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Customer-focused Mobile Money professional possessing over a decade of  experience in launching, designing and managing product solutions/portfolios across m-commerce, payments and mobile financial service domains.
  • Successful leadership in defining and executing clear product and GTM strategy through diverse stakeholder management.
  • Broad commercial acumen in identifying scale-able solutions in par with demographic and market conditions.
  • Experience in championing the roll-out of high value products and project management
  • Demonstrated analytical ability in evaluating complex requirements across different geographies while managing delivery in cross functional teams within aggressive timelines
Product Development
  •  Successful roll out of end to end Mobile Money technical operations in Tanzania (presently recognized as a worldwide leader in Mobile Money)
  •  Transformation of a large scale mobile money operation and implementation of best practices to reach significant scale of operations, resulting in a 100% increase in volume generation in Uganda
  •  Design generic process flows for payment service that reduced overall integration timelines and costs by up to 75% in Tanzania
  •  Define the product and GTM strategy for mobile money service across operations in Africa 
  •  Lead Technology expert in the Mobile Money domain and a subject matter expert in solution design and implementation of high value projects with budgets of 4M+ USD (across Africa)


Competitive and Technical Analysis

  • Lead technical analysis of platform functionality to ensure fitment to the Group's strategy as part of vendor shortlisting process
  • Define RFP proposals and implement SLAs and contractual obligations of vendor
  • Define and recommend the commercial pricing strategy for the markets in Africa based on competition analysis 
  • Product Management 
  • Product Pricing
  • Solution Architecture
  • Requirements Analysis
  • Programming Languages
  • Mobile Payments
  • Stakeholder Management
  • Technology transformation
  • Business Processes
  • KYC and AML
  • Payback analysis
  • Technical Operations
  • Leadership capability
Lead Technical Expert, 03/2018 to Current Airtel Africa Limited Nairobi

Responsible for leading and managing the overall roadmap for Airtel Money and performance of the Airtel Money entity in the region, cascading the group's Airtel Money product strategic direction and priorities; defining, tracking and enforcing ways of working with the objective of achieving the strategic intent and periodic AOP.

Key Achievements:
  • Drive key strategic initiatives to improve product performance and provide strategic leadership and direction to the Airtel Money Function
  • Governance and performance monitoring of Operations
  • Technological transformation of key processes within the business
  • Lead SME for the various business functions and SPOC for Mobile money
  • Formulate product roadmap strategy inline with long term objectives of the business
Head of Products, 01/2016 to 02/2018 Millicom International Cellular S. A Dar Es

Build the Mobile Financial Services (MFS) e-money ecosystem with transactional, business and financial services products ensuring each are planned, have a defined business case, fit with the market objectives of each country, launched in each market to meet business objectives and and defined and maintained life-cycle throughout.

Key Achievements:

  • Create, deliver and manage a portfolio of products for the MFS markets in 6 African operations
  • Developing and growing the usage of products, also responsible for on shadow P&L of assigned products
  • Formulate and Share best practices and successful initiatives across the operations in the Group enabling knowledge retention and capability building
  • Identify suitable regional partners for the launch and integration of MFS products Track, assist and support the commercial heads of department (MFS) in meeting the budgeted target for the year
  • Participate in industry forums and events organized by trade associations (like GSMA etc) and regulators to talk about the current state of the industry
Regional MFS Architect - Africa, 10/2014 to 12/2015 Millicom Services UK Ltd London, United Kingdom

Deliver End-to-End Solutions for the MFS Business Unit requirements and closely working with Marketing (Consumer), Sales (Go To Market), Customer Operation (Include Billing Operation) and others business areas, creating winning proposals and successfully delivering within budget

Key Achievements:

  • Lead technical implementation of new solutions across 6 African operations in the Mobile Financial Services (MFS) unit Responsible for identifying the right use cases to deploy a middle-ware platform for MFS services across 5 operations with a budget of ~4M+ USD.
Project Delivery Manager, 06/2013 to 10/2014 Millicom International Cellular S.A Dar Es

Build strong collaborative relationships from the Business, Group, local stakeholders and 3rd party organizations to ensure the entire product portfolio is market leading. Track and report systematically on the progress of the projects to internal stakeholders


Key Achievements:

  • Instrumental in the launch of the Groups mobile money deployment in Senegal/West Africa
  • Manage the product development, from concept to deployment of stand alone products and services such as Bulk disbursement and Cross border remittance across 6 African operations
  • Produce documentation and present to the regulators the concept developed to procure necessary approvals for product launch of these stand alone services.
Product Development Manager, 05/2012 to 05/2013 MIC Tanzania Ltd Dar Es

Oversee the entire product development plan for the newly launched mobile money service and ensure the commercial strategy keeps up with the pace in the local market in Tanzania

Key Achievements

  • Developed new products through close and continuous engagements with commercial and business stakeholders to ensure the product deployed is market leading and agile
  • Lead the functional design, architecture requirements for the tender process to evaluate a new technical platform vendor
  • New custom made promotional module that was built within a month to counter competitor pressure and react to a change in strategy.
Technical Consultant, 09/2010 to 04/2012 MIC Tanzania Ltd/THBS Dar Es

Ensure the completion of full system implementation and ensure a proper handover with the solution provider in order to be fully conversant in all technical / IT aspects of the platform

Key Achievements

  • Launch the Group's first mobile money implementation in Africa Act as a single Technical point of contact (SPOC) for the business across all the stages of the project
  • User admin management - Will be the Super User of the MFS Platform and will be able to perform all aspects of user admin management on the Platform.
Software Engineer, 01/2017 Torry Harris Business Solutions Bangalore, India
Consultant, 08/2007 to 06/2010 Capgemini India Pvt Ltd Bangalore, India

Performing technical operational admin activities pertaining to enterprise applications hosted on webMethods (wM) servers Perform RCA on critical business issues

Support Consultant for patch application, hardware & software upgrades Functional support to the wM applications in terms of resolving service requests.

Education and Training
MBA: General Administration, 2019 Warwick Business School Coventry, United Kingdom
Bachelor of Engineering: Electronics and Visvesvaraya Technological University (VTU) Bangalore, India
Professional Training in SUN Certified JAVA programming NIIT Bangalore, India
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Professional Summary
Young and accomplished professional with career history marked by successes in reducing costs, streamlining procedures and generating new revenue streams. Remarkable abilities in developing innovative business strategies and improving administration processes.
  • Proficient MS Office knowledge
  • Fluent in English & Farsi
  • Business analysis professional
  • Client Relations Expert
  • Product Marketing Specialist
  • Creative problem solver
Bachelor of Arts: Business Management 2013 California State University - Fullerton
Work History
English Teacher 02/2017 to Current
Iran Mehr Language Institution Tehran
  • Educated 20+ students in the basics of English grammar and conversational speaking.
  • Coordinated communication between students and school administration to create an effective and culturally-sensitive learning environment.
  • Emphasized critical thinking through small group activities.
  • Created monthly academic status reports based on in-depth student evaluations.
  • Developed and taught a curriculum to improve students' conversational abilities.
Life Coach 01/2015 to 05/2017
OMID Multicultural Institute, Inc Irvine, CA
  • Led three group therapy sessions each week.
  • Interviewed and assessed an average of 15 incoming residents per week.
  • Conducted 9 one-on-one counseling sessions per week.
  • Counseled students with mental health disorders such as ADHD and Anxiety.
  • Provide direct service and support to individuals or clients, such as handling a referral for child advocacy issues, or conducting a needs evaluation.
Product Development Manager 01/2016 to 10/2016
Novum forum Insurance, Inc Placentia, CA
  • Research market conditions in local, regional, and national areas.
  • Gather information to determine potential sales of a product or service, and create marketing campaigns.
  • Gather information on competitors, prices, sales, and methods of marketing and distribution.
Business Development Manager 04/2012 to 09/2016
Fulcrum Insurance Center, Inc CA
  • Plan, direct, and coordinate marketing policies and programs, such as determining the demand for products and services offered by the agency and identify potential customers.
  • Develop technologies with the goal of maximizing the firm's profits while ensuring the firm's customers and agents are satisfied.
  • Oversee product development and monitor trends that indicate the need for new products and services.
Account Manager 09/2010 to 04/2012
Independent Farmers Insurance Agency Irvine, CA
  • Responsible for managing personal and commercial insurance policies.
  • Duties include reviewing insurance applications to ensure that all questions have been answered, compiling data on insurance policy changes, changing policy records to conform to insured party's specifications, compiling data on lapsed insurance policies to determine automatic reinstatement according to company policies, canceling insurance policies as requested by agents, and verifying the accuracy of insurance company records.
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Executive Profile
Seasoned and versatile professional with expertise in all aspects of Mortgage Banking.  Extensive experience in areas of origination, fulfillment, secondary marketing, risk management and product development.  Solution oriented leader with focus on process improvements, customer experience, team member development and project management.
Professional Experience
Retail Support Manager
May 2015 to Current
Wells Fargo Bank,NA Charlotte, NC

Managed and led a team of three Retail Performance Coaches that supported East Coast Home Equity Fulfillment for Retail Bank, Internet Phone Channel and Private Banking. Identified process and procedural improvements, trends, communicated change and partnered with Fulfillment Site Leads in achieving business goals. 

  • Change Management:  Collaborated on and effectively led various initiatives that significantly impacted the organization, including creating, researching and defining processes and procedures that resulted in reducing cost to produce loans from $2500.00 to $1600.00.
  • Developing Partnerships:  Engaged in various projects across the organization, fostering strong business relationships with key stake holders such as Policy, Risk, Compliance, Procedures, Fulfillment and Sales.  Effectively led work streams to gain approvals and support in order to enhance and streamline the business that resulted in increased productivity.
  • Process Improvement:  Identified, Solutioned and Communicated change.  Led project on process enhancements to the Work Number for Everyone that resulted in a streamlined approach to validating income, ease of use for team members, increased usage and ultimately resulted in an improved customer and sales experience.  Increased tool usage from 10% to 28%.
  • Risk Management:  Review and analyze reporting to ensure adherence to processes and identify inefficiencies.  The move to "One Underwriter", which dismantled the Income Review Team, there was a need to offer support to newly trained underwriters.  Created an action plan with partnership of Quality Review and National Underwriting Team that quickly identified trends and training needs in order for underwriters to succeed.  
Retail Performance Coach
January 2013 to May 2015
Initiated and implemented strategic initiatives that resulted in improvements to productivity, employee engagement, high performance lending, creating awareness and improvement in customer loyalty and partner satisfaction.
  • Team Member Engagement:  Collaborated with team members to ensure procedure and policy changes were communicated and implemented.  Supported PACA(People as our Competitive Advantage) via defining expectations, developing performance plans and providing assistance and support of incentive programs.
  • Optimize Operating Efficiency:  Monitored data and metrics related to productivity, quality, customer and partner satisfaction.  Identified telephony problems with queues that were impacting customer loyalty and implemented changes that reduced the number of unanswered calls.
  • Customer Loyalty and Partner Satisfaction:  Facilitated weekly meetings to discuss customer and partner survey responses with site leadership teams.   Identified areas of opportunity that led to employee coaching and overall awareness.
  • Credit Quality:  Ensured accountability for credit decisions and execution, monitored and recommended lending/exception authority levels in order to support volume mix, provided trend reporting and credit action plans that assisted the site in achieving 97% for overall Quality.
Lending Manager
October 2009 to January 2013
Managed a team of underwriters that supported the Retail Bank, Internet and Phone channels.  Responsible for ensuring loans met portfolio underwriting guidelines, regulatory and compliance standards.  Focus on Customer Experience and Partner Satisfaction.
  • Implement, drive and inspect behaviors utilized by team members in order to increase customer retention, recapture and referrals of family and friends.
  • Developing Partnerships:  Worked closely with Retail Business Consultants and Home Equity Specialists to meet the needs and expectations of external and internal customers.
  • Operational Excellence:  Set clear and concise expectations and inspect.  Identified and addressed areas of opportunity.
  • Employee Retention and Development:  Worked closely with employees and provided additional training that further enhanced their skill set to make them more effective and productive in their roles as well as provided opportunity for growth.  Mentor and coached in both favorable and unfavorable situations.
Product Development Manager
December 2004 to July 2009
Managed and led a team that developed and maintained products for delivery to Fannie Mae, Freddie Mac, Government and Bank Portfolio that increased volume and revenue as well as manage the risk appetite of external investors as well as the Bank's portfolio of mortgage assets.
  • Speed to Market:  Increased the turnaround of new products and enhancements by creating bi-weekly versus quarterly cycles.
  • Communication:  Improved and simplified the process by developing a new format for memos that enabled ease of use and readability for smart phone devices.  Developed web based communication and training.
  • Process Improvement:  Planned and assisted in development of a tool that reduced the amount of data entry required, improved ease of use and improved information flow to Pricing, Investor Relations and Servicing.
 National Non Conforming Wholesale lender that originated business via a network of mortgage sales professionals and mortgage bankers/brokers.  Loans were then sold to national mortgage companies as well as Wall Street investors.  I held a number of leadership roles that resulted in the company being one of the top lenders. 
Director of Whole Loan Sales
  • Directed operational team of 75-100 that supported the sales and delivery of loans to investors. Areas of responsibility included: Whole Loan Sales, Collateral Management, HUD Review, Post Closing, Funding, Document Resolution and Product Development

Operations Manager

  • Managed and directed a team of 30 underwriters and processors that successfully supported the top sales region.  
Branch Manager
January 1989 to April 1997
EquiCredit Corporation/Bank of America Charlotte, NC Branch Manager of a national wholesale mortgage origination office that sourced, processed, underwrote and closed first and second mortgage products originated by Mortgage Bankers/Brokers.
Pursuing BA Political Science University of North Carolina Charlotte, NC, United States
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Dynamic Digital Innovator and Leader with 17+ years experience in digital product development, team management, and marketing and sales communications for consumers and businesses.  All efforts focused on core goals of achieving company or client objectives for revenue growth and consumer engagement.
  • Digital Strategy
  • Audience Engagement
  • Email Marketing
  • Behavioral Targeting
  • Search Marketing
  • Social Media Marketing
  • Client/Partner Management
  • Leader, Motivator & Mentor
  • Adaptive to Technology
  • Project Management
  • Product Development
  • Finance and Budgeting
  • Solution Focused
  • Self-Motivated
Areas of Expertise
  • Project Management:
    • Developed implementation strategies for multiple digital product launch initiatives.
    • Managed timeline for internal project teams and set targets for fully-meets expectation deliverables.
    • Manage vendor utilization to optimize ROI.
  •  Operations Leadership:
    • Managed teams ranging from 3-25 people for digital production and revenue-generating services.
    • Communicated across departments to gather internal requests and develop manageable improvements.
    • Providing performance reports to evaluate KPIs and goal attainment.
  • Digital Marketing & Sales Management:
    • Strategized and implemented digital marketing programs for internal products and clients' ROI targets. 
    • Developed effective training programs for sales and marketing teams, plus training seminars for clients. 
    • Successfully grew client base and revenue across multiple digital product segments.
Work Experience
Big Fish Works /Red Wing Publishing Savage, MN Chief Digital Officer / Digital Strategy & Operations 09/2015 to Current
  • Designed and launched new responsive-designed web and mobile sites for 11 newspapers.
  • Developed deployment strategy and conducted implementation of industry-leading digital ad serving technology.
  • Managed digital advertising campaigns for 25 sales team members from 3 different offices, using SEM, Social, Email and Programmatic Audience Targeting platforms.
  • Created and managed team of 3 digital marketing specialists to provide expanded internal services.
  • Managed 20+ partner/vendor services that provided external services for either content management and marketing services.
  • Conducted training seminars for client and sales associates at in-person, invite only events across Minnesota.
  • Increased Y-Y digital revenues by 35% while reducing operational costs by 10%.
GANNETT DIGITAL Tysons Corner, VA Senior Manager, Email Content & Products 02/2015 to 09/2015
  • Manage Exact Target email marketing programs for USA Today plus 80+ newspapers across the United States. 
  • Re-invent email marketing programs for B2B (Sales & Marketing), B2C (Consumer Sales & Audience), and Editorial (Content).
  • Create Best Practices for digital marketing messaging.
  • Recommend strategies for advertising placements distributed within email services.
  • Evalute 3rd party advertising programs, such as Taboola and LiveIntent, for inclusion in email newsletters.
  • Structure new company-wide AdMail initiative to build audience and increase opportunity for distributed sponsored email content. (Gannett) Detroit, MI Director, Innovation & Product Development 02/2014 to 02/2015
  • Led new division that combines our former R&D departments with the Digital Development team.
  • Communicate across divisions to assess new product development opportunities.
  • Manage communications plan for internal users.
  • Create workflow targets for team of developers.
  • Utilized Basecamp, Project GANT and Jira/Confluence.
Detroit News & Free Press (GANNETT) Detroit, MI Director, Digital Ad Operations & Development 04/2008 to 02/2014
  • Direct digital and traditional sales teams on digital solutions.
  • Manage digital ad operations and marketing teams.
  • Coordinate editorial content distribution and platform management.
Director, Online Vertical Sales 02/2007 to 04/2008
  • Led sales teams and product development initiatives representing our core online vertical products, encompassing,,, and private-party classifieds.
  • Managed a team of 7 sales reps and 3 product managers.
Associate Director, Digital Sales, Marketing & Product Development Manager 11/1999 to 02/2007
  • Various Roles from 1998 through 2006.
  • Oversaw all department functions as evolved into role of Digital Sales and Development.
Project Manager, Strategic Planning 03/1998 to 11/1999
  • Worked across all divisions of the company.
  • Evaluated opportunities for new product or service offerings.
  • Developed business plans to justify any new initiatives and provided cost-benefit analysis.
Educational Background
MBA: BUSINESS ADMINISTRATION Wayne State University, Detroit, MI Focus on Marketing and Information Technology
Bachelor of Arts: Marketing and Communications Michigan State University, East Lansing, Michigan
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Professional Summary

Self-motivated outside sales professional experienced in both technical and non-technical, fast-paced team environments. Successful in new account acquisition and growing existing account sales. Relationship building and closing expert. 

  • Persuasive negotiator
  • Strong interpersonal skills
  • Energetic and driven
  • Flexible
  • Dependable
  • Excellent communication skills
  • Sales proposal creation
  • Strategic account development
  • Resolution-oriented
  • Superior organizational skills
  • NAMSR (National Association of Medical Sales Representative) Certified
Work History
Product Development Manager 03/2013 to Current
iBOSS Global Houston, TX
  • Spearheaded expansion and development initiatives of wellness and technology products.
  • Led sales forecasting, market trend evaluation and segment strategies.
  • Negotiated prices, terms of sales and service agreements.
  • Strategized with sales team to prospect and qualify potential customers within assigned geographic territories.
  • Collaborated with account executives to penetrate new accounts, identify potential customers and coordinate product demonstrations.
Internet Marketing Consultant 11/2008 to 02/2013
ReachLocal Houston, TX
  • Led account management, strategy, targeting and campaign development for local SMB clients.
  • Worked closely with clients to identify their needs and challenges and provide solutions-oriented campaign themes.
  • Coordinated with internal business divisions, agency partners and local vendors to guarantee on time, cost-effective delivery of all marketing communications materials.
  • Directed a successful search engine marketing campaign that utilized solid linking, technical and keyword research tactics.
Area Sales Manager 08/2005 to 11/2008
Spectrum Therapy Services Houston, TX
  • Responsible for meeting and exceeding referral/admission goals.
  • Implemented programs and protocols that provided improved Home Health Care and therapy services.
  • Managed team of medical support personnel.
  • Assisted therapists in providing DME to appropriate patient populations.
Agent 11/1996 to 08/2005
Allstate Insurance New Orleans, LA
  • Managed a portfolio of policyholders accounts and a $1,000,000.00 book of business.
  • Built relationships with customers and the community to promote long term business growth.
  • Identified prospective customers by using business directories and following leads from existing clients.
Bachelor of Arts: Bachelor of Interdisciplinary Studies University of New Orleans - New Orleans, LA
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Professional Summary
Dependable Business Development Manager bringing management experience and a willingness to take on added responsibility to meet tight deadlines. Enthusiastic team player with a strong work ethic and advanced complex problem solving skills.
  • Good communication skills
  • Good interpersonal skills
  • Good business knowledge
  • Negotiation skills
  • Tact and diplomacy.Creativity
  • A good grasp of numbers and the ability to write documents in a professional style
  • Organisational skills
  • Good technical knowledge on electro-mechanical system designs
  • Business Intelligence
  • Driven to exceed expectations and willing to work efficiently and effectively
  • Successful in communicating with people at all levels and with other departments as needed to best serve the customer
  • Outstanding ability to professionally and effectively deliver presentations to small and large groups.
Work History
01/2005 to 04/2010
Product development manager Elsevier Chennai
  • Responsible for meeting sales goals and overall quality of service
  • Conduct sales and marketing calls to book meetings with potential clients
  • Send follow-up marketing materials and make follow-up monthly calls to establish relationships
  • Call and personally visit potential, new and existing customers to facilitate new business
  • Perform client presentations articulating the value proposition of product, solution, and service offerings
  • Coordinate efforts to improve the customer experience at the point of sale
  • Manage product sales growth and individual sales effectiveness by reviewing sales activity schedule
06/2010 to Current
Business development manager Maersk Australia
  • Maintained a high profile in the professional and business communities
  • Skilled in cold calling, consultative selling, negotiating contracts, forming alliances and partnering with others
  • Built pricing opportunities to encourage repeat sales. ·         Pursued long-term account strategy that maximized profits and assisted in cultivating long-term relationships with the appropriate decision makers.
  • Monitored new account success by contacting customers at scheduled intervals
  • Ensured customer program satisfaction
  • Provided management with suggestions for improving volume, market share and price levels
MBA: Business Administration
University of Queensland - Brisbane
Bachelor of Technology: Mechanical Engineering
University of Anna - Chennai
  • Developed new marketing strategies to capture market channels with new clients
  • Brought new processes to firm for its growth, using various marketing strategies and communication skills in order to brand the firm in the market and attract new clients
  • Developed strategies and business for the firm by building corporate relationships with customers and the industry/market leaders.Utilized sales and marketing tools to create brand awareness in the market
  • Introduced improvements in business strategies based on customer feedback
  • Expanded business along with the respective market share for the firm
  • Played key role in company initiatives for developing new projects for future use
  • Reading
  • Social Interaction
  • Volunteering and organizing events
  • Research on current affairs
  • Stock exchange 
  • Religious activities
  • Software development