Fayaz Fazul — CEO

I'm a product person first. Whatever it takes to make the product win, that's what I do. Some days that means presenting a business case to the board. Some days it means being in Figma debating a checkout flow, digging into Mixpanel funnels to find where users are dropping, running an A/B test on a KYC step, or sitting with a merchant to understand why their reconciliation doesn't add up. I don't have a fixed altitude. I go where the product needs me. Currently at Koko, Alibaba's fintech and BNPL subsidiary, leading product across BNPL and payments in South Asia. Nine-figure P&L, three engineering squads, multi-thousand-merchant ecosystem across multiple markets, taken from early stage to EBITDA improvement and cash-flow positivity. I've shipped across the full commerce stack: checkout, payments, onboarding and KYC, fraud prevention, credit decisioning, merchant ecosystems, consumer experience, and internal platforms. Not as isolated features, but as connected infrastructure where every layer reinforces the next. What I bring: - Strategy and vision: direction-setting, cross-functional alignment, executive influence - Hands-on execution: PRDs, UX flows in Figma, API contracts, edge cases before they become incidents - P&L ownership: pricing, unit economics, subsidy governance, margin management - Consumer experience: onboarding, KYC, activation, retention, conversion and LTV - Merchant experience: self-service portals, reconciliation dashboards, settlement reporting - Payments: checkout, rails, wallets, refunds, disputes, chargebacks, reconciliation - Credit and fraud: dynamic limits, behaviour-based decisioning, fraud rule engines, portfolio monitoring - Experimentation and data: A/B testing, Mixpanel, Amplitude, funnel diagnostics, cohort analysis - Multi-market expansion: regulatory readiness, compliance, country-level localisation - Team building: hiring and developing PMs who take ownership and ship with urgency Fintech. Ecommerce. Super Apps. Marketplace Platforms. Anywhere the product is the business.

Stackforce AI infers this person is a Fintech Product Leader with extensive experience in BNPL and payments.

Location: Colombo, Western Province, Sri Lanka

Experience: 4 yrs 8 mos