Muhammad Waqas
Fintech Solution Architect
Dubai,DU
Summary
Experienced Solution Architect with over 8 years of experience in Fintech and Telecom Industry. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
9
9
years of professional experience
5
5
years of post-secondary education
Work History
Senior Solution Architect
Etisalat
Dubai
03.2020 - Current
- UAE eWallet - The first UAE Central Bank licensed Digital Wallet
- Architected First ever Global Remittance Hub which integrates with
- Multiple MTOs MoneyGram, WesternUnion and Transfast, The solution is a major hit in market and most selling use-case for eWallet
- Lead scheme(MasterCard,visa,local debit cards) certifications on
- Internet Payment Gateway for multiple mandates like 3DS 2.0, Card on file , Network tokens
- Designed automated merchant onboarding and sandboxing for IPG
- Conducted market benchmarking and formulated them in user stories
- Technical Design alignment with Channels, Service Layer and Core
- Products teams to agree and develop the requirements in-house
- Managing the roadmap of eWallet to meet the strategic goals of the organization
- Driven top company priority user betas, launches, and rollouts (in partnership with product marketing, user operations and others)
- Delivered continuous improvement across fast paced operational areas, resolved tickets within defined SLA, product Bug reporting to resolution and support ad-hoc strategic projects, requests and/or analysis, as needed
Senior Expert Planning & Architecture
Expert Financial Services
Islamabad
11.2017 - 03.2020
- JazzCash with more than 9 million active Consumers leading the digital portfolio of Pakistan, providing digital banking services to bank the unbanked in Pakistan
- As part of the Acceptance Solutions team, I worked to open up new channels for Jazzcash payment acceptance - whether that be un- penetrated merchant segments (like utilities payments, ticketing or e- commerce stores) or emerging markets where online payments trends were low
- Responsible for product planning, integration and implementation of
- JazzCash's instore and online payments products across different platforms and integration of new products into JazzCash’s core financials and Accounting system
- Responsible for introducing new payments mode (QR, Tap n Pay,
- Credit/Debit Cards, Mobile Wallets)
- Responsible for creating Eco-systems to integrate with partners over open API's (Bookme, EatMubarak etc)
- Technical planning and end to end delivery of up-to date payments features(PCI Tokenization, EMV tokenization, PCI/DSS, In-App features) over Agile using JIRA,Confluence
- Enabling digital features over the API gateway to create Eco systems for new startup and merchants
- Ensuring information security and governance of digital Eco system
Solutions and Services Engineer
Ericsson
Islamabad
12.2013 - 11.2017
- Solutions and Integration lead Telenor MFS Core migration from
- Fundamo(Visa) to Ericsson Wallet Platform
- Ericsson Mobile Money deployment with digital echo system to provide end to end digital experience to customers
- Integration and Bridging lead for Jazz BSS Modernisation
- Offshore assignment for Indonesia IndoSAT Project.
Planning Trainee Engineer
Mobilink GSM
Islamabad
01.2013 - 12.2013
- Business Configurations for campaigns for market segments
- Responsible for Change requests and New Integrations responsibility including Diameter, Camel, Smpp, Smtp, Scap, Soap, Rest, Ucip/Acip.
Education
Bachelor of Computer Engineering -
Bahria University
Islamabad 09.2008 - 06.2012
Mastering Design Think - Executive Management Course
MIT Sloan School of Management
06.2021 - 09.2022
Skills
Solution Architecture
Timeline
Mastering Design Think - Executive Management Course
MIT Sloan School of Management
06.2021 - 09.2022
Senior Solution Architect
Etisalat
03.2020 - Current
Senior Expert Planning & Architecture
Expert Financial Services
11.2017 - 03.2020
Solutions and Services Engineer
Ericsson
12.2013 - 11.2017
Planning Trainee Engineer
Mobilink GSM
01.2013 - 12.2013
Bachelor of Computer Engineering -
Bahria University
09.2008 - 06.2012
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