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Nadra Technologies LtdDirector/HOD NADRA Technologies
Jan. 2021 - Jul. 2025Islāmābād, Pakistan• Strategic Leadership: Aligned digital franchise operations with national business objectives, identified market opportunities, and drove expansion through partnerships and innovation. • Financial & Operational Oversight: Managed multimillion-rupee budgets, optimized cash flow and reconciliation, and ensured financial targets were consistently met or exceeded. • Technology & Digital Innovation: Led automation efforts, adopted digital payment platforms, and streamlined operations across a distributed franchise network. • Franchise & Corporate Onboarding: Directed end-to-end digital onboarding for franchisees and B2B clients, ensuring operational readiness and regulatory compliance. • Stakeholder Engagement: Built strong relationships with government entities, utility companies, and private sector clients to enhance service offerings and expand impact. • Team Leadership: Led cross-functional teams in operations, finance, legal, and technology, fostering a high-performance culture of innovation, accountability, and excellence.
Habib Bank LimitedSenior Business Analyst - Digital Banking
Oct. 2020 - Mar. 2022Karāchi, Sindh, PakistanHeaded up digital transformation for HBL Digital Banking Group, where my main tasks include evaluating new project needs, coordinating with internal stakeholders and vendors, doing technical assessments (BRD and FSD) and project delivery. Worked on a variety of local/international initiatives as well as regulatory/scheme mandates. ▪ Domestic: Contactless Debit Card, VISA Message Level Encryption (MLE), CxBanking (Full Function Machine) Project, Digital Debit Card Project, Unison 360 (CRM) Enhancement Project, Terminal Certifications with Schemes (Visa ADVT, MasterCard NIV/MTIP, Paypak), VISA Enterprise Loyalty Program, Digital First Card etc. ▪ International: Maldives VISA National Net Settlement Project, VISA Tokenization (with Bahrain Switch), Automated Fee Recovery for Bangladesh &Sri Lanka, Mobile Application Deployment for UAE, OTP Verification for Debit Card Payment Gateway Transactions (UAE)
JDW GroupSenior ERP Consultant
May. 2019 - Sep. 2020Lahore, PakistanPlayed an important role in developing Group’s IT strategy and Digital Transformation of key business processes. Led company’s million-dollar ERP project, identified all critical factors, like success dimensions: project success and business metrics success. Developed an ERP Strategy Document covering all aspects like Project Financials, Functional Requirement, Integration, Project Plan etc.
Information TechnologyIndependent Consultant
Jul. 2016 - Apr. 2019Lahore, Pakistan
Nadra TechnologiesDirector, Technical Operations
Jun. 2012 - Jun. 2016IslamabadLed the development and execution of IT strategy aligned with business growth, focusing on operational excellence through ITIL implementation and process digitization. Spearheaded key digital initiatives including Bank Recharge Middleware, Utility Billing Transformation, and BI Reporting. Served as Technical Project Lead for major integrations such as G2P disbursements (Sindh Guzara Allowance), EOBI Pension, branchless banking (HBL, Waseela Bank), microcredit collections (KASHF, Damen), and multi-bank utility bill payments via a custom Billing Switch. Also integrated systems with insurance firms (OCS, EFU), educational institutions (Virtual University), and telecom providers (Zong, EP Systems). Oversaw annual IT budgeting, strategic planning, and developed BCP/DR frameworks.
Faysal Bank LimitedVice President, IT Infrastructure
Jan. 2011 - Jun. 2011LahoreKeeping in view the bank’s strategic vision to enhance IT services helped to develop strategic documents for Virtual Desktop Interface (VDI) and Desktop Standardisation.
Royal Bank of Scotland, KarachiCountry Head of Infrastructure Data Services
Jan. 2007 - Jan. 2010Worked on the synergies, integration and consolidation of Infrastructure Services and Operations. Accomplished all strategic roadmaps, ensuring end-to-end business-IT projects to be completed in respective functions. Also involved in the formation of Business Continuity Planning (BCP) and Disaster Recovery Drills (DRD) in the bank. Led all disaster recovery drills conducted across the country. Led some key projects like RBS Separation Project, MS Exchange Project, Prime Bank Integration Project.
ABN AMRO Bank N.V.Country Head of Infrastructure Delivery Service
Jan. 2001 - Jan. 2007karachiServed as the primary point of contact for all IT services delivered to respective functions. In order to achieve company’s customer relationship excellence, a true ITIL based IT Service Delivery Model was developed and implemented in Infrastructure Operation unit. Led multiple local/regional projects like Common Office Environment Project, VMWare/Citrix Project, 1-Link Switch Integration, Call Center / IVR Project, Windows Server Rationalization etc.
ABN Amro Bank N.V, KarachiProject Coordinator, Business Technology Office,
Jan. 1999 - Jan. 2002Contributed significantly to product development and delivery of key banking projects. Led design and development of payment modules for the Oracle-based Core Banking Services Suite (TCSS). Developed a Direct Marketing Database (DMD) to support telemarketing operations. Executed a major data consolidation project by merging distributed Oracle databases into a centralized system, improving performance and scalability. Designed multidimensional data cubes using Cognos for advanced business intelligence, enabling in-depth analysis of financial metrics to support strategic decision-making.
ABN AMRO Bank N.V, LahoreIT Unit Head, Central Region
Jan. 1994 - Jan. 1999
Fidelity Investment Bank, PakistanHead of Information Technology
Sep. 1993 - May. 1994Managed IT operations and led core banking application design, migration and implementation.
Zahoor Textile Mills, LahoreSystem Analyst & Head of Information Technology
Aug. 1992 - Aug. 1993Built strong business-IT alignment by developing key systems, including General Ledger, Sales, and Procurement modules. Delivered and implemented these Oracle-based applications within a record 4-month timeline, enabling real-time financial visibility at the head office.
Innovative Computers Pvt LtdSoftware Engineer
Mar. 1991 - Jul. 1992Lahore, Punjab, PakistanWorked on various software development projects like Export Management System (Eastern Leather Company) and Purchase Management System (SAGA Sports). All development was carried out using Oracle RDBMS, Oracle Forms, and Oracle Reports under Unix OS.
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