Experienced Digital payments Product Manager with over 13 years of experience in Payments Industry. Excellent reputation for resolving problems and improving customer satisfaction.
Hi, I’m
Abid Sahi
Senior Manager Digital Payments
Dubai
Summary
Overview
14
years of professional experience
6
years of post-secondary education
Work History
Etisalat UAEDubai
Senior Manager Payment Solutions
06.2016 - Current
Job overview
- Face-to-Face payments)
- Core Responsibilities:
- Product management for Etisalat's Card payment acceptance program for Enterprise and SMBs called "mCashier", Managed POS service (merchant and terminal lifecycle management as service), Managed Digital self-service channel (self-service KIOSKs) and Digital/e-KYC service
- Product manager responsible for product, pricing, placement and promotion of payment products
- Responsible for annual product revenue target
- Responsible for Product P&L
- Responsible for creating new product ideas and creating a marketable product, using business-modeling technics and pricing formulation strategies
- My Typical day at work:
- Work with senior management to assess new opportunity, provide support to reach consensus on new opportunities
- Create business models and provide various options to management to take decision and reach success
- Work with Finance and pricing team to get financial approval for product or new opportunity
- Work with revenue assurance and IFRS teams to secure revenue
- Work with business development and sales team to create strong pipelines and support to convert pipeline items to sales
- Coordinate with Sales, Legal, Operations and Technology, Delivery, and every other department to ensure organization readiness at launch and throughout the product lifecycle
- Provide Product Training to internal and external stakeholders and act as Subject Matter Expert on each of my products
- Monitor products performance metrics at all stages of the product life cycle, and makes recommendations regarding solutions to challenges in the portfolio or product strategy
- Subject matter expert - Understand and help sales to use new information, industry trends, best practices and market insights that help in positioning my products to customers including participating in client workshop
- Resolved problems, improved operations and provided exceptional service.
- Developed team communications and information for meetings.
- Created plans and communicated deadlines to complete projects on time.
- Conceptualized and deployed enhanced product features and optimized implementation for use in marketing strategies.
- Established criteria for each milestone within product roadmap as means to measure developmental progress.
- Collected customer requirements, directed testing and conducted continuous evaluations to make proactive adjustments to marketing approaches.
- Assessed costs and estimated production capabilities to evaluate economic viability.
- Thrived in fast-paced, highly-adept team to develop and prioritize product features and build product roadmap.
- Directed planning and budgeting efforts.
- Coordinated design meetings and decisions with internal departments and teams.
- Spearheaded collaborative efforts to bring products to market.
- Documented user stories, specifications and product features into detailed work order to communicate across teams and build mandatory requirements.
- Compiled product and customer data to generate informed profit projections.
- Prioritized roadmap in order to achieve product goals and metrics.
- Maintained positive vendor relations to build strong partnerships.
- Liaised with clients to better understand business needs and current market landscape.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Bank Alfalah Limited
Product Manager Payments
01.2016 - 06.2016
Job overview
- Product manager for Payment products like NFC mobile wallet payments, Mobile POS, merchant loyalty
- Product manager responsible for product, pricing, placement and promotion of payment products
- Responsible for annual product revenue target
- Responsible for Product P&L
- Responsible for creating new product ideas and creating a marketable product.
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals.
- Conceptualized and deployed enhanced product features and optimized implementation for use in marketing strategies.
- Established criteria for each milestone within product roadmap as means to measure developmental progress.
Mobilink, PMCL
Product Manager Payments
06.2014 - 12.2015
Job overview
- For Payment products like NFC mobile wallet payments, Mobile POS, merchant loyalty and online payment gateway
- Responsible for designing and implementation of NFC based Mobile wallet payment system
- Responsible for selection, designing and implementation of MPOS card acquiring for VISA and MasterCard
- Responsible for designing and implementation of Merchant Acquisition strategy for Pakistan
- Responsible for designing and implementation of loyalty programs for MPOS Card Acquiring business
- Responsible for designing and implementation of payment gateway system for card not present acquiring
- Managing Bottom line and top line for E-Commerce/Digital payment channel
- Responsible for project delivery management for new products using proven Project Management techniques
- Achievements:
- Generation and approval on payment system (payment Gateway, MPOS and NFC) business model by Vimpelcom Group
- Successful launch of MPOS payments
- Successful launch of NFC linking and payments at vending machines and POS
- Acceptance, approval and procurement of Payment Gateway for domestic and international customers
- Successful negotiations and agreement for Visa and MasterCard Acquiring for Payment Gateway
- Successful integration with MiGs card acquiring system from MasterCard for CNP
- Successful approval and implementation of merchant acquisition strategy including sales incentive for sales teams and product training.
Oracle Corporation
Senior Consultant
03.2013 - 06.2014
Job overview
- Determined areas for improvement and implemented processes to alleviate problems.
- Analyzed problematic areas to provide recommendations and solutions.
- Conducting business/Technical analysis sessions for Customizations
- Requirement Gathering & Analysis
- Software development using Java for various on-site customization using Oracle core interfaces for customization
- Analysis of BRDs and conversion to Functional Specification documents
- Leading System integration (SIT) activities with the third party host systems including messes aging and interface configurations
- Data migration from legacy system to the new system using ETL services
- Coordinating with offshore Oracle development teams
- Maintain and support Test environments
- Conducting MOCK sessions
- Conducting UAT sessions with client
- Working with client to deploy the application on the test and production environments
- Achievements:
- Integrating Misys core banking system with Flex cube direct banking (FCDB) via WebLogic queues using XSD/XML/IS08583 messages
- Successful Integration of debit, credit and prepaid card systems for integration to enable payments on internet banking
KASB Bank Ltd
Technical Business Analyst
10.2008 - 03.2013
Job overview
- Alternate delivery channels (Branchless banking, ATMs, IVR, CRM, debit card)
- Achievements:
- Launch of Fundamo mobile and branchless banking
- Launch of VISA Prepaid and debit Card (general purpose, remittance and students) Module ensuring Implementation & Design
- Conducting and configuring integration certifications with external bodies like (VISA/1Link-domestic transaction routing switch for Pakistan)
- Development of POS bill payment solution on middleware and integration with tamer bank (easy paisa)
- Upgraded existing ATM banking system interface with new transactions on core banking Misys (Equation)
- Developed in-house new transactions on financial Middleware
- Bank wide Launch of Avaya IVR & CRM MS Dynamics
- Customization and Integration of MS Dynamics- CRM with middleware and core banking (SSIS)
- Analysis, system design, transaction flow design and implementation of VISA Debit cards module on middleware, IVR, ATMs and Call Center
- Designed and developed in house mobile banking application (XHTML)
- Disaster Recovery And Business Continuity for Alternative delivery Channels
Education
Institute of Business Administration (IBA)
MBA (Masters of Business Administration) from Business Administration
01.2011 - 01.2013
University Overview
Bahria University
Bachelor of Engineering from Computer Engineering
01.2003 - 01.2007
University Overview
Skills
Product and service solutions
Digital Payments solutions
Payment processing
Digital banking products and services
Advanced financial analysis
Idea generation
Negotiation
Business planning
Budgeting and Allocation
P&L Management
Timeline
Senior Manager Payment Solutions
Etisalat UAE
06.2016 - Current
Product Manager Payments
Bank Alfalah Limited
01.2016 - 06.2016
Product Manager Payments
Mobilink, PMCL
06.2014 - 12.2015
Senior Consultant
Oracle Corporation
03.2013 - 06.2014
Institute of Business Administration (IBA)
MBA (Masters of Business Administration) from Business Administration
01.2011 - 01.2013
Technical Business Analyst
KASB Bank Ltd
10.2008 - 03.2013
Bahria University
Bachelor of Engineering from Computer Engineering
01.2003 - 01.2007