Raad Halim
Union City,CA
Summary
Accomplished in strategic planning and product management, I've driven digital transformation and business growth at Deloitte and Nearby Technologies International. Leveraging consulting and business analysis skills, I've enhanced profitability, expanded portfolios, and pioneered market strategies, achieving a notable $3.6M in transactions and reducing costs by 48%.
Overview
14
14
years of professional experience
Work History
Sr Consultant, Cross Industry Payments
Deloitte
2022.08 - Current
- Mentored junior consultants, helping them enhance their skills and contribute more effectively to projects.
- Delivered high-quality solutions for clients through comprehensive research and analysis of industry trends.
- Developed innovative strategies to address complex business challenges, resulting in increased profitability for clients.
- Presented findings and recommendations to executive-level stakeholders, effectively communicating key insights and action plans.
South East Asia Head and Senior Business Manager
Nearby Technologies International (PayNearby)
2020.01 - 2022.03
- Led product development and international expansion for PayNearby, the world’s largest Agent Banking platform of 1Million+ retail outlets offering Banking services to the unbanked; Product development and go-to-market strategy for Sri Lanka
- Successfully conceptualized, developed, and ran a sandbox on International Remittances with the Reserve Bank of India, making it accessible to the unbanked.
- Headed investor relations, product innovations, and corporate strategy
- Drove strategy, pricing, and go to market execution for an Assisted E-Commerce platform that drove $3.6M in transactions through 10k+ retailers pan India
Business Manager, Insurance & Lending
Nearby Technologies (PayNearby)
2018.06 - 2020.01
- Led the successful acquisition of an Insurance startup to launch InsureNearby, expanding PayNearby’s portfolio with Insurance products for the unbanked
- Drove product development strategy for the Insurance vertical, conceptualized and launched 10+insurance offerings for over 40k retailers (agents) in India.
- Expanded PayNearby’s portfolio to micro-business lending. Developed an internal risk scoring model for retailers
- Led innovation in cash management reducing over cash-handling costs by 48%
Product Manager, Credit Cards
Citibank, NA
2015.06 - 2018.06
- Headed product development Instant Personal Loans, application to the disbursal turnaround time of 10 seconds, down from 4 days
- Launched the first Fintech partner card for Citibank, Paytm First Credit Card
- Led technology changes for Personal Loans, drove multiple regulatory compliance projects
- Drove product strategy and execution for debt recovery on a portfolio of $400M for cards, personal loans, mortgage, and instant credit, including through digital and non‑traditional channels like Emails, Social Media
- Improved acquisition of new‑to‑bank customers by 8% using sources like telecom operators, credit bureaus
Database Administrator, Sybase and MSSQL
JP Morgan Chase & Company
2010.06 - 2013.05
- Team Lead for Sybase, MSSQL - Equities and Fixed Income lines of business for APAC and EMEA regions
- Developed scripts that performed automated data refreshes and code releases to production environments
- Developed tools to analyze region and LOB wise loads for better accounting, charging and resource alignment
Education
MBA - Finance
SP Jain Institute of Management And Research
Mumbai, India05.2015
Bachelor of Engineering - Computer Science & Engineering
Manipal Institute of Technology
Manipal, India05.2010
Skills
- Strategic Planning
- Digital Transformation
- Consulting
- Business Planning
- Business Analysis
- Business Development
- Product Management
Timeline
Sr Consultant, Cross Industry Payments
Deloitte
2022.08 - Current
South East Asia Head and Senior Business Manager
Nearby Technologies International (PayNearby)
2020.01 - 2022.03
Business Manager, Insurance & Lending
Nearby Technologies (PayNearby)
2018.06 - 2020.01
Product Manager, Credit Cards
Citibank, NA
2015.06 - 2018.06
Database Administrator, Sybase and MSSQL
JP Morgan Chase & Company
2010.06 - 2013.05
MBA - Finance
SP Jain Institute of Management And Research
Bachelor of Engineering - Computer Science & Engineering
Manipal Institute of Technology
Similar Profiles
Ayush KatiyarAyush Katiyar
Senior Consultant at DeloitteSenior Consultant at Deloitte
Timothy FurrateTimothy Furrate
Risk and Financial Advisory Analyst at DeloitteRisk and Financial Advisory Analyst at Deloitte
Aravind SethupathiAravind Sethupathi
Lead Solution Advisor at DeloitteLead Solution Advisor at Deloitte