100+
payment experiences innovated in the past 5 years
Cross-Sector Exp.
- Banking
- F&B
- Retail
- Edu.
- Telecom
- Banking
- F&B
- Retail
- Edu.
- Telecom
Impact
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Led successful product innovation engagements
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Secured exclusive multi-year deals
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Achieved rapid transaction volume growth
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Experienced exponential market share expansion
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Fostered long-term global partnerships
Expertise
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Leading Design Teams & Mentoring
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Facilitating Product Innovation Workshops
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Establishing/Scaling Design Function
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User Research: Qualitative & Quantitative
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Cross-functional Collaboration
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Design Advocacy
Customer-centric, entrepreneurial, proactive, enabling, inclusive, strategic, collaborative, data-driven, commercially focused, and multilingual
Certified IDEO Design Thinker, Expert in Design Thinking Workshops
3yrs
Studied Human Psychology
Academic Achievements
I’ve always been deeply passionate about human psychology and initially pursued a degree in the field, studying it for three years. However, I eventually earned a Bachelor’s degree in commerce from the University of Karachi, with a major focus on Accounting, Economics, and Business Communications.
Certifications
Principles of Marketing

Design Management
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• Design Thinking: Understanding the Process
• Leading a Customer-Centric Culture

• Collaborative Leadership
• Advanced Design Thinking
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The Future of Planning: People-Based Marketing

• User Research Methods & Approaches
• Payments Everywhere Professional Certification
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Design Thinking 101
Career Journey
User Journeys I’ve Led in Recent Years
- Digital Customer Onboarding
- Digital KYC
- Card Issuance
- Card Top-up
- Card Management
- eWallet
- Biometric (Pay with Face Scan)
- Tap to Pay
- P2P
- QR
- Link
- Nearby
- Personalized Offers
- Cashback
- Pay With Points
- Real-time Notifications
- Gamification
- Digital Inventory
- Digital POS
- Micro-lending
- Employee Card Issuance & Management
- Payroll
- Expense Reporting
- In-flight Experience
- Travel Booking
- Cross-border Offers
- Transport / Taxi Booking
- Travel Card Management
- Open-loop Ticketing
- Instant Installments
- POS Installments
- Credit Marketplace
- Budget Setting
- Financial Goals Setting & Tracking
- Expense Tracking
- Bills Payment
- Split Bill
- Insurance
- Financial Products
- Investments
- + Credentials
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- Digital Customer Onboarding
- Digital KYC
- Card Issuance
- Card Top-up
- Card Management
- + Payments
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- eWallet
- Biometric (Pay with Face Scan)
- Tap to Pay
- P2P
- QR
- Link
- Nearby
- + Loyalty
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- Personalized Offers
- Cashback
- Pay With Points
- Real-time Notifications
- Gamification
- + Merchants
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- Digital Inventory
- Digital POS
- Micro-lending
- + Corporate
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- Employee Card Issuance & Management
- Payroll
- Expense Reporting
- + Travel
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- In-flight Experience
- Travel Booking
- Cross-border Offers
- Transport / Taxi Booking
- Travel Card Management
- Open-loop Ticketing
- + BNPL
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- Instant Installments
- POS Installments
- Credit Marketplace
- + PFM
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- Budget Setting
- Financial Goals Setting & Tracking
- Expense Tracking
- Bills Payment
- Split Bill
- + VAS
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- Insurance
- Financial Products
- Investments
Clients I’ve Worked With in Recent Years
- Abu Dhabi Commercial Bank
- Dubai Islamic Bank
- National Bank of Kuwait
- Boubyan Bank – Kuwait
- Etihad Airways – Abu Dhabi
- Emirates ENBD
- Etisalat
- Amazon
- Souq
- First National Bank – South Africa
- Majid Al Futaim
- Accor
- Vodacom
- Virgin Mobile
- Samsung
- Paga – South Africa
- Portmone
- Electrum – South Africa
- First Abu Dhabi Bank
- CIH Bank
With a foundation built on empathy, integrity, and trust, I’ve thrived as a Design Leader for 20 years, serving clients across 90+ countries worldwide. Over the last five years, I’ve spearheaded 100+ payment innovation projects for top-tier B2B/B2C clients like Paga and Etihad Airways, spanning sectors from banking to tourism.