Summary
Overview
Work History
Education
Skills
Timeline
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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
08.2022 - 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)
01.2020 - 03.2022
  • 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)
06.2018 - 01.2020
  • 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
06.2015 - 06.2018
  • 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
06.2010 - 05.2013
  • 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, India
05.2015

Bachelor of Engineering - Computer Science & Engineering

Manipal Institute of Technology
Manipal, India
05.2010

Skills

  • Strategic Planning
  • Digital Transformation
  • Consulting
  • Business Planning
  • Business Analysis
  • Business Development
  • Product Management

Timeline

Sr Consultant, Cross Industry Payments

Deloitte
08.2022 - Current

South East Asia Head and Senior Business Manager

Nearby Technologies International (PayNearby)
01.2020 - 03.2022

Business Manager, Insurance & Lending

Nearby Technologies (PayNearby)
06.2018 - 01.2020

Product Manager, Credit Cards

Citibank, NA
06.2015 - 06.2018

Database Administrator, Sybase and MSSQL

JP Morgan Chase & Company
06.2010 - 05.2013

MBA - Finance

SP Jain Institute of Management And Research

Bachelor of Engineering - Computer Science & Engineering

Manipal Institute of Technology

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Raad Halim