fields of expertise
Digital Payments Operations
Twenty (20) + years of experience in Business & Operations focused on Alternate delivery channels, Digital Payments and Cards, POS, Merchant Acquiring, ATM Machines, QR code, Technology support, Project management, customer support, and products.
Diligent Channel Management &Operations capabilities with a proven track record of success leading all phases of diverse Alternate delivery channels for Financial Sector (Telenor Micro Finance Bank, Dubai Islamic Bank / Soneri Bank, Shaheen Air Line).
Strong Program Management skills comprising of scope management, time management, cost management, quality management, communication management, procurement management, Risk management and conflict resolution skills.
Recon around 500 POS terminals and ATM’s Machines daily basis.
Have breadth knowledge of Product Development which includes product design, product testing, business planning, UAT management and final launch.
Actively involved and executed All G2P projects such as Benazir Income Support Program, biggest financial support program from the Govt. of Pakistan.
Extremely strong in managing Alternate Business Channel Planning and execution, have led Alternate Delivery Channel units in various banks with designing of ATM processes.
Key knowledge of Supply chain management and IT procurement which involves need identification, evaluation, selection, release and receipt of goods and supplier assessment.
Having Strong skills in client and vendor relationship management and vendor evaluation.
Have involved in IT planning, budgeting, and resource allocation for various projects.
Strong management and leadership skills with ability to motivate professionals and maximize levels of productivity.
Have designed asset procurement system which covers requisition, purchase inventory, payment, and depreciation and disposal process.
Excellent team player within all levels of organization including business and technology processes.
Specialties: Product Development, Project Management, Business Research & Development, Product Analysis, Marketing, Quality Assurance. People Management Skills, Team Building, Training & Coaching and Strong Communication Skills.
Scheme Cards Issuing and Acquiring Experiences.
Merchants Management and POS Deployment, POS Acquiring till 500 plus Merchants.
Excellent ability to create Digital channels Manpower&Operational Budget and managing Project Financials.
Excellent ability to run multiple High-End IT Projects independently, Project Planning, Status Reporting, Project Tracking, Risk Management,Milestones and Vendor Management.
United Courier & Logistics & Mangwow (Delivery Services): September 2021till Now
• Maintaining the commitment of delivering and picking up packages (International & Domestics) along with providing exceptional customer service.
• Assisting customers face-to-face and over the telephone concerning packages and other DHL and FedEx services.
• Properly arranging boxes and other parcels to ensure the safety of the vehicle and packages and fitting the number of packages that will be delivered during the trip.
• Operating vehicles, usually large trucks, while transporting, delivering, and picking up packages.
• Understanding the directions, remembering them, and carry the instructions out.
• UPI (China Union) EMV Card launched and Domestic EMV Issuing and Acquiring our ATM and POS terminals
• Pay Pak EMV card Acquiring and Issuing local switch regulatory project on ATM and POS.
• Successfully done EFT and IBFT 2.0 regulatory project.
• Successfully launched APM POS for cash withdraws, IBFT and Balance Inquiry solutions over 750 Merchants in Pakistan
• QR Code collaboration with Master Pass
• Pay Pak Card local Domestic Scheme with 1 link and SBP.
• ATM Machines delivered and Install North & South Waziristan for FATA Project
• Successfully launched Easy Paisa M wallet Card in Pakistan with Telenor
• Successfully G2P Projects like BISP, Merlin, KPK cards, Easy Paisa Cards and OTC
• Recognition Of Outstanding Performance – 2009 – ADC Cards solution
• Record ATM Cards Produced in Soneri Bank Ltd 2007
• Recognition Of Outstanding Performance – 2010 – ADC Cards solution
• Recognize Best Department ADC in Telenor Bank 2012
Training and Certificates
• Managing and Understanding Acquirer P&L, Master Card Two Days Workshop
• Reforming Digital Payments = A regulatory Perspective ( Bankers Development Institute)
• SBP New Payment Initiative (Bankers Development Institute)
• Product Development and Product Simulation from EDTechworx
• Digital Banking Workshop (Delson Group)
• Master Card Two days Training Course “Card Management”
• Payment Card Industry Data Security Standards from Risk Associates Australia PCi Security Standard Council
• MBA in Payments for Terrapin Training September 2015 Islamabad Pakistan
• 1 Day Workshop “Employee Retention Strategies” from IBP
• 1 Day Workshop “Business Writing Skills” from IBP
• 2-Day Workshop on ATM OPERATIONS POLICIES & PROCEDURE (IBP)
• 1-Day Workshop “Operation Risk –Identification Classification Assessment & Treatment” (IBP).
• Successfully conducted the in-house training HR Recruitment Policies for HR Department.
• Successfully conducted the in-house training ATM Policies and Procedures for all branches
• Successfully completed two days’ work shop for Leadership Skills. (Nov 2014)
First name / Last name