Dedicated and resourceful senior management professional with 20+ years of experience in the banking and private organizations domain.
Operations professional with solid background in streamlining processes and enhancing operational efficiency. Known for effective team collaboration and achieving results in dynamic environments. Skilled in process optimization and problem-solving, with reliable and adaptable approach to changing needs.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Senior Payments & Operations Specialist
Results-driven professional with over 24 years of experience driving business growth, operational excellence, and innovation in digital payments, card operations, and merchant acquisition.
Key Expertise:
Operations, Digital payments, Debit Cards, POS issuing, deployment and merchant acquisition
POS and ATM deployment, operations, and maintenance
Sales, last-mile delivery services, settlement, and reconciliation
Mobile banking, ATM, and POS coordination with banks and payment switches
Procurement, project management, and audit compliance
Successfully completed Domestic EMV Acquiring and Issuing Union Pay EMV Card (Banking and Easy Paisa Wallets Cards), ATM and POS Project.
Successfully completed Domestic EMV Acquiring and Issuing PAY Pak EMV Card (Banking and Easy Paisa Wallets Card)
Successfully completed EFT and IBFT 2.0 regulatory projects.
Scheme Cards Issuing and Acquiring Experiences.
Merchants Management and POS Deployment, POS Acquiring up to 500 plus Merchants.
Coordination with SBP regulatory body for all ADC channels activity like, reporting, projects etc.
Lead Revenue Operations
JSK (USA)
08.2023 - Current
Head of Sales/Merchant Acquisition
Futafut Services Pvt (Ltd)
02.2022 - 07.2023
Company Overview: A member of the Pathfinder Group of Companies
Overall Sales Management. Responsible for managing the riders, retailers, distribution & Wholesalers, and onboarding to Merchants & retailers.
Support technology partner in Futafut App
Responsible for assigning, monitoring, and delivering on the sales targets based on organization Strategy and targets. And monitoring the digital payments via App.
Work with the development team to ensure efficient use of land and cost-effective completion of a finished lot.
Provide administrative support to department Heads.
Performs and manages various due diligence activities and investigations of site opportunities and constraints.
Reporting and analysis of Sales Data via App as well.
Collaborated with marketing teams to align promotional activities with sales objectives.
Head of ADC / Director
(Easy Paisa Digital Bank)Former Telenor Micro Finance Bank Pakistan
04.2008 - 07.2021
Reporting: Head of Operations / CIO
Led cross-functional teams to improve operational efficiency and service delivery in financial products.
Established partnerships with stakeholders to expand service reach and foster community relations.
Managed budget allocations for projects, ensuring alignment with organizational goals and resource optimization.
Established a culture of continuous improvement by fostering open communication channels and empowering employees to voice their ideas.
Facilitated cross-functional collaboration for improved decision-making processes within the organization.
Boosted operational efficiency by optimizing supply chain processes.
Achieved remarkable turnaround of underperforming divisions through strategic leadership and restructuring.
Senior Officer ADC
Dubai Islamic Bank
05.2007 - 03.2008
Reported to Head of Operations
OG 11 ADC officer
Soneri Bank Limited
09.2005 - 02.2007
Reported to: Head of Technology
Manager Admission
BIZTEK Institute Pakistan
07.2001 - 11.2002
Reported to Chairman
Education
Masters in business administration - HR
PIMSAT
Karachi Pakistan
BS - Computer Information System
Near East University
Turkey, Northern Cyprus
Skills
Operations, Digital payments, Debit Cards, POS issuing, deployment and merchant acquisition
POS and ATM deployment, operations, and maintenance
Sales, last-mile delivery services, settlement, and reconciliation
Mobile banking, ATM, and POS coordination with banks and payment switches
Procurement, project management, and audit compliance
Cross-functional communication
Operations coordination
Process planning
Problem-solving
Time management
Decision-making
Team building
Multitasking
Accomplishments
Successfully Developed and Established ADC Department
: Built and led a high-performing ADC team from scratch, driving business growth and operational excellence in digital payments, card operations, and merchant acquisition.
Designed and implemented efficient processes, procedures, and systems to support ADC operations, resulting in improved productivity and reduced costs.
Developed and executed strategic plans to expand ADC services, increasing revenue and market share.
Successfully launched and managed multiple card projects, including PayPal debit cards, UPI Easy Paisa cards (1.5 million issued BISP Cards), and VISA cards
Developed and executed last-mile delivery services for Futafut and Mangwow (Last Mile Services)
Ensured compliance with internal, external, and SBP audits, maintaining a high standard of operational excellence
Collaborated with cross-functional teams to resolve IBFT issues, mobile banking, ATM, and POS transactions issues
Certification
Managing and Understanding Acquirer P&L, Master Card Two Days Workshop
Reforming Digital Payments – A regulatory Perspective (Bankers Development Institute)
SBP New Payment Initiative (Bankers Development Institute)
Product Development and Product Simulation from EdTech Worx
Digital Banking Workshop (Delson Group)
Master Card Two days Training Course “Card Management”
Payment Card Industry Data Security Standards from Risk Associates Australia PCi Security Standard Council
MBA in Payments for Terrapin Training September 2015 Islamabad Pakistan
Three Days Workshop “Leading Your Team & Motivating people under the banner of International Finance Corporation (World Bank Group) IMC (Business Edge) 200Members of the International Association of Risk and Compliance Professionals (IARCP).
1 Day Workshop “Employee Retention Strategies” from IBP
1 Day Workshop “Business Writing Skills” from IBP
2-Day Workshop on ATM OPERATIONS POLICIES & PROCEDURE (IBP)