M

Muhammad Raza

CEO

Lahore, Punjab, Pakistan20 yrs 1 mo experience
Most Likely To Switch

Key Highlights

  • 27th most influential fintech voice globally.
  • Expert in digital payment solutions and fintech innovation.
  • Proven track record of driving business growth and partnerships.
Stackforce AI infers this person is a Fintech expert with a strong focus on digital payments and business development.

Contact

Skills

Core Skills

FintechProduct DevelopmentSales LeadershipBusiness DevelopmentBanking Operations

Other Skills

Sales Target ManagementInternational ExpansionCompetitive LandscapeSolution SellingLicensingMake Things HappenDocumentationCoachingE-CommerceMarket EntryNew Business OpportunitiesNegotiationSales AcquisitionInterpersonal RelationshipsBusiness Negotiation

About

Recognized as the 27th most influential fintech voice globally Founding Member & Chief Growth Officer at Swich, with extensive experience in driving innovation and growth in the fintech industry. Specializes in digital payment solutions, including softPOS and QR payments, for both retail and online channels along with extensive experience within digital communication space. Skilled in P&L management, strategic partnerships, and delivering merchant-focused solutions to transform payment experiences. Key Expertise: Digital Payments Business Development Partnership Enablement Fintech Innovation shless transactions.

Experience

20 yrs 1 mo
Total Experience
2 yrs 3 mos
Average Tenure
2 yrs 7 mos
Current Experience

Pakistan ecommerce association

Executive Board Member

Oct 2024Present · 1 yr 7 mos · Hybrid

Swich

Founding Member/ Chief Growth Officer

Oct 2023Present · 2 yrs 7 mos · On-site

  • > Established the local corporate structure facilitating seamless operations
  • > Crafted a comprehensive strategy for business growth
  • > Developing high-performance teams
  • > Worked extensively with banks, BB players, PSO/PSPs and regulators for the launch of an all inclusive online payment gateway
  • > Volumes growing MOM to 1.8bn for Pay in & 1.5bn for Payouts (disbursements)
  • > Strategizing Raast payments acceptance (QR and RTP)
  • > SoftPOS solutioning & launch
  • > Growing footprint in GCC
  • > Establishing key partnerships with system enablers through innovative use cases and relationships
  • > Cracked deals with schemes for discount campaigns
Sales Target ManagementInternational ExpansionCompetitive LandscapeSolution SellingLicensingMake Things Happen+10

Paymob

Head of Enterprise Business & High Growth Sales & Account Management

Jun 2022Oct 2023 · 1 yr 4 mos · On-site

  • ☆ 88% MOM growth in GMV
  • ☆ achieved 350mn GMV per month
  • ☆ ensured less than 2% churn
  • ☆ brought leading partners onboard
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationSales LeadershipPerformance ReviewsCross-functional Team Leadership+20

E ocean - official whatsapp business solution provider

Head of Growth

Mar 2021Jun 2022 · 1 yr 3 mos

  • Grew revenues by 40%
  • Grew social media presence by 450% creating a strong brand equity
  • Launched new markets (KSA, UAE, Bahrain and EUROPE )
  • Introduced new to market products including "no code" chatbot builder & industry first native chat commerce solution
  • Recruiting high value contributors
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationSales LeadershipPerformance ReviewsCross-functional Team Leadership+22

Infobip

Sales Manager

Nov 2019Mar 2021 · 1 yr 4 mos · karachi

  • Assisted clients with a critical part of their digital transformation i.e. digital communication: ​overcome the complexity of consumer communications, enhance their customers’ experience and ultimately, grow the business.
  • Assisting clients transform and disrupt customer experience in Finance & Banking, ride-hailing, retail, healthcare, logistics and food delivery verticals through omni-channels.
  • Digital communication channels like WhatsApp Business, FB messenger, LIVE chat, A2P SMS, Email, rocbocalling and IVR platforms connected via SaaS solutions (chatbots, digital contact center and customer engagement solution).
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationSales LeadershipCompetitive LandscapeQuarterly Reviews+15

United bank limited

2 roles

National Sales Manager (Acting Charge)

Jun 2019Jul 2019 · 1 mo

Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationSales LeadershipPerformance ReviewsCompetitive Landscape+20

Regional Sales Manager | Digital Banking | Merchant Acquiring and Branchless Banking

Apr 2017Nov 2019 · 2 yrs 7 mos

  • National winner of "master blaster sales campaign for the year 2018"
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationSales LeadershipPerformance ReviewsCompetitive Landscape+18

Mobilink

Key Account Manager

Mar 2016Jul 2016 · 4 mos · Karachi

  • Key Achievements:
  •  Achieved PKR 250k new revenue in the first month.
  •  Semi-annual target was completed in 1st quarter.
  •  Designed weekly report of market intelligence impacting business.
  •  Onboarded 7 new clients through B2B selling resulting in revenue worth PKR 2 million per month
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationSales LeadershipCompetitive LandscapeCommunication+13

Simco solutions

Director Sales and Marketing

Jan 2016Jan 2017 · 1 yr

  • Overall responsibility of customer acquisition and business development.
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationSales LeadershipPerformance ReviewsCompetitive Landscape+15

Telenor pakistan

4 roles

Key Account Manager | Branchless banking & GSM

Jan 2013Jan 2016 · 3 yrs

  • Key Achievements:
  •  187% growth achieved in devices sales
  •  GSM sales enhanced by 20% YOY
  •  Ensured churn at 5% well within the budget
  •  Retained all corporate customers
  •  Ensured 100% revenue collections
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationQuarterly ReviewsCommunicationSolution Selling+11

Sales Planning Executive (Branchless banking & GSM)

Jan 2012Jan 2013 · 1 yr

  • Key Achievements:
  • Successfully implemented Easypaisa Mobile Account Registration System at Direct Sales
  • Designed sales campaigns for direct sales and corporate sales channels and ensured extraordinary returns of 30% over and above campaign target
  • Complete ownership from idea to execution of “key account management” model and final prsentation to CXX.
Sales Target ManagementInterpersonal RelationshipsBusiness NegotiationQuarterly ReviewsCommunicationSolution Selling+11

Area Sales Manager

Jan 2009Jan 2012 · 3 yrs

  • Key Achievements:
  •  Competition winner: Area Sales manager of the quarter, twice national competition winner
  •  Designed and implemented post-paid on call channel resulting in 20% increase in monthly sales.
  •  Developed regional reporting mechanism for financial reporting and daily sales.
Sales Target ManagementInterpersonal RelationshipsCompetitive LandscapeCommunicationInterpersonal SkillsTeam Management+10

Credit & Fraud Officer

Jan 2007Jan 2009 · 2 yrs

  •  Managed to recover 85% of collections from bad debts.
  • Supervised the credit and collections function within Sind and Baluchistan regions.
  •  Daily monitoring and reporting to prevent, detect and disrupt fraud.
  •  Analyzing financial statements and other proxies to assess credit worthiness of the customers.
  •  Have worked on CRM systems.
Sales Target ManagementInterpersonal RelationshipsCross-functional Team LeadershipCommunicationInterpersonal SkillsTeam Management+9

Citibank n.a.

Branch Assets Sales

Jan 2003Jan 2004 · 1 yr · Karachi

Interpersonal RelationshipsCommunicationInterpersonal SkillsBankingMake Things HappenWritten Communication+2

Education

Karachi University Business School (KUBS)

Master of Business Administration - MBA

Jan 2019Jan 2021

London Metropolitan University

Bachelor's degree — Marketing

Jan 2005Jan 2007

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