Summary
Results-driven Merchant Acquiring & Fintech Professional with 20+ years of experience across UAE and Pakistan. Specialized in POS acquiring, payment gateways, digital payments, and merchant portfolio management.
Proven track record of managing multi-million AED merchant portfolios, driving revenue growth, improving retention, and leading high-performing teams. Strong exposure to PSP ecosystems, fintech partnerships, and end-to-end payment lifecycle (onboarding to settlement).
Overview
21
21
years of professional experience
Work history
Senior Business Development Manager - Sales and Retention
DigiPos Solution -PSP For ADIB Bank & AFS (UAE)
, UAE
2020.12 - Current
- Managed acquiring portfolio for Abu Dhabi Islamic Bank (ADIB) & AFS (Arab Financial Services)
- Handled merchant onboarding, pricing, and relationship management
- Increased transaction volumes through merchant engagement strategies
- Managing and expanding merchant acquiring portfolio across UAE
- Driving POS, SoftPOS, and payment gateway sales across multiple industries
- Leading a team of 20 staff for merchant retention and servicing
- Building strong partnerships with banks, PSPs, and fintech providers
- Improving merchant engagement and reducing attrition
- Achieving consistent sales and revenue growth targets
Team Leader - Collections and Recoveries
Derby Group
2017.12 - 2020.04
- Led recovery operations for credit cards and personal loans
- Improved collection efficiency and reduced delinquency
Business Development Manager
Noor Bank
2017.06 - 2017.11
- Achieved monthly sales targets for credit cards and retail banking products.
- Built a strong customer pipeline contributing to consistent business growth.
Relationship Officer
Deem Finance
2015.02 - 2016.02
- Acquired new customers for personal loans and credit cards.
- Delivered consistent sales performance and maintained strong customer relationships.
Recovery Manager
MCB Bank Limited
2011.05 - 2014.11
- Managed recovery portfolio for auto loans and credit cards.
- Reduced non-performing loans through effective recovery strategies.
- Improved recovery performance and minimized financial losses.
Collections Manager
NIB Bank Limited
2008.08 - 2011.04
- Managed cluster-level portfolio across secured and unsecured products.
- Improved collection performance and reduced overdue accounts.
- Coordinated with legal teams on recovery and litigation cases.
Collections Supervisor
Standard Chartered Bank
2005.02 - 2008.07
- Managed collections across multiple consumer banking products.
- Led hiring, training, and performance management of team members.
- Acted as Collection Manager and handled full operational responsibilities.
Education
Master of Science - Applied Linguistics
Skills
- Merchant Acquiring
- Digital Payments
- POS & Payment Gateway
- Fintech & PSP Models
- Business Development
- Portfolio Management
- Merchant Retention
- Key Account Management
- Sales Leadership
Accomplishments
- Consistently achieved sales and recovery targets.
- Managed large consumer and merchant portfolios across UAE and Pakistan.
- Improved portfolio quality and reduced delinquency levels.
- Built and led high-performing teams.
Languages
Urdu
English
Custom Section
- Consumer Banking including Credit Cards, Personal Loans, and Auto Finance
- Merchant Acquiring and POS Business
- Sales and Revenue Growth
- Portfolio Management
- Collections and Recoveries (NPL Control)
- Team Leadership and Performance Management
Personal Information
Timeline
Senior Business Development Manager - Sales and Retention - DigiPos Solution -PSP For ADIB Bank & AFS (UAE)
2020.12 - Current
Team Leader - Collections and Recoveries - Derby Group
2017.12 - 2020.04
Business Development Manager - Noor Bank
2017.06 - 2017.11
Relationship Officer - Deem Finance
2015.02 - 2016.02
Recovery Manager - MCB Bank Limited
2011.05 - 2014.11
Collections Manager - NIB Bank Limited
2008.08 - 2011.04
Collections Supervisor - Standard Chartered Bank
2005.02 - 2008.07
Bahauddin Zakariya University - Master of Science, Applied Linguistics