Specialties: Project Management, Enterprise and Retail banking product management, franchise development, relationship management & partnerships, portfolio analytics, brand management, Sales and partnership distribution, Compliance and Risk Management.
Capitalizing on MBA from United Kingdom, Oxford and backed with sound technical skills helped me to spearhead successfully IT technical teams (TCS/Vendors), sales team and project managers to deliver large value business projects (+50 million USD) with an objective of reducing cost to serve and process/system improvements.
✓ Managing and reviewing Business applications architecture blueprint on a regular basis to maintain the alignment with new business and organizational requirements due to market demand.
✓ Creating Digital and Channels strategy roadmap for business growth and focus on reducing cost to serve.
✓ Demonstrating personal commitment and accountability to ensure standards are continuously sustained and improved both within the internal teams, technology partners organisations and suppliers.
✓ Building sales strategies by collating, utilising valuable market data and keeping sales team focused and driving for results by building effective KPI modules and incentives.
✓ Leading large multi-stream programs in complex, multiple stakeholder, matrix managed technology environments.
✓ Shaping programmes and projects utilising a variety of delivery frameworks, latest methodologies and tools.
✓ Very strong influencing skills and ability to communicate complex technologies and processes in a clear and coherent way.
✓ Implementing framework and reporting metrics to measure the success of business development opportunities with each customer / account.
✓ Managing 3rd party delivery partners and outsourced IT service providers to ensure the successful delivery of the IT portfolio.
PROFESSIONAL EXPERIENCE AND ACHIEVEMENTS (23+ YRS)
Ceo, Indipaisa Aug 2021 – present
➢ Setup business functions in India and provide commercial banking solutions to micro SME’s of India ( approx. 59 Millions audience). ➢ Manage partnership and licenses with the partner Fintech and Banks and comply with Regulator
➢ Build products and a business sustainable model for quick growth and provide payments products to the micro SME’s which are easy to use and removes frictions for their day to day business needs at the same time comply with the Govt taxes and laws.
➢ Build a team who can deliver and execute the company vision.
➢ Bring revenues and business growth for the company by scaling the product and services by building communities Country Manager – Corporate Business Oct 2016 – Aug 2021
QPAY International, Doha- Qatar
➢ Deliver innovative Acquiring(POS) and Issuance(WPS) projects and products in the field of Payments. ➢ Manage team of professionals in delivering projects in time and within budget.
➢ Build corporate business relationships
➢ Responsible for developing new business opportunities with potential and existing accounts across the Middle East.
➢ Manage the day-to-day operational and business development relationship with Enterprise customers in order to improve business results and opportunities.
➢ Report on key technical, demographic, market demands and financial information, to add value proposition throughout the customer base and update dashboard on customer reporting metrics to measure the success of business developments and opportunities gained.
➢ Keep updated with local market conditions and competitor information and taking appropriative actions with management’s endorsement.
Program Manager, Business Technology Solutions, Digital and Enterprise Banking. 2012 –Sep 2016
Commercial Bank of Qatar (CBQ), Qatar
Responsibilities: ➢ Deliver innovative digital channel projects and manage team of professionals in delivering projects in time and within budget. ➢ Initiate new projects for the business benefits and manage resource capacity. ➢ Manage IT project delivery team ( Outsourced and Internal) for delivering key cloud based business projects for SME such as HR & Payroll, Email & Document management, Share point, Time and Attendance, real time web designing, webhosting, web portals and internet banking systems / new banking channels.
➢ Manage customers’ requirements, and plan sales strategy to identify key areas of growth and achieve long-term strategic business objectives for the region.
➢ Developing and maintaining multi-level relationships within the account in order to maintain long term visibility of strategy, plans and competitor activity.
➢ Manage team for support and operation activities in collaboration with MEEZA in QSTP for payroll solutions for MSME in Qatar, a joint venture of Qatar Foundations. ➢ Conduct training workshops for SME and increase product portfolio for Enterprise customer base and develop and strengthen working relationships and trusted advisor status with key partners.
➢ Recommend effective communication tactics to the Channel Communications and Marketing departments for growing the Enterprise customer base and communicating proactively and articulating to management regarding market/client updates and provide new solutions for Enterprise customers.
Digital Transformation Enterprise programs delivered /actively participated: • Enterprise Mobile App for SME – 1st in the region • Straight Through Processing of financial transfers (Operations automation) (cost save by 10 FTE ) • Instant Account opening automation (account and cards) • International Transfers via ATM’s • Cardless Deposits to automate operation workload. • Cloud based applications for Enterprise customers Project Manager, Cards IT Department. 2008 – 2012
Commercial Bank of Qatar (CBQ), Qatar
➢ Managed IT Project for upgrading the CB Debit card/NAPS ATM authorization switch (IST 7.6) with latest hardware and software (Sun/Oracle/Java). Implemented new debit card management system (eCMS) for producing chip cards. This allowed the organization to have robust system 24x7, saving time and cost by automating back office operational services.
➢ Managed the banking channels projects for commercial bank:
o ATM, switch for payments, deposits and remittance to other countries ( debit/credit).
o Point of sale for merchants with loyalty program capabilities.
o Web site development for private / corporate and loyalty programs such as wafapoints /rewardpoints.
o E commerce for the merchants ( Acquiring / Issuance )
o Cloud based HR & Payroll solution for SME clients integrated with Corporate internet banking.
o Instant account opening solutions by providing customers with debit / credit cards /cheque books.
o Mobile banking solutions using interface for platforms such as Windows, IOS ,BES and Android.
o Intelligent contact management ( ICM) linked to Meridian and Nortel telecommunication system.
o Altitude, contact management software, integrated with Cisco telecommunication system.
➢ In March' 2009 the organization initiated IT Change Management program and I was given the opportunity to establish the IT change management policies and procedures. Since then, besides managing IT Projects, I also managed IT Change Management successfully.
➢ Managing and supporting franchises IT projects (Egypt, UAE and Oman) for Card Banking Systems (Prime / Online). Migrated the entire Egypt Diners card holders database to third party processing company: Network Processing Company (NPC) as part of M&A strategy.
➢ Dealing with external vendors, clients, business units as well as internal teams in managing E-commerce project.
➢ Managed Pearl - Qatar Project to implement e-purse, NFC mobile device and contact less card systems.
➢ Managed Instant Account Opening (IAO) to deliver the personalized cards within 15 minutes to the customer.
➢ Managed Alfardan ATM remittance project for lower mass to remit money instantly to their beneficiary country.
➢ Participated and Managed CB Data Center relocation and Disaster Recovery Project. (Verifone Full ISO project).
➢ Manage the execution of new programs/projects and implementation of IT strategies.
IT Change Manager, IT Department. (Dual Role along with IT PM) March 2009 –2012
Commercial Bank of Qatar (CBQ), Qatar
Along with managing IT projects was assigned additional responsibility in Implementation of Control Objectives for Information and Related Technology (Cob IT) standards within CBQ IT Department and streamline the IT Application and Infrastructure processes using tools and techniques such as Assyst, Risk Management tool.
o Receiving change request from Head of Department and ensuring that they are properly analyzed under risk and impact assessment.
o Peer review and acceptance before formal Change Advisory Board (CAB) approval
o Ensure that there is no conflict between same system changes.
o Identifying Emergency changes and Approving Emergency change implementation
o Scheduling of Changes with the CAB and Designated owners
o Preparing CAB meeting agenda and providing all necessary review information to the CAB members.
o Approving requests for minor changes or assigning major change approval to CAB.
o Notification to CAB on all failed change requests and identifying root cause.
o Providing change notification to the Change Initiator and other affected parties.
o Monitoring the successful completion of all requests for change (RFC’s).
o Reviewing and evaluating the change process.
Oxfordshire Fire & Rescue Services(OFRS) Sep 2007 – Dec 2008 Oxford, United Kingdom.
Lead Consultant, Oxford Business School Responsibilities:
The primary objective of the project was to provide Managers with a framework of guidance that will assist with the identification, improvement and enhancement of “Oxfordshire Fire and Rescue Services Organisational development through benchmarking” with best practice and user expectations.
This report assisted in the identification of training and development opportunities for the skills, knowledge and expertise of Oxfordshire Fire and Rescue services with a view to improve the local community services and prevention agenda more effectively. OFRS benefitted with the following:
➢ Development of Oxfordshire fire and rescue department within the National framework criteria for local community and Local Strategic Partnership (LSP).
➢ Improved public awareness and education on a diverse range of safety initiatives
➢ More effective, efficient and economic use of public financial resources resulting in better value for money for the community
➢ Better understanding of Oxfordshire community expectations for Oxfordshire Fire and Rescue service.
Senior Cards System Analyst, IT Department. January 1999 – Aug 2007
Commercial Bank of Qatar (CBQ), Qatar
➢ Manage cards project implementations for CB and franchises (Egypt / Bahrain)
➢ Provide training to all internal customers on cards products and IT system (Prime / Online / IST / POS) capabilities.
➢ Create and execute SLA for POS applications vendors. Conduct market analysis on POS and cards related systems.
➢ Provide recommendations on new IT systems or existing card products enhancements.
➢ Lead all technical card product development initiatives.
➢ Support and coordinate between franchises and our partner banks and manage certification for CBQ’s card payment systems from Visa, Master Card, Amex and Diners Club.
GIS Coordinator, CGIS. 1996 – Dec 1998
Ministry of Municipal Affairs and Agriculture, Qatar
Co-ordinate within Center for Geographic Information Systems (CGIS) and other departments of Ministries, such as Qtel, Electricity and water, agriculture, fisheries, real estate, petroleum, ministry of interior , for the development and Implementation of Geographic Information Systems (GIS).
Developed and executed Farms information management system (FIMS) within the ministry of Agriculture.
Developed GIS applications using the aerial photographic and topographic data for cross sectional departments. The natural water storages and wells were also studied and collected data was utilized for research study and GIS programs.
Actively participated in the 1997 - Global GIS conference for the recognition of Qatar, for being the only country to have Nationwide GIS program. (www.gisqatar.org.qa)
Senior Research Fellow, Goa - India 1994 - 1996
National Institute of Oceanography (NIO), Government of India
Council of scientific and industrial research (CSIR)
Research Fellow (SRF) at N.I.O (Data & Information Division), and was responsible for developing the Data Base Management system, required for Geographic Information Systems (GIS) and Research purpose.
During my tenure, I have actively participated in research related to Environmental Studies, looking into Earth sciences and Remote Sensing Analysis.
Also in my master’s degree thesis, I have extensively worked on the underwater currents, which play a major role in environment ecosystem. In regard to study the Environment impact on the west coast of India, by man made changes, I have also been on ORV Sagar Kanya, a research vessel for 45 days, cruising up to 4 degree south of Indian Ocean.
Participated in various environmental programs and had to visit National Remote Sensing Agency (NRSA), Hyderabad , and Indian Meteorology Dept (IMD), Pune for the data analysis and their environmental impact studies.
Moreover, attended various programs organized by NIO and other Research Institutions in regard to waste management / oil spill / environment management. I was also project scientist for the Marine Satellite Information Systems (MARSIS), which was required to develop the Coastal Zone Information System (CZIS). I have hands on experience in using GIS/ GPS systems. QUALIFICATION
M.B.A Oxford (United Kingdom), Business Strategy and Administration
(oxford brookes + said Business school, university of oxford). Building a Business - Entrepreneurship
P.G.DBM Goa University (RA) (India) Business Management
MSc Goa University (India) Applied Science
Graduate Goa University (India) Electronics
Prince2 Foundation and Practitioner
Application Designed and Managed.
• Enterprise Mobile application , 1st in the region for Enterprise customers
• Cloud based IT solutions for Enterprise customers.
• Retail and Mobile internet banking application.
• Instant issuance of Credit cards and contactless credit cards implementations.
• Reporting management systems (POS and Loyalty) for Card holders and Merchants.
• Developed various in house application for back office, integrating CB cards systems ( Prime, Online, IST )
• Franchise Information System for Egypt and Bahrain (Remote Cards Data Management in Oracle 9).
• Farms Information Management System & Meteorological info System (Arcview, Mapobjects)
• GPS Data Converter on the Unix Platform using ARC/INFO
• Remote Database Retrieval & Management (INGRES RDBMS) at the National Institute.
PARTICIPATION IN PROFESSIONAL COURSES
1. Building a Business, Oxford Business School, Oxford University, United Kingdom.
2. I.T Project Management from B.M.C ( Business Management Institute ) – PMP credits
3. Microsoft Dot NET Technologies
4. Oracle 8i, DBA course.
5. SAP, ERP and CRM
6. Two Weeks training on Global Positioning Systems (GPS) conducted by TRIMBLE GPS, at the AIC, MMA&A , Doha -Qatar.
7. One and Half month training course on ARC/Info, Arcview,VB at the Centre for Geographic Information Systems. MMA&A, Doha –Qatar
8. Participated in a cruise for Indian Ocean Data Collection , By the National Institute Of Oceanography, Govt of India on “Sagar Kanya” ORV vessel.
9. Two weeks Training on GIS (PAMAPS and IDRISI ) at National Remote Sensing Agency, Dept. Of Space , Govt of India, Hyderabad
10. One and Half month course on “Remote Sensing and it’s Applications” conducted by Department of Space, Govt of India. At the National Institute Of Oceanography, Goa ( 3/3/96 to 17/4/96 )