Summary
Work History
Education
Skills
Accomplishments
Timeline
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Umair Ahmed Baig

Umair Ahmed Baig

Digital Payment Strategist
Karachi

Summary

Persistent leader eager to Learn, lead and grow organizations. Skilled in strategic planning, problem-solving, and communication with good understanding of business principles, strategic planning, project management and team leadership. Collaborative with relentless work ethic.

Work History

Chief Operating Officer

Kuickpay (Innovarge Technologies Pvt. Ltd)
  • Joined in early 2023 with a vision to convert Pakistan’s leading Bill Payment Solution into preferred Bill Payment Platform
  • In 1st twelve (12) months, successfully launched Payment Platform with all available payment channels including but not limited to Cards, Accounts & Wallet based Payments along with Cross Border Bill Payment Solution backed by remittance corridors and open loop wallets
  • Provide strategic leadership and vision to all departments
  • Oversee day-to-day operations, including finance, PD, BD, HR, marketing, and customer support
  • Develop and implement operational policies and procedures to streamline processes and maximize efficiency
  • Lead cross-functional teams to execute key initiatives and objective
  • Oversee budgets, forecasts, and financial performance to achieve targets and drive profitability
  • Mentor and coach employees to foster a culture of collaboration, innovation, and high performance
  • Directed all aspects of Strategy, operations, including Merchant onboarding, Payment Processing, Settlement, and Transaction Monitoring
  • Developed and monitored key performance indicators (KPIs) to track operational performance and drive improvements
  • Collaborated with cross-functional teams to launch new products and expand into new markets
  • Negotiated contracts with suppliers and vendors to ensure favorable terms and cost savings
  • Managed a team of department heads and provided guidance and support to achieve departmental goals

Head of Business

Tapsys & RMPS
  • I have joined RMPS (Retail Merchants Payments Service) as Head of Business in October 2019 and my core responsibility was to create Merchant Acquiring Infrastructure and use cases on top of the infrastructure along with merchant network expansion and project delivery of UPI QRC project for 10k retails merchants
  • RMPS has successfully onboarded 10k QRC merchants for UPI under strategic partnership with Dubai Islamic Bank and Paysys Labs for onward launch of E-Commerce and POS acquiring infrastructure as UPI TPSP by creating a JV partnership
  • Tapsys, a joint venture of RMPS & Paysys Labs had resumed its operations in Q3 2020
  • Both entities had joined hands to bridge the gap between the Acquiring institutions and the merchants by providing them complete end to end payment solution under partnership with global payment scheme, DIB and UBL for E-Com & POS ISO partnership in 2021
  • Tapsys as Outsourcing Service Partner (OSP) of UBL & DIBPL had also partnered with leading payment enablers OPay (OP Digital - Hong Kong) & PayNet (Omega - UAE) as aggregator in 2021 to provide them way-in into Pakistani digital payment landscape
  • As Head of Business for both the Fin-techs, I was heading Business for both the entities, one was in a business of developing financial technologies and the other was engaged in the enablement and the deployment of the same
  • I translate corporate strategy into tactical plans for ensuring the goal is tactfully distributed among team members in line with the end goal and market potential

Co-Founder & Business Head

Smartchoice.pk
  • Company Overview: Smart PFM (Pvt.) Ltd (Smartchoice.pk), a Fin-tech & Pakistan’s 1st Insure-Tech based start-up engaged in the aggregation business of Insurance products in Pakistan
  • Idea was to create a Marketplace to empower consumers to buy with confidence and to increase penetration of insurance products
  • I fulfil two roles as Co-Founder & Business
  • Core responsibility was to Develop and execute acquisition strategy to scale business, optimize sales & revenue, profitability and coordinate the business operations in a manner that will help achieve valuation and investors goals
  • Smart PFM (Pvt.) Ltd (Smartchoice.pk), a Fin-tech & Pakistan’s 1st Insure-Tech based start-up engaged in the aggregation business of Insurance products in Pakistan

Group Sales Manager

UBL Fund Managers
  • To generate and maintain a profit-making investment portfolio in-order to achieve team targets & KPI’s while ensuring the significant contribution to the success of the branch, team, region and department as whole

Branch Manager

ABPL (Formerly EGIBL)
  • Joined as Relationship Manager in Retail Banking Group in 2008 and served in Corporate and Commercial area Branches in later stages
  • Key Job Responsibilities was to Generate & grow a profit-making portfolio, Deposit Mobilization in order to achieve & meet the KPI's
  • Lead & supervise all the departments of the branch communicate goals and targets and help them devise strategies to achieve the goals

Relationship Manager

Citibank N.A
  • Company Overview: Karachi, Pakistan
  • 05 Months at Citibank N.A as a Relationship Manager
  • Relationship Manager for Credit Card Department and “In – Charge “for “ATM & Financial Centers “in Karachi
  • Core responsibility was to manage a team of 15 Sales Officers & 05 Telesales Officers, at the Sales and Service Centers and to ensure the completion of KPI’s assigned by the HO
  • Karachi, Pakistan

Personal Banking Consultant

RBS (Formerly ABN AMRO BANK)
  • Worked as a Personal Banking Consultant for Personal Loan Department under Consumer Banking Division of the Bank
  • My core responsibility was to build a healthy portfolio of Personal loan primarily from mid and large size corporate entities

Education

BBA -

NICE
Karachi

Skills

Strategic Planning

Product Development

Business Strategy

Contract Negotiation

Project Management

Digital Payments

Strategic Partnerships

Digital Acquisition

Shariah Compliance

Relationship Building

Accomplishments

  • Successfully launched Pakistan's first ever mass bill payments platform via Card Payments.
  • Launch Payment Infrastructure Model with two (2) leading Commercial Banks in Pakistan.
  • Aggregation of multi-channel integrated digital payments.
  • Established a network of 12000+ merchants for the enablement of POS, QRC & E-Com.
  • Successfully managed product development of two (2) Shariah compliant digital lending products.
  • Product development of digital insurance products for Pakistan’s 1st Insurance Marketplace.

Timeline

Branch Manager

ABPL (Formerly EGIBL)

Relationship Manager

Citibank N.A

Personal Banking Consultant

RBS (Formerly ABN AMRO BANK)

Chief Operating Officer

Kuickpay (Innovarge Technologies Pvt. Ltd)

Head of Business

Tapsys & RMPS

Co-Founder & Business Head

Smartchoice.pk

Group Sales Manager

UBL Fund Managers

BBA -

NICE
Umair Ahmed BaigDigital Payment Strategist