Experience

Berkeley Payments

• Financial Services
• 1 - 100 Employee

• VP of Products

  • Sep 2022 - Present

• Senior Director Product

  • Jan 2022 - Sep 2022



Al Hilal Bank

• Banking
• 1 - 100 Employee

• Director - Retail Loans and Cards

  • Oct 2018 - Oct 2020

  • Managed a $3.5 billion lending portfolio including cards, personal & auto loans and mortgages through the merger with ADCB group • Formulated product strategy and managed P&L, value proposition and pricing for retail loan products & credit cards • Managed the implementation and launch of the airline co-brand card with Etihad Airways • Designed work-flows for digital acquisition of loans and cards • Managed a $3.5 billion lending portfolio including cards, personal & auto loans and mortgages through the merger with ADCB group • Formulated product strategy and managed P&L, value proposition and pricing for retail loan products & credit cards • Managed the implementation and launch of the airline co-brand card with Etihad Airways • Designed work-flows for digital acquisition of loans and cards



RAKBANK

• United Arab Emirates
• Banking
• 700 & Above Employee

• Head of Card Products

  • Apr 2015 - Jul 2018

  • Managed a suite of co-brand, cashback and rewards cards. Responsible for strategic direction, value proposition, pricing, life-cycle, portfolio management and innovation • Led a diverse, cross-functional team to set up the merchant acquiring business. Gained 1% market share in the first year of operations. • Established strategic partnerships and introduced co-brand cards across multiple verticals; airlines, jewelry and supermarkets.

• Manager Card Business Systems

  • Jul 2007 - Mar 2015

  • Oversaw a USD 6 million project to upgrade the in-house Card Management system. Project was delivered within time and budget and allowed the Bank to offer innovative products / services to customers • Led the project to setup the Prepaid Cards business. Launched multiple prepaid card variants which established the bank as the leading player in the prepaid space• Ownership of all systems supporting cards and payments. Responsible for planning, executing, testing and implementation of payment systems and solutions. Evaluated solutions and made recommendations for adoption of new technology/systems• Collaborated vendor selection, due diligence, cost negotiation and ongoing vendor management Show less

• Manager Card Systems & Projects

  • Sep 2004 - Jul 2007

  • Executed the Cards systems upgrade Project – TSYS Prime 1 to Prime 2 along with an overhaul of surround systems, interfaces and data migration to new systems• Planned and implemented payment system, regulatory and PCI compliance changes on card systems• Collaborated with stakeholders within the Bank, system vendors, software consultants and payment associations on card systems initiatives



Union National Bank

• United Arab Emirates
• Banking
• 700 & Above Employee

• Senior Officer - Card Operations

  • Jan 2001 - Jul 2004

  • Managed the implementation of the new card management system (TSYS), certification with payment systems and data migration • Coordinated project implementation, BAU issue resolution and managed UAT • Oversee day-to-day activities of operators engaged in card production and delivery, authorization, fraud control, billing and payments • Managed the implementation of the new card management system (TSYS), certification with payment systems and data migration • Coordinated project implementation, BAU issue resolution and managed UAT • Oversee day-to-day activities of operators engaged in card production and delivery, authorization, fraud control, billing and payments



National Bank of Dubai

• Banking
• 200 - 300 Employee

• Card Operations

  • Oct 1994 - Dec 2000

  • Issuer & Acquirer chargebacks, representments, arbitration and compliance cases • Budget preparation, MIS and profitability reports and Quarterly Operating Certificates • Interchange settlements accounting and reconciliation of general ledger account • Issuer & Acquirer chargebacks, representments, arbitration and compliance cases • Budget preparation, MIS and profitability reports and Quarterly Operating Certificates • Interchange settlements accounting and reconciliation of general ledger account