Leadership of Servicing, Loyalty, and Customer Experience for the Cards portfolio under Payments & Rewards Journey's "Next Evolution of Work" Enterprise model. Launched industry leading payments products such as Amazon Payment Plans (3-6-12 month installment plans at checkout) to capitalize on payments evolution. Accountable for the full servicing backlog, access to credit initiatives for customers, customer experience initiatives to reduce friction / irritants, engagement and loyalty programs, and delivering on the growing fraud and compliance needs for the business whilst operating in TD's Scaled Agile environment working closely with critical partners and platforms.

• Ownership of the digital commerce product portfolio incl. product strategy & roadmap• Developed a compelling product strategy and tactical plan for digital commerce growth – secured Executive buy-in• Turned around the digital commerce Product function – established the team as a key stakeholder at strategic forums, established operational processes/SLAs, key data analytics, and reporting metrics to support the digital commerce products• Led the Master Service Agreement (MSA) legal contract negotiations with 3rd party technology providers• Led the end-end gateway cyber risk remediation program – set-up and spearheaded a robust program with Risk and Technology SME's, led the development of an integrated project plan achieving on-time completion of all initiatives • Led Executive reporting and escalations to the Business Bank Executive leadership on Product risk remediation• Launched the Ongoing Learning series for Sales with a focus on "trusted advice" and enhanced sales conversations. Introduced job aids for Sales colleagues (Product Tip Sheets, demos / videos)• Business owner of the new online payments platform implementation project, orchestrating all workstreams including contract negotiations, product scoping and requirements, marketing and branding, go-to-market planning etc.• Responsible for Compliance updates and adherence to card network regulations

Responsible for formulating and delivering the vision and strategy for Digital Payments. - Leadership of the Online and Retail Payments product portfolio (E-Commerce, Debit Cards, QR Payments) including merchant onboarding, payment integration, merchant support- Direct responsibility for the 14-person product team charged with developing, launching, and managing the payments products portfolio- Responsible for establishing commercial partnerships with payment processors, acquirers, issuers, and e-commerce platforms to launch emerging use cases and alternative payment methods- Thought-leader and consultant / advisor on Digital Payments to external organisations, partners, government entities etc.- Launched Masterpass QR payments for mobile wallets in partnership with Mastercard, ensuring 100% acceptance at 100k+ merchant base- Sponsor of the Innovation work stream for digital payments incl. digitization of end-end merchant onboarding journey, driving frictionless customer journeys and UI/UX improvements- Interface to the central bank on regulatory requirements and business rules including new products and product changes

• Head of Online/E-commerce Payments with P&L ownership. Responsible for product strategy/roadmap. • Launched Easypay – a comprehensive online payments platform/gateway with multiple payment options. Led the end-to-end conceptualisation, product development, and implementation of the go-to-market (GTM) plan• Spearheaded business growth – more than tripled revenues (3.5x) year over year, over-achieving targets• Won international award nominations in the ‘Best Online Payment Solution’ category - shortlisted by the Emerging Payments Awards 2016, Global Mobile Awards 2017 • Launched the country’s first Virtual Debit Card for e-commerce with Mastercard – 150,000 cards issued and 100,000 transactions within 4 months of launch• Reduced merchant on-boarding and integration timelines by 50%. Influenced the Regulator / Central Bank, Compliance, and Legal to streamline the on-boarding and KYC process• Led several top tier online marketing campaigns with key e-commerce players - generated 55x more customer traffic and improved campaign ROI by over 88% • Increased payment acceptance by 13% via intelligent transaction routing to multiple card acquirers • Reduced payment abandonment by 10% via continuous A/B testing and improvements to the user interface design (UX / UI) • Conceptualized and launched a payments platform for businesses without customer-facing channels (website / app) • Directed the development and launch of an Android App for Mobile Wallets

• Head of the Strategic Projects unit. Responsible for evaluating, developing, and incubating strategic business development opportunities for the Mobile Financial Services business (new products, partnerships, and channels)• Developed and successfully piloted the country’s first NFC-based mobile payments product with 30+ merchants and 1,000+ customers • Led successful strategic partnership negotiations and alliances - integrated with 3rd party NFC acquirers resulting in nationwide Easypaisa wallet acceptance at over 2,500 NFC POS terminals and 100+ NFC vending machines • Developed a strategic roadmap for Digital Payments in-line with the strategic ambitions. Led market, commercial and technical readiness evaluations. Secured unanimous approval from the Management for product development and incubation• Led commercial evaluations of Visa, Mastercard, and UnionPay card issuing. Negotiated commercial terms with the payment schemes, developed business cases, and presented recommendations to the Management• Successfully led the OMO (Other Mobile Operator) Airtime Topup project to offer non-Telenor airtime to mobile wallet customers• Developed comprehensive Usability (UX / UI) study to compare USSD, SMS, and IVR for mobile wallets. Customers from across SECs were recruited for the study

• Responsible for Corporate Strategy and double-hatted as Head of Enterprise Programme Office• Facilitated the formulation of BAT South Asia Area’s 5-year Strategy that resulted in a volume growth of 5 million sticks over baseline projections• Organised and facilitated Strategy deep-dive sessions with the Asia Pacific and South Asia leadership teams• Led cross-functional teams from Finance, Marketing, IT, Supply Chain, HR, and Corporate Affairs to develop baseline and stretch P&L scenarios for Strategy reviews• Successfully rolled out the Regional Strategic Leadership Agenda (SLA) cascade exercise for South Asia. Led a team of 35 senior managers with end-to-end responsibility for planning and executing the SLA Cascade across the organisation• Responsible for quarterly Competitor Intelligence and annual Key Competitor Metrics exercises for Regional AsPac reporting• Spearheaded the implementation of Global Standards of Programme & Project Management (Resource, Dependency, Financial, Risk, Project Gates Approvals)• End-market lead for the global launch of Clarity – a Project and Portfolio Management software• Provided recommendations and intelligence on strategic project portfolio progress via one-on-one reporting to the CEO and CXOs• Member of the Corporate Risk Management Committee, responsible for the Project Portfolio Risk Register. Provided independent recommendations to the Committee on risk responses/mitigation plans• Conceptualised, designed, and published the S&P PMO newsletter

• Responsible for introducing, embedding, and driving a formal Project Management and Governance model in the organisation to foster a ‘stretch’ business culture • Implemented PRINCE2-based Project Management framework across the organisation with clear project selection, prioritisation, and governance standards and criteria• Managed the organisation-wide portfolio of 40+ projects with total investments exceeding GBP 50 Mn. Identified issues via periodic health checks and benefits-tracking resulting in 30% increase in projects completed on-time • Launched South Asia Area’s first Regional Strategic Programmes in 2008 via road shows across Pakistan, Bangladesh, and Sri Lanka• Responsible for upskilling the organisation in Project Management. Conducted workshops/trainings for 50+ project managers• Maintained a repository of experience/lessons/knowledge-base and successfully applied learning’s from past projects to similar initiatives enabling cost and time savings• Collaborated with Project Managers at all levels across the organisation. Designed and conducted Programme/Project Definition workshops (PDW's) to support the business with subject matter expertise • Instrumental role in launching Programme Offices in BAT Bangladesh and Ceylon Tobacco Company through first-hand consultation, onboarding, and comprehensive orientation of newly appointed Programme Managers

- Credit program promotion & sales- Pricing & merchandizing- Product expertise- Intra-company stock optimization