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Passionate about Mobile, InsurTech and FinTech

Built Propositions for a Challenger Bank

Small plant growing in row


Built a digital-only financial services business unit from scratch leveraging FinTech including defining and developing financial/banking services including customer centric Current Account, Saving Account, Overdrafts, Short-term Loans, and Money Remittances

  • Strategic direction, target operating model and business plan;
  • Propositions, product risks and specifications and roadmap;
  • Governance structure and process (Risk and Product Governance Boards)
  • 3rd party partners identification, evaluation and commercial negotiations;
  • Go-to-market plan and implementation.
  • Led the online and mobile design & testing (UX and UI) for Android and iOS
  • Led portfolio lifecycle management through the monitor, analysis of the performance and manage the PMO
  • Recruited and built the team from scratch

Commercial Due Diligence

Apples for sale at an orchard in Upstate New York


  • Developed investment criteria for a multinational client
  • Scanned and identified the market for potential targets
  • Sounded out targets
  • Conducted commercial due diligence on the shorlist
  • Programme managed the due diligence process engaging with audtiors, technology auditors and legal team

Developed and Launched New Digital Business

Contrast between historic building and modern skyscraper

United Kingdom

Developed and launched new digital business (payment & content) strategy and proposition from scratch for a multinational client.

  • Implemented and launched the proposition commercially and successfully (success fee awarded 3 and 6 months post launch)
  • Developed a mobile content, payment and portal strategy
  • Devised primary customer research through focus groups and quantitative research
  • Developed consumer proposition, flexible business case and go-to-market plan
  • Identified, negotiated and finalised contractual agreements with multiple new partners and suppliers including 18 content providers, 1 payment aggregator, 1 portal platform provider and 1 mobile operator
  • Managed the product and service testing phases (pilot and beta testing)



  • Developed the digital strategy and implemented group-level transformation program for a major client
  • Consolidated key performance data, short- and long-range plan (including scenario planning), and commercial planning
  • Adopted agile project management
  • Supported to gain buy-in from multiple stakeholders and country operating companies

Developed targeted insurance proposition



  • Developed highly targeted insurance proposition as customer retention tool
  • Pioneered the freemium model for the client
  • Negotiated with different insurance providers
  • Refine insurance propositions working with providers


Developed Mobile Payment Strategy


  • Developed mobile payment strategy covering different commerce landscapes including remote (virtual POS), mobile as a POS, mobile at POS, contactless (NFC) and commerce (loyalty, couponing, transit)
  • Assessed and defined mobile and digital wallet roadmap

Developed Go-to-Market Mobile Payment



  • Developed go-to-market strategy and roadmap to enable payment for mobile and online applications with focus on generating new revenue streams
  • Identified and selected strategic partner encompassing payment platform vendor, aggregator, and settlemet service provider
  • Negotiated commercials and developed contract with mobile operators and device vendors

Launched a Multi-Country Innovative Mobile Offer



  • Drafted in to re-start a much delayed product launch
  • Developed innovative proposition for SME and consumer segments
  • Responsibled for spearheading the commercial launch including finalisation of the proposition
  • Obtained buy-in from operating companies from different countries on a common business model and Inter-Operator Tariffs
  • Product launched successfully across 4 countries within the agreed timeframe

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