Murad is the Global CIO for NETSOL Technologies (NASDAQ:NTWK) and has been instrumental in driving the cloud first transformation for this global Auto Finance FinTech with Tier-1 Automotives as its clients globally across China, US, Europe and APAC.
Murad is also spearheading OTOZ FinTech & Mobility product and platform strategy as its co-founder and CPTO. His mission is to revolutionise the car buying and ownership experience by building out the right blend of online and offline experiences within the OTOZ platform.
He believes that in the race to win customers, automotive clients (manufacturers & lenders), dealers, mobility and ecosystem partners will need to work in an integrated manner to curate intelligent digital apps which solve a range of problems for the end customer delivering through sales and after sales delivered through an omni-channel experience.
The OTOZ SaaS platform leverages common elements – APIs, market integrations, core business services (implemented as microservices) and analytics (AI, Machine Learning, product growth). These elements are flexible, scalable, secure and can be used to quickly launch white-labelled digital retail and mobility products on the platform. Speed is of the essence for clients to remain competitive, and the OTOZ platform helps accelerate their ability to launch, adapt and scale new features quickly. OTOZ delivers agility through its cloud native architecture and state of the art DevOps implementation.
Before joining NETSOL, Murad led Fintech and Disruptive technologies for Capital Markets in Deloitte and was part of several innovative initiatives with MAS (Monetary Authority of Singapore), FCA (UK) and tier-1 Banks / Asset Managers around leveraging Blockchain technology, Analytics and Open APIs.
His work on Blockchain featured in the World Economic Forum report - ‘The future of financial infrastructure – study on how blockchain will disrupt financial services’. The RegTech Book (published July 2019) showcased his work on ‘Market Surveillance’ and he was also the key contributor to the first ever playbook on Open APIs produced for the Association of Banks in Singapore and the Monetary Authority of Singapore.
Murad has also launched and scaled B2B and B2C products in senior product roles and as a co-founder for startups and established tier-1 financial companies globally.