Stephen Greiff Email & Phone Number

United Kingdom

Delivering consultancy services to early-stage businesses, in support of driving revenue opportunities, accelerating business growth, and improving customer relationships.● Designing multi-sided platform revenue models to augment affordable Wi-Fi services for underserved communities; further conducting a comprehensive review with growth-focused recommendations for expanding lending access to formal small and medium-sized businesses in the Fintech sector

Employed to accelerate revenue opportunities through innovative product development/product management within the personal finance space; demonstrating proficiency in an Agile environment.𝐏𝐞𝐨𝐩𝐥𝐞 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭:● Worked collaboratively with cross-functional teams to release products into the Business to Consumer (B2C) and Business to Business to Consumer (B2B2C) markets; ensuring alignment with product strategy, project timelines, resource allocation, and overall business objectives● Oversight of +/-5 FTE direct reports, 4 external innovation consultants, and +/-4 indirect reports across internal IT shared services and Project Management Office (PMO); expertly overseeing workloads and driving employee engagement through strong interpersonal skills and leadership abilities

● Leveraged extensive knowledge of the financial services and banking industries to design an innovative and disruptive product vision/strategy, whilst ensuring alignment with organisational goals, legal requirements, auditing practices, governance procedures (Know Your Supplier, KYS), and regulatory requirements ● Drove market success through the preparation and execution of a comprehensive product roadmap; aligning new product development with customer needs and company’s objectives● Prepared and presented rigorous business cases, securing approval from the local investment committee and the investment committee based in the company’s Head Office (France) when required; demonstrating sound presentation skills at Executive level

● Drove all aspects of the new product development process, including project execution and delivery; acting as the primary liaison between key stakeholders, technical teams, and external vendors whilst opening and driving clear lines of communication across all workflows to enhance project outcomes - demonstrates a highly collaborative nature● Led workshop facilitation sessions with key stakeholders, leveraging robust business acumen with interpersonal skills to uncover, understand, and document a comprehensive list of business requirements● Worked collaboratively with cross-functional teams to define business requirements; ensuring alignment with business objectives whilst considering scalability, security, and quality● Participated in bi-weekly IT meetings with internal shared services and external vendors (Developers); further attended monthly steering committees, discussing and removing roadblocks for positive project outcomes● Steered a dynamic approach for continuous improvement based on market analysis, customer research, and stakeholder feedback throughout the new product development lifecycle; further led the incubation and integration process through meticulous testing and iterative development phases, demonstrating creative problem solving and troubleshooting skills

Worked in collaboration with a team of global consultants, delivering financial products and services to underserved communities, as part of a United Kingdom Aid Programme.𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬:● Managed an annual project budget of £2.5M, with further oversight of an additional £2.5M for partnership programmes with other nations; designed and launched an innovative and inclusive product vision/strategy for Sub-Saharan Africa (SSA), leading the development of a targeted inclusion projects roadmap● Established strategic partnerships with financial services providers (FSPs), suppliers (Fintech, management consultants, and content producers), and other enabling services utilising data-driven insights to promote sustainable development● Broadened and expanded an ‘East African Business Coaching’ model, equipping financial services professionals with tools to enhance financial inclusion across underserved communities; demonstrating coaching and mentoring abilities● Designed and finalised an acceleration programme; driving data utilisation within FSPs across three SSA countries; worked collaboratively with UK and Canadian development agencies and international development consultants, demonstrating ability to partner with cross-border teams● Orchestrated and advanced financial inclusion programmes in SSA, employing M4P models to impact both demand and supply sides of diverse markets● Recognised as a thought leader in digital financial services, specialising in driving scalable and profitable inclusion strategies on a global scale; highly articulate with strong written communication skills

Initially employed by a company specialising in micro-lending as the IT Head, providing services in Ghana, Tanzania, and Kenya (Payroll Lending, Mobile Lending, and Store Card Lending); led Cards IT services for the Kenyan/store card business post the division into three independent business entities.𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬:● Developed IT services to support the product vision/strategy for underserved communities; contributing to the company's goals for building revenue whilst empowering individuals with impactful technical /operational tools● Managed a team of up to 11 FTE’s comprising Systems Analysts, DevOps Leaders, Infrastructure Managers, Telephony Managers, and Country IT Head, with further contracting of +/-4 outsourced IT Developers/Programmers based in Pakistan ● Led the development and launch of a variety of IT initiatives (including application systems, product platforms, cloud services, infrastructure, and WAN/LAN services) in support of multiple lending initiatives in collaboration with the Kenyan country team; successfully implemented a process for lending deducted directly from mobile wallet accounts, optimising financial accessibility and providing innovative solutions for instant micro-lending● Provided the platform to manage a UK Premier League branded store card programme (including Chelsea, Manchester United, Arsenal and Tottenham clubs) to support an enhanced customer experience; leveraged partnerships to create brand loyalty and market expansion, in addition to Kenyan retailer branded cards● Integrated micro-credit with mobile money platforms, leveraging cell phone data to develop a sophisticated scorecard; enabled risk assessment for micro-lending, facilitating tailored financial solutions access for a broader demographic● Managed IT systems, driving cost savings and achieving connectivity levels of over 99%; implemented best practices for infrastructure services and big data, including data warehouse integrations and replication

Employed by a large regional furniture company, under African Bank ownership; accelerating value growth for stakeholders and driving digital retail sales through deeper market penetration.𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬:● Spearheaded the development and successful launch of mobile/cellular MVNO offering in collaboration with Virgin Mobile; implemented prepaid and cellular hybrid-contract options, seamlessly building client relationships and integrating the offering into two prominent furniture retailer brands ● Designed a comprehensive e-commerce strategy based on omnichannel models, enhancing customer engagement and driving business growth; spearheaded the design and development of a furniture retailer mobile loyalty platform● Designed and launched customer self-service payment kiosks, strategically designed to enhance retail footfall and optimise the customer payment experience; resulting in increased store visits and cross-selling opportunities for overall business growth

Employed by a large national retail bank offering micro-lending financial products and services to underserved communities; led innovative new product development/digital products and channel development for enhanced product sales and market growth.𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬:● Designed and implemented a consumer-based product vision/strategy, leading research and development initiatives to creatively enhance the customer value proposition and address a range of credit needs o Cash top-up card – c. £2M in additional credit sales per montho Credit consolidation – c. £12.5M per month in credit saleso ‘Check What You Can Get’ initiative – c. £12.5M per month in credit sales (bank and retailer)o Built the first client-facing mobile channel for the bank based on USSD cellular technology

● 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭, Genesis Analytics Management Consulting● 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧, 𝐃𝐞𝐩𝐨𝐬𝐢𝐭, 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐚𝐫𝐝, & 𝐌𝐨𝐧𝐞𝐲 𝐓𝐫𝐚𝐧𝐬𝐟𝐞𝐫 𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐬, Stanbic Bank● 𝐍𝐞𝐰 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐃𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭, Standard Bank● 𝐑𝐞𝐭𝐚𝐢𝐥 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐬, Standard Bank

Bcom Economics & Business Economics

Certified Associate Of The Institute Of Bankers (Caib)