Experience

Netstratum Technologies

• United States
• IT Services and IT Consulting
• 1 - 100 Employee

• Managing Director - Payment Technology

  • Sep 2023 - Present

  Dubai, United Arab Emirates



Mastercard

• United States
• IT Services and IT Consulting
• 700 & Above Employee

• Director, Account Management , Abu Dhabi

  • Jul 2018 - Aug 2023

  Abu Dhabi, Abu Dhabi Emirate, United Arab Emirates Relocated back to the UAE in 2018 to exclusively managed the largest UAE partner for the organisation. Primary responsibility to manage the leadership team of the Partner’s Personal Banking Group. Achievements: ▪ Sales Champion MEA 2018 & 2021 for the Portfolio Flips with Key issuers in the Region. ▪ Launch of various payment programs across Banks in the region. ▪ Launch of the first Domestic workers’ wages protection system “MOHRE” with the largest Bank in the MENA… Show more Relocated back to the UAE in 2018 to exclusively managed the largest UAE partner for the organisation. Primary responsibility to manage the leadership team of the Partner’s Personal Banking Group. Achievements: ▪ Sales Champion MEA 2018 & 2021 for the Portfolio Flips with Key issuers in the Region. ▪ Launch of various payment programs across Banks in the region. ▪ Launch of the first Domestic workers’ wages protection system “MOHRE” with the largest Bank in the MENA region. ▪ Launch of X-Pays and wallets across multiple banks in Abu Dhabi. ▪ Successful deployment of Remittance capability XB Send with Key Banks. ▪ Integration of the UAE wallet “KLIP. ▪ Launch of Travel rewards platforms with various Banks. ▪ Launch of Multiple Advanced AI hyper personalization Platforms.

• Vice-President, Member Relations, Qatar & Oman

  • Mar 2012 - Jun 2018

  Dubai, UAE Overall responsibility for the P&L of Qatar & Oman. Managed key accounts in Qatar & Oman including the top 3 banks in the the countries. Achievements: ▪ Launched 2 new banks exclusively on the MasterCard railroads in Oman ▪ Flip of the 2nd largest bank in Qatar’s Debit portfolio to MasterCard after an extensive negotiation which spanned 3 managements & 5 years. ▪ Launch of Multi currency prepaid programs with Exchange houses primarily on the Cash passport platform.

• Associate Vice President , Member Relations - Qatar, Oman & UAE

  • Jul 2008 - Mar 2012

  Primary responsibility of managing the Account Relationship for the Banks in UAE, Oman & Qatar. Retained key focus on business development, planning, implementing and coordinating sales activities to achieve the product targets Achievements: ▪ Launch of the “Smart Pay “WPS” program for UAE Exchange. ▪ Launch of the first “World “Credit Card program in Qatar with Commercial Bank of Qatar.



Payment Systems Consultants FZ LLC

• Director Business Development

  • Dec 2006 - Jul 2008

  Key Responsibilities: ▪ Relationship management for MasterCard worldwide for over 40 regional banks in the GCC which includes the likes of Dubai Islamic Bank, Commercial Bank of Kuwait, Commercial Bank of Qatar, Oman International bank, Arab National Bank, KSA etc. Able to achieve 40% growth in GDV in overall MasterCard Portfolio. ▪ Consultancy and Training projects in Egypt which included banks like United bank of Egypt etc. Involved in the set of up a new prepaid platform for a big… Show more Key Responsibilities: ▪ Relationship management for MasterCard worldwide for over 40 regional banks in the GCC which includes the likes of Dubai Islamic Bank, Commercial Bank of Kuwait, Commercial Bank of Qatar, Oman International bank, Arab National Bank, KSA etc. Able to achieve 40% growth in GDV in overall MasterCard Portfolio. ▪ Consultancy and Training projects in Egypt which included banks like United bank of Egypt etc. Involved in the set of up a new prepaid platform for a big firm out of Saudi Arabia targeted at unbanked population which includes different segments such as employees, teens, gift cards etc. ▪ Launch of the largest Payroll Program in the UAE with C3 Edenred card today with currently 1.5 million cards, a payroll and prepaid services provider in the UAE. Handling integration of systems and operations with various third party providers including call centre, card services providers and bank. Show less



Edenred UAE

• United Arab Emirates
• Financial Services
• 1 - 100 Employee

• Operations Consultant

  • Jun 2007 - Jun 2008

  Primarily responsible for setting up the operations unit of c3 cards comprising of self service Mobile ATMs, Call Centre and Weblinks.



International Bank of Qatar (IBQ)

• Qatar
• Banking
• 100 - 200 Employee

• Manager, Retail Delivery (Alternative Delivery Channels)

  • Jan 2005 - Dec 2006

  Doha, Qatar Achievements: ▪ Launch for the MC2 EMV compliant card in the Middle East region with the help of a major Bureau service provider in the region. ▪ Led the launch of the First EMV Compliant NAPS (National ATM & POS Switch) Debit Card in Qatar in consultation with Qatar Central Bank. ▪ Conversion of the existing proprietary ATM switch to an EMV based outsourced acquiring system. ▪ Implementation of a full-fledged IVR system based on Relationship Management. ▪ Commissioning of 8… Show more Achievements: ▪ Launch for the MC2 EMV compliant card in the Middle East region with the help of a major Bureau service provider in the region. ▪ Led the launch of the First EMV Compliant NAPS (National ATM & POS Switch) Debit Card in Qatar in consultation with Qatar Central Bank. ▪ Conversion of the existing proprietary ATM switch to an EMV based outsourced acquiring system. ▪ Implementation of a full-fledged IVR system based on Relationship Management. ▪ Commissioning of 8 new ATM’s and expanding the existing network from 6 to 14 ATM’s ▪ Establishment of Loyalty program based on prepaid cards and minimum balance on current/ Savings accounts. ▪ Team head of 9 people including two team leaders, managing the Retail Delivery which includes the electronic banking and the Fulfillment and Telephony unit. ▪ Achieved EMV Compliance & new card products with QCB, MasterCard International, VISA. ▪ Establishment of a loyalty program based on minimum balance accounts enabling to dispense loyalty as a loan. Show less



International Bank of Qatar QSC and Grindlays Qatar Bank QSC

• Various Managerial Positions in Cards

  • Jan 1996 - Jan 2005

  Qatar