PROFILE:

An accomplished and motivated digital transformation professional with 18 years of experience, of which 13 years are dedicated to digital banking, digital payments, mobile apps and e - Commerce services. Hands on in developing digital product strategy, articulating roadmaps, managing projects, executing marketing initiatives with diverse multicultural teams.

EXPERIENCE:

Product Manager

Confidential

Responsibilities:

• Develop product strategy, assess opportunities, analyze competitor products and develop go to market plan for product positioning.
• Support the creation and implementation of marketing plans and manage the execution of business development roadmap.

Product Owner, Digital Banking & Payments

Confidential

Responsibilities:

• Manage Online Banking and Digital Payment business services. Developing and executing digital banking strategy, innovating and enhancing services, managing internal and external relationships, supervising projects to deliver strategic business objectives.
• Developed a digital banking strategy for Confidential and articulated a 3 - year roadmap for execution.
• Led the team to develop digital branding, coordinated the design and implementation of a new user experience for internet and mobile banking, smart branch and ATMs.
• Contributed to digital banking transformation initiative, articulating a Smart Branch from concept to reality by offering a smart digital experience through self-service ATM/ITM, Kiosks and tablets.
• Developed business road map and business requirements to integrate Mobile Banking App with Apple Pay, STC Pay and National Payment App for e-Commerce, POS, B2C, remittance and P2P transactions.
• Reformed the online banking unit and its business practices improving channel usage, customer acquisition and transaction migration leading to direct and indirect annual revenue of $ 9M.
• Utilizing leadership, motivation and negotiation skills, led and mentored my team to elevate their morale, created a sense of ownership and synergy among stakeholders. Revived pending initiatives, delivered delayed projects, cleared CR backlog and resolved long standing operational issues.
• Invigorated digital marketing and communications, developed go to market content, structured campaigns and designed marketing calendar for promoting digital banking and payments business.
• Practiced both agile and waterfall project management approaches working with multi-cultural onsite and remote teams, managing a project portfolio of above $3M to introduce investment, consumer loan, credit card and various other services in digital banking.
• Performed as a lead analyst, developed business requirements, conducted UX designs sessions for introducing single sign on capability between online banking and Master Card Loyalty system.

Product Owner

Confidential

Responsibilities:

• Responsible for developing and implementing online banking strategy, set goals and implement action plans for continuous improvements and innovation. Manage digital channels, deliver projects, coordinate digital marketing initiatives, conduct customer satisfaction surveys, liaison with internal and external stake holders for product management, business development, training and channel operation functions.
• Executed various marketing campaigns, managed to increase internet banking customer from 56K to 1 Million in 4 years taking digital transaction share to 92% of the bank s transactions.
• Authored a master BRD for online banking, led the project as business owner and lead analyst for rebuilding online banking from scratch on an omni channel platform called Backbase.
• Developed business requirements to build a PoC for voice biometric authentication and chat bot.
• Contributed in Voice of Customer initiative, analyzing customer complaints, identifying bottlenecks in processes and systems, articulated an action plan to mitigate all issues and improve service.
• Utilizing analytical acumen, led as a business analyst to develop MIS for e - banking business, tracking strategic KPIs, SLA levels, customer satisfaction, app reviews and social media sentiments.

Product Manager / Senior Business Analyst

Confidential

Responsibilities:

• Managed internet banking channel as a product manager, performing business development and digital marketing functions. Performed as a business project manager to ensure timely delivery of business initiatives. Performed digital marketing and analytics functions to understand customer behavior, resolve customer complaints and adjust product offering to fit customer preferences.
• Performed as a business analyst, gathering business requirements, reviewing solution designs, contributing in user experience design, identifying business value, structuring priorities, developing delivery plans, reviewing progress, conducting testing, rollout and post production activities.
• Launched "e - Riyal" Payment Gateway service, developed business model, pricing, established partnerships with integrators, performed business development and successfully achieved targets.
• Led the digital innovation team to be recognized as the pioneer bank in applying multifactor authentication methods in online banking using SMS OTP, Security Tokens, ATM and IVR authentication processes.
• Stared as a pioneer bank in implementing B2C payment system called SADAD Online Payment to accommodate emerging e-Commerce industry.