Jun 2017 – Apr 2022 · 4 yrs 10 mos · London, United Kingdom

• Built and led the strategic direction, design, and global operational delivery of HSBC’s SME mobile banking platform and scaled across multiple regions and departments.
• Established the overarching product strategy and road map, ensuring alignment between global business goals and specific local regulatory requirements.
• Led the end-to-end build and launch of a new mobile application, resulting in a 4.7-star rating and a user base exceeding 350,000, a significant improvement from the previous 1.6-star experience.
• Provided leadership to a 70+ strong cross-functional team, including Engineering, Design, Compliance, and Customer Operations, to ensure the delivery of high-impact features.
• Managed the program for international roll-out, strategically tailoring product features to different markets while upholding compliance standards.
• Instituted a data-driven product culture through continuous feedback loops, A/B testing, and prioritization to enhance UX and feature engagement.
• Drove the adoption of scaled Agile practices, defining Epics and User Stories while maintaining operational excellence and timely execution.

Sep 2016 – Dec 2016 · 3 mos

• Led digital transformation strategy for HBL Bank, securing executive and board alignment for foundational changes.
• Directed cross-functional stakeholder engagement, setting the operational groundwork for future implementation phases.

Jul 2013 – Nov 2015 · 2 yrs 4 mos · London, United Kingdom

• Built and scaled a new fintech division, launching a cross-border remittance and payments platform.
• Owned product strategy and operations, integrating with key partners like Moneygram, Experian, and Mastercard.
• Shaped a customer-centric roadmap, leveraging data insights to evolve offerings in real-time with market demand.
• Developed innovative customer KYC (know your customer) and AML (anti-money laundering) user experience

Jul 2012 – Jul 2013 · 1 yr · London, United Kingdom

• Developed mobile and contactless payment strategy for Visa Europe, encompassing market
• analysis, competitive landscape assessment, and technology evaluation.
• Led product delivery of mobile wallet initiatives, defining user experience, functional requirements, and go-to-market plans in collaboration with cross-functional teams.

Feb 2011 – Jul 2012 · 1 yr 5 mos · London, United Kingdom

• Program managed the launch of payments and API propositions targeting corporate clients, including defining project scope, timelines, and resource allocation.
• Coordinated cross-functional teams (engineering, business development, marketing) to ensure successful delivery of new products and services.
• Developed and executed go-to-market strategies for new offerings, including pricing, distribution, and promotional activities.

Apr 2005 – Feb 2011 · 5 yrs 10 mos · London, United Kingdom

• Worked in numerous projects such as:
• Successfully program managed and launched digital content and retailing business for a pan-European company;
• Developed and launched FinTech propositions from scratch for a multinational corporation;
• Built mobile payment approach for a pan-European company;
• Acted as Launch Product Director to turnaround a much delayed financial services product launch across 4 countries for a multinational company. Programme managed all cross functional teams including Sales, Marketing, Legal, Finance, Network & Systems.
• Launched greenfield mobile operator as both Programme and Marketing Director. Built quad-play propositions and distribution network (direct & indirect channels). Also provided investment appraisal to validate opportunity and helped to win license from regulator;
• Conducted due diligence for inorganic growth for North European company including target scanning and sounding out of shortlisted candidates;
• Acted as Marketing Director in reviewing product portfolio and refreshed propositions to enhance revenue streams;
• Developed advertising strategy for a pan-European organisation;
• Spearheaded converged proposition for SME for a mobile operator.

Jan 2000 – Jan 2005 · 5 yrs · London, England, United Kingdom

• Launched award-winning mobile applications for business users for a client in Czech Republic
• Developed customer propositions and business cases for MVNOs

Jul 1999 – Sep 1999 · 2 mos · London, United Kingdom

• Enhanced banking products and processes
• Financial services organisational improvement

Jan 1996 – Jan 1997 · 1 yr · Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia

• Business analyst in ‘reinventing’ process/ system implementation of a major BPR financial project.