Executive Manager - Digital Factory (Product Owner)

• Aug 2021 - Present

Project Development Manager

• Jan 2013 - Jun 2021

§ Initiate and support strategic design, including business planning & market strategies, ensuring the division makes a significant contribution to the overall organization. § Work in partnership with Senior Management to develop best practices, lead ad hoc projects and drive our position as the leading payment's innovator in Kuwait. § Developed the company Business Strategy which aimed at maintaining and growing the business.§ Managing and Maintaining the strategic Relationships with major partners (Banks, Government and Telecoms). § Strategically drive business development and innovation of payment services. § Support in a leadership capacity the digital transformation across the Kuwait Banking, Government and telecom sectors.§ Drive innovation and the development of new products and solutions in the payments industry while maintaining the stability of the payments infrastructure and solutions.§ Built strong relationships with key internal and external stakeholders.§ Developed comprehensive business enhancement plan for Government Electronic Payments resulting in a 150% increase in number of Contracts with Gov. bodies, 1400% increase in transactions, 650% increase in value over 5 Years. § Develop and modify existing products, benefits and services based on market research to better suit the differing consumer requirements.§ Effective leader with track record of successfully managing large E-payments projects in Kuwait, assuming full ownership and budgetary responsibility for project delivery. § Successfully led and sponsoring the major strategic projects of Knet during the last 10 years

Project Manager

• Jan 2011 - Jan 2013

Managing PMO at Knet (The National Switch Company in Kuwait)

Manager - Cards Products

• Oct 2008 - Dec 2010

1.Identifying and capitalizing on Cards / system improvement opportunities from related departments and evaluation requests from the departments to identify and disseminate best practices for Cards. 2.Identification of new Cards / system development opportunities to evaluation of new Cards / system requests from the departments and implementation of actions.3.Managing Cards portfolios and ensuring that the Bank gets the best out of its customers in terms of share of wallet, Design and launch targeted campaigns in coordination with the segment management function.4.Development of Cards profitability models for each Cards and Design of the Cards investment plan.5.Management of budget for Cards products and making year end projections for the current year and the year to be budgeted.6.Growth of revenue from Cards and market share Number of Cards and their profitability on channel basis by time duration for the new Cards development cycle Time duration for the campaign cycle.7.Define the main targets for the Cards and coordinate the revision activities and sharing of Cards strategies.8.Formation and execution of third party relationships to Cards development for third party and management of cooperation for Cards with the third party.9.Market research based on Cards usage behavior of customers and contribution in shaping of advertisement activities for informational and image forming purposes.10.Performance Management of Cards Management Personnel that identification of adhoc or routine training requirements for the Cards management personnel and undertaking of the periodical performance evaluation tasks that undertaking of the yearly performance evaluation tasks for Career planning of the Cards management team.11.Reporting and Monitoring Formation of the templates for routine reporting and of adhoc reports upon requirements.12.Role of Cards champion the Cards through coaching, training, communication and gathering feedback on the Cards.

Cards Products Manager

• Sep 2003 - Oct 2008

1. Managing the profitability and growth of the Cards portfolio in the Housing Bank.2. Development of the Card product group in order to provide competitive advantage to the Bank by distinguishing its Card products based on delivering superior value to the customer and profitability to the bank.3. Product positioning and customer segment analysis to identify and focus on profitable segments. 4. Develop and implement all stages of concept testing, evaluation, and profitability analysis and marketing plans for product development, pricing and distribution.5. Develop and run promotion campaigns in line with business objectives.6. Conduct analysis of competitive product benchmarking.7. Work with Credit department to develop product parameters and campaigns recommendation documents for Cards products in line with market requirements.8. Identify and leverage the opportunity to increase penetration in profitable segments. Tailor products and services based on segment opportunity and profitability.

Cards Project Manager

• Sep 2003 - Oct 2008

1. Planning and Developing the strategy of project with respect of the overall organizational Objects and strategy.2. The organizational Framework of the Project, including Building the project Team, assigning the Project Team responsibilities, Controlling and evaluating the project Team work.3. Managing the project resources (Time, Stakeholders, Budget,…)4. Managing the project Risks and issues.5. Discussing and reporting the status of the project to the Top Management.6. Leadership7. Present training courses to the bank staff about the projects and how to successfully apply it.Projects: 1. Smart Card (EMV) Project – VSDC and M.chip (Visa & MasterCard).2. MultiXpack System V.6 Project which is related to the Management and Settlement of Cards – EMV, Credit, Charge and pre-paid cards. 3. Issuing Cards for Foreign Branches and Banks (Like Bahrain, Libya, Algeria, Syria), and managing all accounting treatment, Operational and marketing aspects regarding this issue (Visa & MasterCard). 4. Pre-paid Cards Project and its settlements and marketing campaigns. 5. ATM EMV acquiring project with visa international. 6. Accounting automation of Credit and debit cards accounting procedures and treatments.7. Bonus points and loyalty Projects for credit cards.8. X2X cards, Affinity and Co-Branding programs.9. One of the ATM Project Team – Which contains the replacement of many major systems Like ATM network, Switch system and settlements, Visa electron card management System, controlling & Monitoring System as will as smart debit cards system .

Cards Accounting & Operational officer

• Sep 2002 - Aug 2003

1.Follow up the daily Accounting entries and GL’s Updates ( Cardholders Payments, Merchants Settlements, Chargeback’s, Visa and MasterCard’s Incoming and outgoing Files and reports, 3rd party processor Treatments)2.Coordinate the operations of cards systems with IT department and Cards associations .3.Monitoring the Fraud monitoring system parameters on Daily, Weekly, monthly basis, and I managed a project of Fraud Monitoring System and take the certification from Visa international for that.4.Any updates on Card personalization machine (DC9000), adding new products, Designs, Module, Chip applications, Scripts.5.Negotiations and interactions with Cards Venders and associations (especially chip cards, Cards Systems updates) 6.Updating and Developing the cards MIS and statistics required for accounting, Operations, Central Bank, Marketing and Management through managing the Cards MIS system (Dealing with Cards and bank systems Databases), design any required report which easily process the cards operations, campaigns as well as Management decisions .