NAZEER KAZMI
Karachi
Summary
Senior Cards leader with overall accountability for cards strategy, portfolio performance, and P&L, delivering sustainable growth through product innovation, portfolio optimization, and revenue-driven initiatives. Strong track record of leading cross-functional execution from concept to go-live with technology, operations, compliance, and vendors.
Overview
22
22
years of professional experience
Work History
Head of Debit Cards
Bank AL Habib
09.2023 - Current
- Currently leading the end-to-end performance, P&L, and strategic growth of the Debit Cards portfolio, covering product launches, customer acquisition, and portfolio optimization, while driving digital-first, customer-centric innovation.
Head of Products
UBL
06.2021 - 09.2023
- Key responsibility to increase the debit cards acquisition, card activation, spend, & cross boarder spends, develop innovative campaigns to incremental activation & revenue lines.
- Customer segmentation, portfolio optimization, operational excellence and maximizing product probability.
Senior Product Manager
HBL
01.2019 - 05.2021
- Managing all areas of Debit Cards Product, including Product Management, Marketing, Business & Merchant Alliances, Sales Management, and Target monitoring, Revenue line, Pricing, Budgeting & Forecasting.
- Manage and coordinate with international countries in order to facilitate & launch debit card projects. 3D secure and contactless card launch in Oman, Bahrain, UAE & Sri Lanka.
- Manage EMV cards projects with all payment schemes.
- Execution of DebitCard services to integrate with digital channels.
- Initiate spend / card activation base activities to increase debit card spend/usage to increase interchange income line.
- Revenue Initiatives including, re-carding of debit card, portfolio upgrade and system development which have a direct revenue impact.
- Other initiatives include forex implementation for Visa, MasterCard, UnionPay and collateral minimize costs and maximize profitability.
- Design and launch various strategic alliances offered on Cards.
- To design the activities at branch and customer level to increase the debit cards acquisition, card activation, usage and loyalty.
- Oversee and provide input to the team for the creation of documentation for product development and enhancement including product programs, BRDs, SLAs, process manuals, UAT scripts, compliance reviews, etc, in order to accurately and efficiently implement all steps in the product development cycle.
- Effectively coordinate with key support units (Branches, Card Operations, Phone Banking, IT, Brand & Marketing, Service Quality).
- Develop marketing programs to acquire new customers retain existing customers and deepen customer relationships.
Product Manager
HBL
01.2013 - 12.2018
- Manage new development/enhancement and innovation projects for by working closely with the cross-functional teams specifically Information Technology
- Analyzing transaction declines and making necessary changes at system level and increasing customer awareness through effective communication to reduce declines
- Execution and Manage G2P (Government to person) projects / cards product.
- Drive segment based strategy for acquisition marketing across existing and new channels
- Formulate annual marketing plan, implement and monitor program results and business performance on a regular basis.
- Oversee and manage complaint resolution in order to ensure that timely responses and efficient solutions are provided and all audit and compliance related queries are fulfilled.
- Responsible for improving an existing product's marketing campaigns or developing new products fit for the cards business.
Asst. Manager
HBL
09.2007 - 12.2012
- Managing day to day relationship with Business Partners and developing long term business relationship
- Involved in all the cross-sells in the branch. And guidance to sales staff to meet the targets of branch / Area of all targeted products.
- Design and assist Product Head in various promotions offered on cards business.
- Support to increase ANR through Loyalty's initiatives
- Prepare new promotion process to improve delivery timeliness
- To coordinate and liaison with brand & marketing team for upcoming promotions and provide product brief to prepare collateral for loyalty programs.
- Prepare MIS for accounting treatment and coordinate with Cards Ops for reconciliation and audit trail.
- Develop the calculated methodology and UAT for new initiatives.
- Provide training and ongoing product support to the sale team about the features and benefits of the product and services.
- To ensure all process are applied as per compliance and audit
Marketing Services Executive
SCB / Union Bank
01.2005 - 08.2007
- Implemented a range of promotional programs, executed independently and in collaboration with strategic partners.
- Identifying profitable opportunities with strategic partners for special Amex/Visa promotions.
- Provide training and ongoing product support to the sale team about the features and benefits of the product and services.
- Responsible for strong relationship with corporate clients.
- To ensure that ISMs target is met on monthly basis in respect of Amex and Visa Business.
- Developed and manage the recurring payment process (Auto Debit Facility) with business partners and look after the billing process.
- Prepared budgeting to the Alliances.
Receivable & Recovery Controller
Coca Cola Beverages Pakistan Limited
01.2004 - 01.2005
- Responsible for all Account Receivable coordination & Recovery with our clients.
- Preparation of Monthly Discount Reports.
- Reconciliation of Distributor Discounts.
- Prepare Manual Sampling and Targets Achievement Reports.
- Co-ordinate with Manager Accounts in respect of Recovery of Key Outlets.
Education
EMBA - Banking & Finance
Preston University
Karachi01.2008
B. Com - Business
Govt. Premier College
Karachi01.2001
Skills
- Product Management & Development
- Portfolio Management
- Strategic Alliances & Partnerships
- Loyalty Programs & Customer Engagement
- Digital & Customer-Centric Product Strategy
- Cross-Functional Project Leadership
Timeline
Head of Debit Cards
Bank AL Habib
09.2023 - Current
Head of Products
UBL
06.2021 - 09.2023
Senior Product Manager
HBL
01.2019 - 05.2021
Product Manager
HBL
01.2013 - 12.2018
Asst. Manager
HBL
09.2007 - 12.2012
Marketing Services Executive
SCB / Union Bank
01.2005 - 08.2007
Receivable & Recovery Controller
Coca Cola Beverages Pakistan Limited
01.2004 - 01.2005
EMBA - Banking & Finance
Preston University
B. Com - Business
Govt. Premier College