals activities & supporting from a professional technical call center. Troubleshot and resolved non-routine customer complaints. provided regular training to all department representatives either business updates or new business information, also to know what is going on the market field. Involved in updating number of POS machines (inventory) on monthly basis. Manage periodic random visits to merchants, ensuring that POS terminals functioning & merchants satisfied. Managed quality assurance program, including on-site evaluations, internal audits and filed research. Re-design whole department activities & create new function to analyze performance activities. Providing stakeholders with latest market research updates for merchant acquiring business.

 Interviewed field research team. Held around 8 clients meetings per week. Carried out analysis of client requirements and design, developed & amended questionnaire to be used in field . Manage / Provide research team with needed training for every required mission. Successfully developed manpower plan along with costs incurred to conduct research.

Developed and enhanced business for organization.Set up business operations thereby ensured seamless sales and marketing activities to achieve assigned targets.Instrumentally developed new and existing network/ channels to enhance market penetration and coverage in territories assigned.Developed highly engaged and professional sales organization.Successfully led sales team and provided advanced selling skills training starting from generating a lead to closing deals.Made stringent daily follow-up sales to ensure compliance with sales target plan and coordinated promotional activities with marketing team department.

Improved MetLife market exposure to different client segments.Carried out sales with various types of insurance, including life, medical and accident insurance, Competently maintained highest standards of customer service giving preference to customer satisfaction & resolving problems & concerns.Responding to all client queries, ensuring to achieve highest standards of customer service as well as sales targets.

Started my career as Customer Service Assistant Manager and was involved in understanding customers’ needs and requirements to provide an efficient and effective service.Instrumentally processed customer purchases through system,Ensure application of discounts and promotions are applied correctly, whilst maintaining vigilance against stock loss.Acted as a point of contact for customer inquiries and efficiently dealt with these through to successful outcome.