.

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Scale & Execution

Numbers that matter

0K+

Active Digital Banking Users

0M+

Monthly Transactions Count

PKR 0.0B+

Annual Channel Revenue

PKR 0B+

Monthly Transaction Throughput

0M+

SMS Banking Subscribers

0K+

WhatsApp Banking Users

Revenue Growth YoY

0K+

Branchless Banking Agents

Core Expertise

Owning the full product lifecycle

From customer-facing features to Revenue to Regulatory compliance — Managing the whole stack.

📱

Digital Banking Platforms

End-to-end ownership of mobile banking, internet banking, WhatsApp banking, and SMS banking channels. Platform migration, feature backlog management, and customer experience optimization.

Temenos InfinityMobile BankingInternet Banking

📊

P&L & Revenue Management

Managed a nearly PKR 1.2B+ digital revenue portfolio. Revenue-generating initiatives include bill payments, SMS banking, and digital channel monetization using third party integrations.

Revenue GrowthChannel P&LMonetization

🧩

Agile Product Management

Certified Scrum Product Owner and Scrum Master. Expert in JIRA-based backlog management, sprint planning, stakeholder communication, and cross-functional delivery leadership.

CSPOCSMJIRAUser Stories

🏦

Branchless & Agent Banking

Administered a network of 35,000+ agents and 3.5M wallet customers. Designed agent onboarding journeys, loyalty programs, and operational efficiency frameworks.

Branchless BankingAgent NetworksWallet Products

🔒

Regulatory & Compliance

Deep expertise in SBP regulations, biometric verification frameworks, NADRA integrations, device binding, and InfoSec vulnerability management. Delivering regulatory roadmaps on time.

SBP RegulationsNADRAInfoSecDevice Binding

🔗

Third-Party Integrations

Led embedded finance integrations (BookMe, CardWalla), fintech partnerships, and technical certification of third-party digital services. Functional and technical requirements definition.

Embedded FinanceAPIsPartnerships

Case Studies

Problems I've solved

Real challenges, real constraints, and the thinking behind outcomes that moved the needle.

Platform Migration

Migrating 400K+ Users to a New Digital Banking Platform — With Near-Zero Disruption

Bank of Punjab was running a legacy mobile banking system with only 4K–10K active users and no internet banking capability. The challenge: migrate an entire user base to Temenos Infinity without triggering mass drop-off or flooding customer support.

How I approached it

1Migrated all usernames to new platform backend silently

2Expired passwords — forcing a low-friction password reset flow on first login

3Optimized app flows, biometric auth, and navigation post-launch

4Rapid feedback loops to patch friction points within 30 days

🚀

95%+

Active user migration within 30 days

⭐

2.3 → 3.8

App store rating in 30 days post-launch

👥

6K → 500K

Customer base growth in 90 days

Revenue Growth

Taking Digital Revenue from PKR 400M to PKR 996M — A 150% Uplift in One Year

Digital banking channels were under-monetized. The mandate was to significantly grow revenue from the digital portfolio without compromising customer experience or adding unsustainable operational overhead.

How I approached it

1Launched SMS banking incentive campaigns targeting inactive users

2Integrated bill payment services to drive transactional revenue

3Drove WhatsApp banking adoption to deflect costly IVR calls (~35% reduction)

4Scaled SMS subscribers to 1M+ generating PKR 1.2B annual run-rate

📈

150%

Revenue growth year-on-year

💰

PKR 500M+

Revenue uplift from digital initiatives

📉

35%

IVR call reduction via WhatsApp deflection

Regulatory Tech

Phased Biometric Device Binding Rollout — Compliance Without Customer Churn

State Bank of Pakistan mandated full NADRA-verified device binding across all digital banking users. The risk: forcing 800K+ existing users through a cumbersome biometric process at once would cause massive drop-off and support overload.

How I approached it

1Mandatory biometric for all new sign-ups immediately

2Segmented existing users by activity: 30-day / 90-day / 180-day active cohorts

3Deleted device records in phases — triggering re-verification only on next login

4Data-driven sequencing to minimize simultaneous friction across user base

✅

100%

Regulatory compliance achieved on schedule

📊

3-Cohort

Phased rollout model (30/90/180 days)

🛡️

Minimal

Customer disruption during migration

Internal Innovation

BOP Services App — Building an In-House Branch Digitization Platform

Branches still handled numerous non-financial services over the counter (dormant account activation, CNIC updates, credit card biometric activation, digital onboarding). The main digiBOP app had platform constraints and stability challenges that made building these features there impractical.

How I approached it

1Identified all over-the-counter non-financial services as digitization candidates

2Proposed and led in-house development using internal tech team

3Designed UX/UX from scratch with full product ownership

4Built a standalone app decoupled from legacy platform constraints

🏗️

In-House

Full product built with internal team

📋

5+ Services

Branch services digitized in one app

💡

Personal

Self-initiated — no external mandate

Journey

Experience

Jun 2022 – Present

Product Owner — Digital Channels

The Bank of Punjab · Lahore, Pakistan · VP Level

›Full product ownership of digiBOP mobile banking, internet banking, WhatsApp banking, and SMS banking.

›Grew active user base from 6K to 850K+ and digital revenue from PKR 400M to PKR 996M (+150%) in one year.

›Led seamless platform migration to Temenos Infinity with 95%+ migration rate in 30 days.

›Scaled WhatsApp banking to 350K+ users and SMS banking to 1M+ subscribers with PKR 1.2B revenue contribution.

›Initiated embedded finance integrations (BookMe, CardWalla) and delivered SBP regulatory compliance roadmap on time.

›Self-initiated and leading development of BOP Services App — an in-house branch services digitization platform.

Jun 2018 – Jun 2022

Product Owner — Omni (Branchless Banking)

United Bank Limited · Karachi, Pakistan

›Managed branchless banking portfolio of 35,000+ agents and 3.5M wallet customers.

›Spearheaded kick-off of Temenos T24 Digital Platform to replace legacy branchless banking system.

›Served as Country Coordinator for Strategic Initiatives — direct engagement across all clusters and regions from Head Office.

›Indirectly managed a 400+ Feet-on-Street sales team; designed KPI frameworks and incentive structures.

›Delivered key innovations: Digital Qurbani, COC International Remittance, cash management projects.

›Designed agent onboarding journeys, wireframes, and user stories. Led SBP regulatory audit closures.

2017 – 2018

Co-Founder

F1 Logistics & Decor Shekor · Karachi, Pakistan

›Co-founded F1 Logistics — a last-mile cash-on-delivery startup serving 80+ clients with 300+ daily deliveries across Karachi. Sunset due to hyper-growth infrastructure challenges without external investment.

›Co-founded Decor Shekor — a digital-first premium home décor e-commerce store. Led sourcing, branding, and digital marketing. Successfully exited; venture continues under a new brand.

Jan 2016 – Jun 2016

Project Officer

Subh-e-Nau (Environmental NGO) · Karachi, Pakistan

›Managed CSR and environmental projects in collaboration with corporate partners. Led field visits, cross-functional coordination, and stakeholder alignment for plantation and environmental impact initiatives.

2013 – 2018 (Part-time · Two stints)

Operations Manager & Trainer

Kinetix Fitness Consultancy · Karachi, Pakistan

›Managed on-site fitness facilities for Standard Chartered Bank, UBL, PSO, Shell, and other corporates. Handled staff supervision, client retention, group classes, and gym setup operations.

Product Philosophy

How I think about building

"The goal isn't to live forever, the goal is to create something that will."

I am here to make an impact and put a dent in the universe. I thrive on thinking outside the box and being innovative, even when it requires being unorthodox. I am fueled by a passion for doing THE GREAT THINGS. I am not afraid to build bridges or tear down walls to ensure we are doing something positive for the masses.

Minimal Friction, maximum trust

Great banking products disappear into the background. Every flow I design is judged by one question: can a customer complete this without thinking?

Data first, instinct second

The phased biometric rollout wasn't intuition — it was built on cohort segmentation data. Revenue growth wasn't luck — it was identifying monetization potential.

If the platform can't, Build it

When the main app couldn't deliver non-financial branch services on time, I didn't wait — I proposed and built an in-house solution. Constraints are just invitations to build something better, faster, and more yours.

Ship fast, iterate Faster

App store rating went from 2.3 to 3.8 in 30 days not because of perfect planning — but because I stayed close to the feedback, moved fast on fixes, and cared about every interaction the customer had with the product.

Technical & Domain Skills

The full toolkit

Digital Banking Platforms

Temenos Infinity

Mobile Banking (iOS/Android)

Internet Banking

WhatsApp Banking

SMS Banking

Branchless Banking

Agent Network Management

Product Roadmapping

Backlog Management (JIRA)

Agile / Scrum

User Stories & Wireframes

P&L Management

Revenue Strategy

SBP Regulatory Compliance

NADRA / Biometric Integration

Third-Party API Integration

Embedded Finance

CX Optimization

Platform Migration

AI Tools (Cursor, v0, Bolt)

Fintech Consultancy

Credentials

Education, certifications & recognition

LUMS

Fintech Strategy & Innovation

2025

Scrum Alliance

Certified Scrum Product Owner (CSPO)

2023

Scrum Alliance

Certified Scrum Master (CSM)

2023

Google

AI Essentials

2024

IoBM

MBA — Marketing

2017

SSUET

BSc — Electronics Engineering

2012

🏆 Bank of Punjab

Enabling Champion Award

2023

🏆 United Bank Limited

"You Made It Possible" Award

2019

Next Chapter

What I'm building toward

Head of Product · Open to Hire

Head of Product

I'm ready to step into a Head of Product role where I can set the vision, build the team, and take a digital financial product from early scale to dominant market position. I want to own the roadmap, shape the culture, and build something that actually matters to customers.

Saudi Arabia

UAE / Dubai

Pakistan

🌐 Remote / Global / Local

Co-Founding · Open to Partner

Co-Founder, Fintech

I want to build a mission-driven fintech or lifestyle banking product — something fast, customer-obsessed, and designed for real people. If you're building in digital financial services, embedded finance, or consumer payments, and you need a product co-founder who knows banking from the inside — let's talk.

💡 Fintech / Neobank

💳 Payments

🌱 Early Stage

Get in Touch

Let's build something great

Whether you're hiring a Head of Product, looking for a fintech co-founder, or just want to talk about digital banking — my inbox is open.

✉️ Email LinkedIn ↗💬 WhatsApp