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Credentials

  • Build & Manage a Profitable SME Card Program
    Mastercard
  • Build & Manage a Profitable T&E Card Program
    Mastercard

Experience

    • Top 50 Global winner 2015 | Startup Open GEW
      • Nov 2015 - Present
      • Remote

      Global Entrepreneurship Week recognizes some of the most promising new startups from around the world through its Startup Open competition. Founders from 89 countries submitted more than 800 startups for consideration. After rigorous review by the judges only 50 were selected as the Global Top 50 for the year 2015.The countries with multiple startups represented were the United States (16), India (6), Kenya (3), China (3), United Kingdom (2), Israel (2), Sweden (2), Philippines (2), Pakistan (2), and Portugal (2). The following countries had one startup listed: Cameroon, Azerbaijan, Canada, Netherlands, Jordan, Chile, Nigeria, Ukraine, Uganda and Ireland..https://www.genglobal.org/profiles-2015

    • Independent Researcher
      • Mar 2012 - Present

    • Pakistan
    • Banking
    • 700 & Above Employee
    • Sr Manager Service Quality Non Branch Entities
      • Apr 2024 - Present

    • Sr Product Manager | Debit Cards & Alliances | Digital Banking
      • Jul 2017 - Apr 2024

    • Product Manager | Debit Cards & Alliances | Retail Banking Group
      • Sep 2016 - Jun 2017

      • Responsible for the Overall Management of P&L of Debit Cards• Budgeting & Forecasting.• Develop strategies for POS Spend & Debit Card Issuance and forming Strategic Alliances.• Improving current customer acquisition channels and coordinating all operations for the renewal of these channels with relevant parties and departments.• Responsible for maintaining business relationship with vendors, industry personnel and other stakeholders within and outside the bank and serve as a direct contact point for stakeholders. VISA & Mastercard specifically• Working closely with third party vendors for product innovation and new initiatives• Analyze the customer usage patterns and market trends in order to devise usage and latent demand for products ensuring their utilization and understanding by the customers and ensure profitability for the bank.• Assist in formulation and implementation of strategic business direction with regards to Debit Cards to the senior management.• Analyze product portfolio to devise portfolio management initiatives and perform risk assessment to identify and mitigate operational risk within the product portfolio.• Running portfolio/CRM campaigns for existing customers, such as activation, anti-attirition, retention and upsell campaigns.• Support the senior management in driving initiatives that enhance bank image and promote customer satisfaction and loyalty with regards to the product.• Devising and implementing policies and procedures with relation to product to ensure smooth operations.• Conduct periodic reviews of product processes, policies and procedures to ensure routine revision of policies and compliance with the same.• Responsible for providing support to staff at the branch level to ensure understanding of product.• Test new procedures prior to the implementation.• Provided Marketing guidance for Corporate Branding and Consumer Banking.

    • Pakistan
    • Financial Services
    • 1 - 100 Employee
    • Freelance Consultant | Cofounder - enovatrx
      • May 2016 - Jun 2017

    • Co-Founder | e-novatRx
      • May 2015 - May 2016

      • Project Manager & Ex CoFounder of enovatRX (startup incubated by Naya Jeevan) South Asia’s first ever e-pharmacy benefit management system providing integrated health and finance digital platform (both online and via a mobile app) to digital prescriptions (eRx), Signed MOU with NADRA • Prepared a complete Business Plan and Financial Model of an early stage startup e-novatRX to understand the product feasibility and financial performance. (Got selected by the Global Entrepreneurship Network (as GEW TOP 50) startups globally out of 800 startups based on the business plan).• Represented and gave startup Pitch on various business case competitions and Platforms. (semi-finalist of a USAID Funded and MIT University sponsored Business Acceleration program).

    • Senior Key Account Manager
      • Nov 2014 - May 2016

      • Formed Strategic Alliances / Drafted and Negotiated MOUs with NGOs, social enterprises and a large Government Organization to Capitalize on / Leverage core competencies for Business / Network – Capacity expansion. • Research, source and submit Institutional and Foundational grants applications, LOI - letters of interest and CTA - call to action requests.• Conducted trainings and workshops on micro health insurance for various lower income communities having a crowd size of approx 200+ families and individuals. • Proposed Tailor Made micro health insurance solutions for the under-privileged communities in Pakistan.• Monitor CSR activities and provide weekly business intelligence reports / consultation to the management regarding upcoming CSR projects by various local and foreign corporates.• Provide intelligence data and analysis to help drive product development and innovations.• Generate New Business whilst provide consultation on Health Insurance and preparing business proposals for the same. • Assist in drafting MOU and negotiation process with the hospitals.

    • Marketing Manager
      • May 2016 - Aug 2016

      • Conduct Business intelligence / Competitor analysis.• Prepared a detailed Research report on the Outlook for global tube Packaging Industry. • Responsible for Researching and carrying out business development activities in the Middle East, North Africa and Pakistan.• Prepared a refined version of the company Profile.• Involved in rebranding of the Company Website and Advising the management on marketing communication strategies.• Assisting the Planning department in Demand and supply Planning.

  • Citi
    • Pakistan
    • Service Manager | Corporate & Investment Banking
      • Jun 2008 - Aug 2010
      • Pakistan

      Provided complete product coverage / advice on: Trade, Cash Management and Electronic Banking.Corporate Portfolio Managed: ° Shell | P&G | Engro | Hubco | Pfizer | Novartis | Lucky Cement | Alkaram Textile | Clariant (Archroma) | 3M | Intel | Mobilink | Sanofi Aventis | PIA | Singapore Airlines • Executed activities to monitor, review and influence client satisfaction by carrying out detailed Market Survey for the Bank while also analyzing their level of satisfaction with our competitors by conducting competitive analysis; Suggested process improvements.• Assisted and worked in projects with Product Managers, trade specialist, marketing and operation teams Cross functional department coordination.• Contributed in key Projects; Directed and Lead the critical task to bring Intel, Malaysia to use Online Banking services in Pakistan which was successfully implemented through coordination with cross functional teams; Assisted product team for Procter & Gamble P&G in reducing their efforts and minimize their workload of sending their CDT requests through cumbersome procedure. • Conducted and lead onsite client monthly meetings. Discussed service / transaction issues while maintaining a clear vision of the client’s future business needs and major transactions. • Prepared and presented monthly report for Procter & Gamble performance status for the regional team of Citibank – Dublin that identified key performance measures related to P&G’s trade & cash transactions and business issues. Lead weekly conference calls with P&G’s treasury team regarding online banking / operational and business process issues. • Conducted meetings and maintained consistent follow-ups with State Bank of Pakistan (SBP) regarding corporate accounts; Worked on trade and remittance approvals keeping in mind the legal / regulatory constraints of SBP and Citibank; • Managed remittances of telecommunication / Oil companies.• Monitored quarterly interest payments of client’s credit facilities

Education

  • 2010 - 2011
    University of Leeds
    Msc International Business | Business Economics, International Business
  • 2015 - 2015
    Massachusetts Institute of Technology
    MIT | USAID Business Acceleration Program for Pakistan | Alumni | SemiFinalist | e-novatRx
  • Karachi University
    Masters in Public Policy
  • Karachi University
    Bachelors in Public Policy

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Industry Focus. “Strategic Management Services”

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