Kamran Khan, Product Manager in Dubai, United Arab Emirates
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Kamran Khan

Verified Expert  in Product Management

Product Manager

Dubai, United Arab Emirates
Toptal Member Since
November 29, 2021

Kamran is a technology consultant with 17+ years of experience, specializing in banking, fintech, and eCommerce. He's a seasoned product and program strategist and expert on delivering complex enterprise-grade B2B and B2C bespoke solutions for startups and enterprises by consulting directly with the engineering teams. Kamran is a skilled and well-rounded leader driven by results and exceeds client expectations by turning pain points into new market opportunities.

Project Highlights

Open Banking API Marketplace (SaaS B2B)
Created the pitch deck and delivered MVP for a fintech startup that quickly connected banks and third parties for a $48 billion potential target market.
Tipping Mobile App for Workers and Tip Givers
Helped an early-stage startup to deliver a high fidelity prototype along with a robust usability testing plan of approach, catering to exploding $1.3 trillion US gig economy and 53+ million workers.
Digital Transformation of Manual to Electronic Payments
Transformed banking transactions (payments and cheques) from manual to electronic. As a result, it is used by 25000+ corporates with 99% transaction volume completely moved digital. An urgent requirement due to COVID-19 and minimizing touchpoints.


Work Experience

Chief Product Officer

2021 - PRESENT
Bankableapi Marketplace
  • Researched the market gap and designed an open API marketplace that connects banks with third parties quickly, for banking industry with $8T market cap.
  • Developed the business development plan, financials for a potential $48 billion total available market.
  • Led a team of 6 to organize design thinking workshops, built prototype, develop data-story driven investor pitch deck, competition analysis, GTM strategies, social presence, and brand awareness.
  • Contributed to the system architecture and application design, leading to MVP, pricing models, and marketing plan.

Product Innovation & Implementation Leader

2013 - PRESENT
  • Helped over billion dollars business sizes through product development and solution implementation, such as General Motors, Etisalat Telecom, Etihad Airways, Mitie Facilities Management, Ravago Chemicals, Serco Group, Vitol, and China State.
  • Delivered 15+ products using rapid development and design thinking with Lean and Agile methodologies, including retail and corporate internet banking, mobile banking, cash management, liquidity, trade finance, and various payment rails.
  • Managed the development of product, roadmap, and GTM; led the implementation and processes around the payment systems using various payment rails.
  • Wrote detailed user stories (including API specs for endpoints) and ran backlog grooming sessions, daily stand-ups, product demos, and retrospectives with the teams, working with scrum teams in 2-to-3-week sprints.
  • Implemented the middleware switch, ATM controllers, ADC, POS, EFT, payment systems, and certifications with several card schemes for the issuers and acquirers.

Managing Director

2020 - 2021
alladitta Marketplace PVT LTD
  • Created the business plan, investor pitch deck, go-to-market strategy, and B2B and B2C seller pitch deck and demo.
  • Hired and worked with to establish and document a clear product vision and value proposition before raising investment.
  • Strategized and implemented an automated lifecycle emails target to increase revenue and meet KPI; prioritized website development, vendor modules, marketing, and customer support initiatives.
  • Led the design of landing and product pages with a recommendation engine during the checkout step; implemented Google Analytics, Facebook, Instagram Pixel, and other setups to ensure brand awareness and customer growth.
  • Optimized eCommerce user funnels through iterative landing page improvements and persona-driven marketing to increase sales conversions.
  • Built and executed the company product strategy from ideation to iteration stages as a core member of the executive leadership.
  • Developed and maintained a product roadmap for site updates.

Product and Program Manager

2011 - 2013
VeriPark Companies
  • Developed and delivered products of over $100 million to six largest wholesale, retail, and commercial banks in the Gulf region, such as: Barclays, Dubai Bank, Gulf International Bank, First Abu Dhabi Bank.
  • Hired & mentored four cross-functional teams in multiple locations across Turkey, Egypt, Qatar, and United Arab Emirates having 22 people with 4 direct reports.
  • Delivered financial services products for banks and financial institutions for payments, collections, and utilities.
  • Promoted to the program manager to handle seven complex projects with four large banks in GCC.
  • Contributed to pipeline and revenue increase by participating in and coordinating the demand generation activities, including demos, POCs, training, seminars, presentations, customer workshops, tradeshows, and company events.
  • Developed and implemented the products for various handheld devices in retail internet banking and retail mobile banking.
  • Used technologies such as Dynamics CRM, Cryptomathic, Oracle, Websphere, .NET, Java, ESB, SOA, SOAP, XML, REST, Misys Equation, Polaris Intellect, Temenos T24, Oracle FLEXCUBE, Sungard Ambit, Oracle Fusion, TIBCO Rendezvous, and Microsoft BizTalk.

Software Development Manager

2008 - 2010
Avanza Solutions
  • Switched middleware for one of the largest banks in Pakistan to a network of 500+ ATMs across the country for VISA and MNET with 10+ million transactions per day across the country.
  • Developed National Automated Clearing House Association (NACHA) solution for the largest bank in Bangladesh, with certification & integration with Central Bank, conducting 1.3 million transactions per day,.
  • Delivered a successful cheque clearing solution with the Central Bank for the largest finance house in Kuwait with 50,000 cheques per day from 10+ banks.
  • Implemented a range of product suites to retail banking, kiosk portal, omnichannel, alternate delivery channels (ADC), middleware, cheque clearing system, payment order system, POC solutions, and workshops within MENA and APAC region.
  • Provided the product, business, and technical knowledge to support presales activities and response to an RFI and RFP.

Lead Engineer

2006 - 2008
Assurety Consulting
  • Delivered a desktop app for mailing supply chain used by 1+ million users and 10+ million data points for United States Postal Services (USPS) using automatic mail scheduling.
  • Converted the app into API-based modules and offered subscription-based access.
  • Conducted and facilitated project activities related to requirements, scope, schedule, resources, communications, time estimation, risk, and development of business requirements documentation.

Software Developer

2002 - 2006
  • Started the commercial operations of a highly visible and widely used product at the national level mission-critical systems and power generation plants generating 340MW, under the International Atomic Energy Agency (IAEA) safeguards.
  • Collaborated closely with scientists to devise algorithms and wrote dynamic link library (DLL) and automatic tape library (ATL) modules, device drivers, and active-x controls around distributed control systems (DCS/SCADA).
  • Led the integration with multiple systems like Invensys, ABB, Honeywell, and National Instruments and implemented the core monitoring system.
  • Used technologies such as C language, Visual C++, Win32, APIs, memory flow controller (MFC), standard triangle language (STL), and network sockets programming on Windows and Linux operating systems.

Open Banking API Marketplace (SaaS B2B)


Created the pitch deck and delivered MVP for a fintech startup that quickly connected banks and third parties for a $48 billion potential target market.

Bankable API Marketplace is an open banking API aggregator marketplace connecting banks with third-party service providers to embed financial products in their offerings. It is a unified, high-throughput, and low-latency platform with low cost and fast time-to-market.

The aim is to bring open banking to the mainstream by providing rapid, open banking compliance, minimizing cost and time to market, retaining and expanding the bank's customer base by creating new revenue streams, and meeting the growing demand for embedded financial products.

The achieved results:
• Plug-and-play bank API mapping
• Enabling third parties to embed APIs in their offerings
• Low-code and no-code integration without the need for coding and development skills
• New revenue streams, containing and expanding the customer base
• Standardization and multiple jurisdictions

SaaS-based B2B2C eCommerce Platform


Delivered an eCommerce marketplace as web and app, a multi-vendor platform of a potential $50 million revenue in Pakistan.

alladitta.com marketplace is an online SaaS multi-vendor marketplace (B2B2C) that lets people and businesses sell products locally and internationally. It allows sellers of different types, such as individuals, SMEs, and large manufacturers, to sell products online and increase their market reach.

The product caters to vendors/sellers, home-based sellers, corporate companies (cotton, leather goods, spices, textiles, etc.), fulfillment services providers, delivery/riders, free riders with motorbikes (uber based) with verified access, courier/delivery companies, buyers/consumers, and people or companies who buy product/services.

Product features included warehouse and inventory, unlimited product customization, Amazon-like seller central, sales, promotions and discounts, quotations for wholesale purchases, bulk product import, export and integration, live chat, groups and staff, bundled products, inquiry manager, shipment tracking, composite products, notifications, access control, bulk stock manager, store radius search, catalog, product variations, ledger book, and more.

Tipping Mobile App for Workers and Tip Givers

Helped an early-stage startup to deliver a high fidelity prototype along with a robust usability testing plan of approach, catering to exploding $1.3 trillion US gig economy and 53+ million workers.

This app provides the ability to conveniently make tips/gratuity payments directly to app-based workers and leverage tip payments into exceptional service outcomes.

As a mobile application product management consultant, I:

• Provided consulting and ongoing advice to manage the company about the mobile app and deal with the engineering and development teams.
• Coordinated each stage of the mobile app development process and provided insights and advice where necessary.
• Analyzed the mobile app project and understood the effort, cost, duration, and size required.
Assisted and advised management in developing and adopting a project plan that can be reasonably understood by management of the company, including work breakdown schedule (WBS) and project schedule.
• Established the nature and tone of the relationship between company management and its outside development team on key communications.
• Created key performance metrics, risks, indicators, and goals.
• Highlighted future risks and mitigation strategies.

Reddit Feature Request Pitch Deck


Delivered new revenue streams via product-market-fit expansion.

Built, advised, and restructured design, product, and marketing teams to enable the next stage of growth. Identified tech to enable faster MVP delivery of 100+ mobile screens, cutting development time to half.

Electronic Funds Transfer Web Portal (B2C and B2B)

Led the development and implementation of internet banking solutions for retail and corporate banks generating over $100 million in revenue and more than 5 million users.

As a program manager, I led the engineering teams to develop and implement internet banking solution for retail and corporate banks in the MENA region (Qatar, Bahrain, Saudi, Kuwait, and Oman).

My responsibilities included:

• Manage accounts: funds transfer SWIFT MT940, prepaid/postpaid card payment, bill payment, beneficiary, channel enrollment, special instructions, campaigns, back-office: user management, logs, maker/checker (Non/STP), limit management, future dated service and standing instructions.
• Included various devices, such as BlackBerry, Android, iPhone, iPad, and Symbian.
• Managed budgets and revenue and implemented project plans, tasks, deliverables, accountabilities, and milestones.
• Owned end-to-end project lifecycle, from kickoff to go-live/closure, implementation, execution and control, integration, data migration, SIT, UAT, and support.
• Introduced organizational processes, policies, resourcing, risk management, change management, issue management, stakeholder management, vendor management (4+ in a project), and partner management.
• Helped increase revenue retention by enhancing and aggressively pursuing integrated customer relationships resulting in decreased customer cancellation requests.

Retail eCommerce Marketplace (B2C)

Delivered a successful cosmetics and beauty business in the United Arab Emirates.

Veena Hussain Cosmetics is a marketplace for cosmetics and beauty products that went from 0 to 5,000 users, 10,000 email subscribers, and more than 20,000 unique visitors per month in the first two years.

Profitable from the beginning, the business grew 30% in the second year.

I delivered everything from scratch, from concept to market validation, user journeys, feedback, research, UI/UX design, product and project management, development, deployment, distribution, and operations.

I also focused on process design and specification for the development team, inbound marketing campaigns, branding, customer support, content marketing, search engine optimization (SEO), and social media marketing.

Corporate Internet Banking Portal


Spearheaded the product discovery to delivery of the payment and trade finance platform, an electronic banking solution for large and medium corporates. The product generated more than $10 million per year and was deployed across five regional banks.

The corporate and wholesale internet banking platform was a leader in the Middle East, with more than 20+ million users.

Functionalities included:
• Corporate authorization, corporate enrollment, cash management, trade finance services, letter of credit (export, import, inquiry), guarantees, document collection (inward and outward), and shipping guarantee.
• Wealth management, customer portfolio, and customer assets.

• Led the teams to ensure functional requirements were gathered, documented, signed off by stakeholders, and translated into Stories.
• Created project status reports and accurately tracked and managed project issues and risks using the RACI matrix.
• Participated in several pre-sales activities and helped assess sales success and overall cost factors.
• Mentored the team to deepen the knowledge of the business solution portfolio and provide extreme quality solutions at par with market competitors.
• Managed the engineering teams to develop and implement solutions that included integrations with core banking (Equation, Phoenix, T24), middleware (BizTalk, Fusion, Tibco), hardware security module (Thales HSM, Cryptomathic), signature management system, SMS banking, web app, and mobile banking.

Payment Systems Implementation (B2B)


Financial messaging product and services integration and implementation for over a billion dirhams for business-sized corporate clients in Europe and the Gulf region such as Serco, Etisalat, National Drilling, MITIE, Ravag, General Motors, etc.

As a product and program manager, I:

• Led teams to deliver and implement a wide variety of payment, liquidity, and collection systems with a global client portfolio.
• Developed and implemented large and complex local and global solutions and acted as primary focal point and owner of all activities, including payment business.
• Acted as an SME to close product gaps, streamline processes, and identify market and competition trends and customer demands.
• Explored and delivered client working capital/treasury requirements, devised solutions around a product offering, managed client relationships, and acted as a trusted adviser.
• Translated requirements into formal agreements/contracts, driving the efforts to client acceptance.
• Coordinated with business partners, managed ambiguity and moving targets, delivered within a timeline, and expected testing and quality.
• Managed clients, engineering teams, internal teams, vendors, and subcontractors and implemented these partnerships to address business opportunities.
• Engaged in design thinking workshops, proofs-of-concept, and effectively communicated technical answers.
• Conducted post demo feedback and ensured effectiveness within the compliance/regulatory bounds.

Bank's Branch Automation Software


Successfully delivered retail banking for web and mobile native apps for a regional bank with 64 branches, 140 ATMs and CDMs, 900,000 retail banking customers, and $25 billion in assets.

I was the program manager leading and delivering a vast and complex product of the bank's branch automation system.

The product consisted of a customer-centric software solution with a centralized view of the bank's customer, one software package, customer-centric vs. transaction-oriented views, and a multi-channel web-based architecture.

Functionalities included:
• Back office for the bank's branch, including cash handling, cash movement, and administration.
• Teller operations like account inquiries, transfers, payments, and cash in and out reports.
• Bank products seller role, including enrollment, service requests, account origination, and finance origination.
• Financial advisor consisting of wealth management, financial planning, and advisory services.

Significantly reduced the turnaround time (TAT) for payroll accounts provisioning and decreased errors in know your customer (KYC) standards and compliance.

Western Union Remittance Portal


Coordinated ideation and launch of the white-labeled Western Union portal to cater to over two million non-banking customers and make international remittances of more than $120 million monthly.

I led the team to ideate functionalities such as low-value salary cardholders, sending money, and customer services using Western Union remittance APIs.

Also, developed and integrated second layer authentication, access rights management, log in using a PIN pad, a signature pad, and card integration for PIN verification.

Finally, I added API calls to display card list, card detail, card activation, last transactions, block and unblock PIN activation services, and integration with SharePoint.

Automated Image Cheque Clearing System (ICCS)


Oversaw the creation and delivery of an automated Image Cheque Clearing system for the largest finance house in Kuwait. Real-time integration with Central Bank and 22 local and international banks, clearing transactions up to 8+ billion KWD annually.

As a software development manager, I automated the inward and outward cheque clearing process for Kuwait's largest financial house, a semi-government entity.

• Implemented various integration points, including NCR iTRAN Cheque Scanner machine, signature management database, Phoenix core banking system, Loan Application, etc.
• Contributed to pipeline and revenue increase by conducting demand generation activities, including customer workshops, tradeshows, and company events.
• Developed business vision and functional decomposition, requirements capture, and process modeling.
• Led the team to understand and work with the business and technology owners with strategic question-based selling skills.

USPS Mailing Supply Chain Automation Software


Delivered automated software for top USA mailing giants RR Donnelley and Quebecor integrated with USPS having $6 billion revenue. Achieved IDEAlliance Mail.dat®, TM, PostalOne!®/FAST certification in a short time.

Responsible for leading a team of four, from ideation to delivery, to create an automated mail scheduling software integrated with United States Postal Services (USPS) around mail delivery, pickup, and dropshipping.

Functionality included:
• Automated manual appointment management and induction reporting processes.
• Creation of electronic one-time, shell, and multi-stop appointments with the USPS while providing IMcb container barcodes related to appointments.
• Creation of one-time contents in the USPS FAST system, providing planned induction date/time and facility tied to their pallets.
• Automated and streamlined business decision-making about re-directions and multi-stop time interval decisions for appointments from one facility to another.
• Reports against no shows, arrival, and closeout data.
• Links with your transportation management systems (TMS) through APIS.
• Use of agile sprints conducted analysis, architect, design, development, and release management.
• Requirements gathering, business analysis, re-engineer, provided end to end automated solution.
• Management of offshore customers in the US and onshore cross-functional teams.

Digital Transformation of Manual to Electronic Payments

Transformed banking transactions (payments and cheques) from manual to electronic. As a result, it is used by 25000+ corporates with 99% transaction volume completely moved digital. An urgent requirement due to COVID-19 and minimizing touchpoints.

As a transformation program manager, I:

• Defined and implemented digital transformation policies as part of SOPs to identify, develop, and implement dashboards and automated systems supporting effective and efficient smart working.
Supervised strategic digital advisory and subsequently took ownership for delivering and executing digital transformation initiatives.
• Executed a portfolio of digital projects and ownership of end-2-end project implementations.
• Collaborated with business heads to identify digital transformation bottlenecks and improvement opportunities and recommend innovative solutions in a consultative way, helping them translate their business objectives into digital strategies.
• Steered the program with cross-functional workstreams with creative, marketing, and product teams to launch and perpetuate.
• Communicated and negotiated priorities with IT and engineering teams, using my in-depth knowledge and experience in technical delivery processes.
• Oversaw change management, tracking, monitoring, and communicating the progress of initiatives against defined project milestones and timely escalations.

Microsoft Dynamics CRM Sales & Marketing Implemention

Helped win a deal as a technical pre-sales for Microsoft Dynamics CRM implementation.

Responsible for leading a team to implement various modules of Microsoft Dynamics CRM. This contained sales, marketing, case management, lead generation, CRM 360 and 720 dashboards, lead capture, offer box, campaign-based targeting, and pre-approved products. I was also in charge of integration with IVR call center and agent desktop (ADT) systems with Avaya.

• Worked systematically and logically to resolve problems, address opportunities, and manage relationships.
• Used mediation skills and effectively communicated with both business and technical audiences.
• Conducted training and provided consultancy to educate internal teams, customers, and partners.

Remittance and Prepaid Card Kiosk based Loyalty App

Led the implementation of POS channel to support Remittance and prepaid card solution, integrated with country switch, VISA scheme, and NCR and Diebold supported alternate delivery channels.

As a technical lead, I designed solutions and led the implementation of POS channel to support remittance and prepaid card solutions and Implemented Country/VISA switch certified Middleware, NCR, and Diebold low-level protocols NDC/DDC supported ATM and integration.

• Electronic data process of remittance-related transactions, audit, and logging reports.
• Administration of the onboard PMS and POS system.
• Integration with Oracle Fusion middleware, Temenos T24 core banking system, Payment Systems (HPS, TSYS).
• Conducted payment gateway and card scheme certifications for MNET, VISA, Mastercard, and ORIX POS.
• Provided subject matter expert consulting on alternate delivery channel (ADC), EFT-POS, gamification and loyalty applications, and PCI PA/DSS compliance standards.
1998 - 2002

Bachelor's Degree in Computer Science

Sir Syed University of Engineering and Technology - Karachi, Pakistan


Certified ScrumMaster (CSM)

Scrum Alliance


Certified Scrum Product Owner (CSPO)

Scrum Alliance


Lean Six Sigma White Belt Certification

The Council for Six Sigma Certification


Foundations in Design Thinking Certificate

Design Thinking


Amazon Web Services Cloud Practitioner

Amazon Web Services (AWS)


Certificate in Principles of Payments (CertPAY)

The London Institute of Banking & Finance


Certified Treasury Professional

Association for Financial Professionals


Information Technology Infrastructure Library (ITIL) v3



Project Management Professional (PMP)

Project Management Institute (PMI)


Microsoft Certified Systems Engineer Windows 2000 and 2003



TOGAF 8 Trained Practitioner



Microsoft Certified Professional



Microsoft Certified Technology Specialist



Zoom, Microsoft Project, Microsoft Visio, Visio, Jira, Google Docs, Microsoft Visual C++, Financial Data, Slack, Microsoft Dynamics CRM, GitHub, GitLab, Asana, Trello, Confluence, Marvel App, Atlassian, Microsoft Dynamics AX, Microsoft Web Services, Hibernate, WCF RIA Services, Toad, Subversion (SVN), Erwin, SoapUI, Oracle ERP, JD Edwards, Atlassian Suite, Figma, Lean Testing, NetSuite


Agile, Requirements Analysis, Application Architecture, Functional Analysis, Scrum, Agile Software Development, B2B2C, Agile Product Management, B2C, Agile Project Management, Business to Business to Consumer (B2B2C), Design Thinking, Domain-driven Design (DDD), Service-oriented Architecture (SOA), API Architecture, Web Architecture, Kanban, Microservices Architecture, Change Management, DevOps, Gang of Four (GOF) Design Patterns, Database Design, Usability Testing, Plugin-Based Architecture, Gamification, Six Sigma, Agile UX, Data Product Management, Marketplace Platforms, Quantitative Research


Calendly, WooCommerce, Shopify, Enterprise Resource Planning (ERP), SharePoint 2010, Win32, Heroku, SharePoint 2007, SharePoint, Solaris, Ubuntu Linux, Windows Server, Software Design Patterns, WebSphere, SAP HANA, Blockchain, Metaverse

Industry Expertise

Digital Banking, Financial Services, Marketplaces, Banking & Finance, Logistics, Energy, Financial Markets


Open Banking APIs, Fintech, Online Banking, Treasury, Cash Management, Project Management, Software Engineering, Product Management, Microsoft PowerPoint, Fintech Consultant, APIs, IT Program Management, Electronic Payments, Technical Project Management, Project Management & Delivery, Requirements & Specifications, Business Process Analysis, Systems Analysis, User Interface (UI), Payment APIs, Project Planning, Business Transformation Program Management, Project Timelines, Requirements, Scope of Work, Project Scheduling, Project Delivery, International Payments, IT Projects, Financial Systems, Program Management, IT Project Management, Mobile App Development, Scheduling, Product Enhancement, Website Redesign, Scope Management, Product Analytics, Project Scoping, Estimation & Planning, Coaching, Project Tracking, Single Sign-on (SSO), Client Relationship Management, Access Control, Stakeholder Interviews, Specs, Product Lifecycle Management (PLM), Planning, Conceptual Design, Certified Project Manager, SaaS, Trade Finance, IT Service Management (ITSM), Software Development Management, Miro, B2B Product Management, WordPress, eCommerce, Payment Networks, Product Roadmaps, Product Owner, Minimum Marketable Product (MMP), Pitch Decks, C#, SQL, C, Web Services, Solution Architecture, Use Cases, Business Analysis, Presales, Banking Infrastructure, System Integration, Digital Transformation Program Management, XML, XSD, Software Architecture, Electronic Data Interchange (EDI), Middleware, Discovery Workshops, Windows, Digital Payments, IT Consulting, System Architecture, Technical Design, Startups, Go-to-market Strategy, B2B, Product Launch, Product Development, Financial Software, Product Strategy, Technical Product Management, Minimum Viable Product (MVP), User Stories, Business Technology, Finance, Finance APIs, Product Ownership, Software as a Service (SaaS), System Requirements, Product Requirements Documentation (PRD), Business Requirements, Software Requirements Specifications (SRS), Technical Requirements, Process Improvement Project Management, Stakeholder Management, Business Strategy, Team Leadership, Customer Experience, Technology, Online Payments, Research, IT Business Analysis, Innovation, Management Consulting, Technology Strategy & Architecture, New Products, Technical Business Analysis, Technical Writing, Documentation, Business to Consumer (B2C), New Product Development, Feature Backlog Prioritization, Integration, Market Research & Analysis, Business to Business (B2B), Market Research, Design, Release Management, Customer Success, Customer Service, Client Relations, Process Mapping, Commercial Banking, Customer Relationship Management (CRM), Enterprise Software, Early-stage Startups, Feasibility Studies, Web & Mobile Applications, Presentations, Communication, Negotiation, Estimations, Feature Roadmaps, Cross-functional Team Leadership, Sensor Data, Business Cases, Market Fit, Market Strategy and Research Product Manager, Artificial Intelligence (AI), Wealth Management, Data-driven Dashboards, Databases, Financials, Know Your Customer (KYC), Vendor Selection, Web Platforms, Competitor Analysis & Profiling, Best Practices, Global Operations, Operational Risk, Digital Production, Data, Data Management, Voice of the Customer (VoC), Analytical Thinking, Process Ownership, Scope, Investment Banking, Web App Development, Internationalization, Localization, Financial Forecasting, Data Analytics, Market Research Analyst, Amazon Web Services (AWS), Cloud, Supervisory Control & Data Acquisition (SCADA), Card Payments, Collection, JavaScript, Python, Java, Crypto, Distributed Ledger Technology (DLT), PCI DSS, ISO 8583, Payment Gateways, Channel Management, MVP Design, Proof of Concept (POC), Swift, Embedded Finance, PHP, MySQL, SQL Server Management Studio (SSMS), SOAP, JSON, Ajax, Mobile Wallet, Agile DevOps, Data Transformation, Digital Transformation, Design Workshops, Investor Presentations, Software Development Lifecycle (SDLC), Windows Services, Linux, OpenAPI, Open Finance, Open Data, Plaid API, Pitch Deck Consultant, Product Strategy Consultant, Software Consulting, Startup Consulting, Lean Project Management, Digital Marketing Product Manager, MERN Stack, Sales Pitches, Pitch Presentations, Google Cloud, ISO 20022, .NET, Visual Studio, BizTalk, API Integration, Offshore Team Management, Distributed Team Management, ASP.NET, Mobile, SMS, C#.NET, Enterprise Design, Mobile UX, SQL Server Reporting Services (SSRS), SaaS Product Management, Ionic, Android, Web Security, WordPress Plugins, Amazon, Vendor Management, Consumer Behavior, Analytics, Digital Marketing, Social Media, Prototyping, Roadmaps, User Experience (UX), Feature Prioritization, Growth Strategy, Startup Growth Strategy Development, Mobile Apps, Mockups, Decentralized Finance (DeFi), Web Product Management, User Requirements, Functional Requirements, System Design, Consulting, Business Consulting, Technology Consulting, Process Improvement, PCI/PA-DSS, Software, IT Services, People Management, Strategy, Product Discovery, Feature Planning, Product Planning, VUCA, Process Innovation, Agile Leadership, Automation, Operations, Pricing Models, Web Portals, Technical Consulting, Process Documentation, Technical Documentation, Digital Product Management, Product Design, Product Development Manager, UI Design, UX Design, Wireframing, Notion, App Development, Web Development, Mailing, Mobile Applications, Chief Product Officer (CPO), Two-sided Marketplaces, Product Engineering, Team Building, Business Transformation, RESTful Microservices, Business Process Management (BPM), Technical Analysis, Business Process Automation, User Interviews, Budgeting, Risk Assessment, Request for Proposal (RFP), Marketing, Target Operating Models, Operating Models, Business Design, Business Architecture, Enterprise Architecture, Process Design, Innovation Strategy, Organizational Structure, Design Strategy, Ideation Workshops, Workshops, UX Workshops, Open Source, User Feedback, User Journey Maps, User Research, Enterprise, User Journeys, TOGAF, User Validation, Customer Discovery, Monetization, Monetization Models, Collaboration, Digital Advertising, CTO, Business Planning, Business Plan Consulting, Business Models, Enterprise Systems, C++, Socket Programming, Networks, Distributed Computing, Software Development, Deployment, Control Systems, Microsoft SQL Server, .NET 4, Web, PostgreSQL, MariaDB, JSON API, REST APIs, Online Shops, Credit Cards, Credit Card Processing, Accounting, eCommerce Payments, Mobile Payments, SQL Server 2008 R2, Business Rules Engine, IIS, Team Mentoring, Mentorship & Coaching, Payroll & Benefits, Financial Statement Preparation, Accounts Payable, Oracle Fusion Applications, Phoenix, Temenos T24, Hardware Security Modules (HSMs), RFPs, RFQs, ITTs, Responses, Proposals & Quotes, RFQ, ASP.NET MVC, DTD, HTML, CSS, iOS, Symbian, SQL Server 2008, Consumer Loans, Enterprise Application Integration (EAI), Product Delivery, Agile Sprints, Oracle, ERD, Authentication, Remittance, Web UI, Cheque Clearing, Bank Transactions, Money Transfers, ACH, Reporting, Scanning, Full-stack, USP, Postal Delivery, Courier, Delivery, Human to Human (H2H), SAP, Client Portals, SFTP, PKI, PGP, Encryption, 3D Secure, Two-factor Authentication (2FA), RSA, Service-level Agreements (SLA), Token Service Providers, Gig Economy, Maze Design, Key Performance Indicators (KPIs), P2P, Peer-to-peer Networking, PILOT, User Onboarding, Hypothesis Testing, UsabilityHub, Unmoderated Remote Usability Testing, Usability Engineering, Remote Usability Testing, Qualitative Research, Quantitative User Research, User Surveys, Survey Development & Analysis, A/B Testing, Focus Groups, Scaling, Conversational Design, Chatbot Conversation Design, UX Branding, PSD2, Game Theory, Realtime, Transformational Leadership, Agile Transformation, Migration, Data Migration, Data Integration, Cross-functional Collaboration, Cross-cultural Management, Rapid Application Development (RAD), Training, Integration Testing, Software Integration, Interactive Voice Response (IVR), Loyalty Programs, Hardware Integration, Enterprise Integration, Market Assessment, Growth Marketing, Conceptualization, Backlog Management, Ideation, Sprint Planning, B2C Marketing, Go-to-market Plans, User-generated Content, Product Comparison, Supply Chain Management (SCM), Warehouse Management, Supply Chain, Data Aggregation, Inventory Management Systems, Financial Accounting, Lean, Lean Six Sigma, Lean UX, Business Intelligence (BI), Data Warehouse Design, Data Visualization, Data Analysis, Web 3.0, Blockchain & Cryptocurrency, User Acceptance Testing (UAT), Quality Assurance (QA), QA Test Plan Management, Backlog Grooming, Enterprise SaaS, Data Product Manager, Lean Startups, Lean Product Manager, Internet of Things (IoT), Hardware, Monitoring, Financial Modeling, Revenue Strategy, Data Privacy, International Finance, Open Rules Engine, Node.js, Conversational Commerce, React, Generative Pre-trained Transformers (GPT), GraphQL, ChatGPT, Continuous Improvement, Conflict Resolution, Servant Leadership, Direct to Consumer (D2C), Quantum Computing, Writing & Editing, Cloud Services, Marketing Automation, Customer Service Management (CSM), Digital Signage, Predictive Modeling, Predictive Analytics, App Product Management, IoT Protocols, Cryptocurrency, Machine Learning, Forex

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