Tajdar Haider
Digital Banking Specialist
Karachi,SD
Summary
Objective-driven professional with a proven track record of over 15 years in Digital banking having a current responsibility of working as a Senior Manager in Product development - Digital Channels. Skilled in driving successful digital strategies, managing cross-functional teams, and delivering exceptional results. Seeking a challenging role in a dynamic organization to leverage expertise in digital product management, Portfolio management, Project management, product development, customer experience, and data-driven decision-making to drive business growth and enhance customer engagement.
Overview
16
16
years of professional experience
3
3
years of post-secondary education
Work History
Senior Manager, Digital Channels
Habib Bank Limited
Karachi
05.2022 - Current
- Responsible for leading the Digitization journey of HBL; with its digital Channels portfolio - HBL Mobile App, Internet Banking & Conversational Banking platforms (WhatsApp & Facebook Chatbot
- Built a solid customer base through Digitalization by leveraging the various Digital channels supporting Consumer Banking Products; Credit Cards, Debit Cards, Financing products & Bancassurance
- Deliverables & Achievements:
- Launched various Card Management services including Apply for Credit Card, Card Replacement, Limit Enhancement, Card Activation & Blocking, E-Commerce enablement/disablement, international usage enablement/ disablement, E-Statement subscription and much more
- Launched & managing a new channel for the Bank: Conversational Banking, under its umbrella adding
- WhatsApp (b) Bot platforms to expand reach of HBL Digital Channels
- WhatsApp Business as banking channel serves over: '300,000' recurring monthly users in just 1.2 Years from its launch in 2022 till date
- First bank to launch 'Dark Mode' feature for Mobile App to add 'Lifestyle' options for HBL Customers: with over 300K users converting App theme to 'Dark' mode
- Sunset Internet Channels to converge customers from 5 out of 6 countries to their respective HBL Mobile Apps
- Successfully Managed RDA Initiatives: (a) Roshan Digital Account Opening, Donation, Secured Car Loan & Credit Card & Qurbani etc.
- Launched customer segmented Login for HBL Prestige & Islamic Customers to cater to the category of the customers with their own unique product suite
- Integrated & launched Jazz Mobile Bundles Packages (first Bank in Pakistan)
- Raast Payment Services for Instant Payments via Mobile & Internet Banking
- Islamic Banking App (standalone) - for HBL Islamic Customers
- Product, Service Channels (ATMs & CCDMs)
Product Head - Self Service Channels
Meezan Bank
Karachi
07.2019 - 04.2022
- Deliverables:
- Managed the Country wide ATM network of 1,000+ ATMs & CCDMs
- Launched Debit Card activation through ATMs
- Implemented the blockage of Fallback transactions on Debit cards
- Managed the Risk of unauthorized Debit card transactions by implementing Skim guard service
- Lead the ATM Monitoring team & implemented innovative monitoring techniques to optimize ATM performance
- Launched Cash Deposit Functionality through CCDM with industry wide Cash deposit facility
- Integrated with multiple Fintech for enablement of ATM services for their customers
- Conceptualized & presented the 1st ATM Monitoring Mobile App of the industry
- Impact & Achievements:
- Elevate ATM network to Top 2nd position from 7th in a span of just 2.5Years
- Captured the Off-Us market share of 10.5% with an ATM network of 5.5%
- Experienced substantial Revenue growth from 205Million to 365Million in 2Years
- Managed the Lowest Industry ATM Downtime from 3.5% to 1.3% in the Year 2022
- Total ATM Network = 1,000
Head - Debit Card Business
BankIslami Pakistan Ltd
Karachi
01.2017 - 06.2019
- Managed the Debit card portfolio of 500K+ customers
- Coordinated with Payment schemes (Visa, Mastercard, UPI) for new Card product propositions
- Implemented the concept of customer loyalty by offering discounts on leading brands
- Lead the Re-carding activity & introduced New Card designs
- Lead the Debit Card certifications with 1Link & International Payment schemes
- Managed the Debit card cross sell through Branch network through monthly Sales campaigns
- Collaborated with MasterCard worldwide to launch Titanium Card variant for High net-worth customers
- Impact & Achievements:
- Managed the Revenue growth of 270% in a span of 2 years from 92Million to 360Million
- Launched Multiple discount campaigns to increase the POS usage
- Build a solid cross sell Performance dashboard to monitor the Sales of Distribution network
- Launched Titanium MasterCard for Premium customer segment in 2018.
Product Manager - Debit Cards
Meezan Bank Ltd
Karachi
04.2013 - 01.2017
- Managed the Debit card portfolio of 1Million customers of multi-international payment scheme’s cards (Visa & MasterCard)
- Constantly monitor the Card Sales & achieved year on year Business revenue targets
- Managed the revenue line of 550Million from Debit card products
- Strengthened the Titanium Card proposition by partnering with Top brands for exclusive discount offers
- Managed the Debit Card discount & Alliances program
- Witnessed the significant growth of E-commerce transactions after implemented the 3D Secure service
- Increased the Debit card penetration through Branches via Cross Sale campaigns
- Built a strong card product portfolio for the Retail customers with proper customer segmentations (Visa Classic, Visa Gold, MasterCard Titanium & Visa Platinum) Impact & Achievements:
- Launched 1st Chip based Dual interface Titanium Debit card in collaboration with MasterCard worldwide
- Launched 3D secure service for E-commerce enablement on Debit cards
- Experienced the Revenue growth of 231% in a span of 3Years
- Implemented Fractals & VRM (Visa Risk Manager) for Realtime monitoring & decisioning based on Risk scoring
- Launched MasterCard Money-Send for Inward Remittances
- Head – Client Services (South Region)
Head - Client Servicing South
GMC Marketing
Karachi
08.2012 - 03.2013
- Managed multinational accounts including Unilever & Mobilink for Outdoor Media marketing
- Executed the Marketing campaigns Nationwide within a short deadline
- Executed the concepts of object branding, Van branding & other mediums.
Assistant Manager
United Bank Limited
03.2012 - 07.2012
- Managed the Cards portfolio of Debit & Prepaid Wiz
- Introduced the Debit & Prepaid Card Cross sell campaign through Nationwide branch network and increased the numbers by 18%.
- Executed the marketing campaigns for the Premium Segment
- Launched Go Green SMS Service for Retail customers.
- Developed loyal and highly satisfied customer base through proactive management of team customer service strategies
- Developed strategy to increase Card cross-sell and drive profits
Team Lead
MCB – Credit & Commerce Consultant Pvt Ltd
05.2008 - 03.2012
- Target the Credit Card customer segment for the Cross-selling value-added products including Installment plan, Pay-orders, SMS Alerts, Credit Shield etc
- Managed the Customer retention & support Credit Card Business team to achieve revenue targets
- Managed the Cross-sell product team with an annual revenue of 100 million+
- Lead & Coach the cross-sell technics & conduct product training sessions
- Built a team of 30 specialized Cross sell staff to attain maximum output
- Managed the cross-sell Credit card & ADC product including Installment plan, Pay-orders, SMS Alerts, Credit Shield etc.
- Coached team members in techniques necessary to complete job tasks
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with cross selling skills
- Mentored and guided employees to foster proper completion of assigned duties
- Communicated KPIs outlined in annual plan to inform employees of expectations and deliverables
MIS Analyst
Standard Chartered Bank - Pakistan
Karachi
03.2007 - 04.2008
- Managed the Performance Reporting dashboard and Lead distribution
- Managed the data distribution to over 50 Cross Sell executives
- Developed a Sales performance Dashboard with effective per agent performance monitoring
- Increased the Cross-sell conversion by 10% through effective data distribution
Education
Master of Administrative Sciences (MAS) - Public Administration, Management
University of Karachi
Karachi 01.2015 - 06.2016
Post Graduation Diploma - Administrative Sciences
University of Karachi
Karachi, SD 01.2012 - 06.2013
Profitable Card Management Certification -
MasterCard Learning School
DubaiMigrating To Chip -
MasterCard Learning School
Dubai 04.2001 -
Skills
Product development
undefinedTimeline
Senior Manager, Digital Channels
Habib Bank Limited
05.2022 - Current
Product Head - Self Service Channels
Meezan Bank
07.2019 - 04.2022
Head - Debit Card Business
BankIslami Pakistan Ltd
01.2017 - 06.2019
Master of Administrative Sciences (MAS) - Public Administration, Management
University of Karachi
01.2015 - 06.2016
Product Manager - Debit Cards
Meezan Bank Ltd
04.2013 - 01.2017
Head - Client Servicing South
GMC Marketing
08.2012 - 03.2013
Assistant Manager
United Bank Limited
03.2012 - 07.2012
Post Graduation Diploma - Administrative Sciences
University of Karachi
01.2012 - 06.2013
Team Lead
MCB – Credit & Commerce Consultant Pvt Ltd
05.2008 - 03.2012
MIS Analyst
Standard Chartered Bank - Pakistan
03.2007 - 04.2008
Migrating To Chip -
MasterCard Learning School
04.2001 -
Profitable Card Management Certification -
MasterCard Learning School
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