Usman Ashraf

• Co-founded and built a Sharia-compliant BNPL (Buy Now, Pay Later) fintech startup from the ground up, launching operations in March 2022 and driving end-to-end strategy, product, and operations.
• Led core product development, collaborating closely with engineering teams to design and launch a complete financing platform enabling installment-based purchases for mobile phones, laptops, and electronics.
• Architected and executed integrations with banks and payment gateway partners, enabling seamless auto-debit repayment mechanisms via debit and credit cards.
• Pioneered the company’s initial BNPL model in fashion and apparel, and successfully led a strategic pivot to a high-impact financing model focused on mobile and electronics financing.
• Built and scaled a proprietary marketplace model, where customers directly apply for financing, undergo due diligence, and receive installment-based product financing.
• Established and managed end-to-end operations, including customer onboarding, credit evaluation frameworks, risk assessment, and repayment processes.
• Drove cross-functional execution across product, tech, partnerships, and operations to deliver a scalable, compliant, and customer-centric fintech solution.
• Played a key leadership role in shaping the company’s growth strategy, ensuring alignment with financial institutions, compliance requirements, and Sharia principles.

• Drove the digital transformation of Pakistan’s travel and ticketing ecosystem, digitizing paper-based processes across intercity buses, domestic & international airlines, cinemas, hotels, and events to create a plug-and-play, fully interconnected reservation system.
• Enabled a cashless, seamless travel experience by integrating BookMe’s APIs with mobile wallets, banking partners, and Super App payment platforms, expanding customer access and convenience.
• Expanded platform reach and transaction volume by integrating services into third-party ecosystems, unlocking new distribution channels.
• Streamlined partner onboarding, API integrations, and operational workflows, ensuring superior efficiency and user experience across multiple travel and entertainment segments.
• Oversaw cross-functional teams in a high-growth startup environment, facilitating operational scaling and supporting business strategy execution.
• Actively led and coordinated the bid preparation process for securing exclusive digital ticketing rights for the Pakistan Super League (PSL) season 6 with the Pakistan Cricket Board (PCB), ensuring all requirements, documentation, and compliance criteria were successfully fulfilled.
• Led and managed end-to-end on-ground ticketing operations during PSL match days, ensuring seamless execution of digital ticketing and smooth entry management for large-scale live events.
• Assisted the company in fundraising and growth initiatives, assisting in Pre-Series A (2019) and $7.5M Series A (2021) rounds co-led by Zayn Capital, Lakson VC, and Hayaat Global.
• Supported fundraising efforts by managing and facilitating financial and operational due diligence, ensuring accuracy and transparency of company books, records, and systems for investors during funding rounds.
  

• Managed end-to-end delivery of international tourism projects for a Dubai-based Destination Management Company, overseeing large-scale group travel operations.
• Coordinated with global clients, hotels, and vendors to execute seamless travel experiences across an international market.
• Demonstrated strong project ownership by managing timelines, budgets, and on-ground execution in a fast-paced, global tourism environment.

• Founded CarMechanic.pk, an on-demand automotive assistance platform providing home and roadside car repair and maintenance services.
• Developed a customer-centric solution enabling quick access to mechanics for breakdowns, maintenance, and emergency support.
• Introduced a vehicle tracking device to monitor performance, efficiency, and mileage, enhancing preventive maintenance capabilities.

Incubation – Plan9

• Selected for Plan9, a highly competitive startup incubation program backed by the Punjab information technology board..
• Successfully completed a 6-month incubation, receiving mentorship, business training, and investor exposure.
• Refined business model, improved go-to-market strategy, and strengthened operational scalability during the program.
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• Conducted external audits for a diverse client portfolio, ensuring compliance with financial reporting standards and regulatory requirements.
• Executed on-site audit fieldwork, verifying financial records, supporting documentation, and operational processes.
• Analyzed financial statements to ensure accuracy, completeness, and alignment with applicable accounting standards.
• Assessed internal control systems, identifying weaknesses and recommending actionable improvements.