SHEIKH WAQAR HUSSAIN
Karachi
Summary
Results-driven professional with expertise in digital banking (ESB integration, digital channels, 24/7 operations, incident management) and retail management (store operations, workforce planning, budgeting, sales performance), delivering operational efficiency, revenue growth, and data-driven business outcomes across the UAE and Pakistan.
Overview
21
21
years of professional experience
2
2
Certifications
Work History
Manager - Digital Banking
Bankislami Pakistan Ltd
03.2023 - Current
- Managed 24/7 L2 support for Raast Instant Payments, ensuring 99.9% up-time, SLA compliance, and rapid incident resolution.
- Provided ESB-level integration and operational support for multiple banking services, including service orchestration, message routing, monitoring, troubleshooting, and performance optimization.
- Supported the SBP-led SWAPs initiative, ensuring regulatory compliance, secure connectivity, and operational readiness across integrated systems.
- Led Raast P2M (CSP & MSP), Bulk Payments, and OTC operations, including settlement, reconciliation, and regulatory compliance.
- Delivered ESB-based, Open Banking, PayFast, and Paysys integrations, covering API certification, go-live, and post-production support.
- Project-managed Home Remittance EPRC solutions in alignment with the SBP Raast framework, ensuring regulatory compliance and operational stability.
- Administered ESB platform operations, including service monitoring, environment housekeeping, certificate life-cycle management, and regulator-required security artifacts.
Senior Retail Manager
Apparel LLC
Dubai
01.2015 - 01.2023
- Oversaw budgeting, pricing strategies, and KPI reporting, supporting data-driven decision-making.
- Developed and implemented pricing, promotion, and clearance strategies aligned with merchandising plans, demand trends, and business objectives.
- Ensured policy compliance and coordinated with cross-functional teams to optimize operational performance.
- Coordinated with merchandising, supply chain, and operations teams to improve sales execution, product availability, and in-store performance.
- Monitored and reported key operational KPIs, including sales performance, customer trends, inventory turnover, and productivity, providing actionable insights to senior management.
Assistant Store Manager
Alshaya Co. LLC
Dubai
01.2012 - 08.2015
- Handled sales transactions, cash, and inventory control in compliance with operational policies.
- Processed credit/debit cards, vouchers, gift cards, cash, discounts, and refunds accurately as per established procedures.
- Managed incoming and outgoing inventory, ensuring accurate control against GTNs, and timely stock replenishment.
- Supported daily store operations and implemented loss prevention measures to reduce shrinkage.
Team Leader - ADC
Meezan Bank Limited
Pakistan
01.2006 - 08.2011
- Led day-to-day banking operations as Team Leader, managing monthly shift rosters, workforce coverage, and agent productivity reports to ensure operational continuity and service quality.
- Managed banking operations, ATM monitoring, and batch processing, ensuring compliance with SOPs, risk controls, and regulatory requirements.
- Performed real-time transaction monitoring and verification via NIMBUS, supporting fraud detection, transaction integrity, and operational risk mitigation.
- Conducted call quality assurance reviews and maintained AMIM and MBL MIS reports, ensuring accurate reporting of customer leads, complaints, and operational risk indicators.
- Strengthened operational risk management through real-time transaction monitoring, incident escalation, and MIS reporting across 300+ branches.
Analyst - Service Quality
United Bank Limited
Pakistan
06.2005 - 02.2006
- Analyzed and reviewed customer complaints, contributing to the development and maintenance of a centralized Complaints Management MIS for trend analysis and reporting.
- Served as a central coordination point between internal departments, Regional Heads, and branches, to ensure timely resolution of customer issues.
- Managed President Secretariat cases across multiple banking products, ensuring adherence to regulatory timelines and service standards.
- Handled credit card transaction reversals, including the assessment and reversal of late payment charges through CRM systems.
- Utilized the VECTUS complaints analysis system to enhance complaint evaluation accuracy, root-cause analysis, and resolution efficiency.
- Coordinated with the High Dispute Authority (HDA) for the resolution of ATM and card-related disputes, ensuring compliant and customer-centric outcomes.
Education
Bachelor of Science - Computer Science
ALLLAMA IQBAL UNIVERSITY
Pakistan01.2006
High School Diploma -
S.M SCIENCE COLLEGE
Pakistan01.2003
Skills
- ESB administration and integration (REST APIs)
- Python scripting and automation
- Git (version control) and Docker (containerization)
- AWS SageMaker (basic ML/deep learning)
- API integration
- Customer relationship management
- KPI reporting
- Team leadership
- Project management
- Regulatory compliance
- Operational monitoring
- Business intelligence
- Compliance analysis
Contact
Cell : +92-333-2128964
WhatsApp - UAE: +9715-55-4589965
Projects
Feasibility Report on Network Research & Thesis on ISP Networks Python Short Projects ML/DL Short Projects
Languages
English
Upper Intermediate (B2)
B2
Urdu
Native
Native
Arabic
Beginner
A1
Russian
Beginner
A1
Certification
Certificate in Artificial Intelligence
License
Valid UAE driving license -2027
References
References available upon request.
Timeline
Manager - Digital Banking
Bankislami Pakistan Ltd
03.2023 - Current
Senior Retail Manager
Apparel LLC
01.2015 - 01.2023
Assistant Store Manager
Alshaya Co. LLC
01.2012 - 08.2015
Team Leader - ADC
Meezan Bank Limited
01.2006 - 08.2011
Analyst - Service Quality
United Bank Limited
06.2005 - 02.2006
Bachelor of Science - Computer Science
ALLLAMA IQBAL UNIVERSITY
High School Diploma -
S.M SCIENCE COLLEGE