Available to hire
I’m a transformational and intrapreneurial leader with ~24 years of progressive experience in BFSI and ITES, specializing in digital business models, MarTech & marketing solutions, go-to-market strategies, eco-system design, and customer acquisition. I’ve built and scaled cross-functional teams, established governance frameworks, and delivered large-scale digital and business transformations across APAC, MEA, and LATAM. I’m passionate about customer retention, advocacy, and turning complex stakeholder environments into aligned, action-oriented programs.
I thrive in high-velocity environments, translating strategic insight into differentiated growth plans and measurable outcomes. My approach centers on mentorship, collaboration, and data-driven decision-making to drive revenue, optimize operating efficiency, and elevate customer experience—from bottom-line impact to high-trust partnerships with clients and vendors alike.
Skills
Experience Level
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Intermediate
Intermediate
Beginner
Language
English
Fluent
Hindi
Advanced
Bengali
Advanced
Marathi (Marāṭhī)
Advanced
Arabic
Advanced
Sindhi
Intermediate
Kannada
Beginner
Work Experience
Senior Manager – Loyalty Marketing & Advocacy at SAP
June 1, 2016 - June 1, 2024Led loyalty marketing and advocacy programs across APAC & Japan, overseeing multi-million initiatives, shaping strategy, driving customer lifecycle programs, and coordinating cross-functional teams. Implemented governance, risk mitigation, and P&L management; expanded SAP's loyalty portfolio in APAC/Japan; collaborated with C-level stakeholders.
International Outsourcing Controller at PayPal
June 1, 2015 - May 1, 2016Managed outsourcing control across EMEA, APAC & LATAM; led vendor onboarding improvements impacting 200+ markets; drove global vendor consolidation and insourcing strategies.
Business Leader – Strategy & Operations (Vendors, Issuers & B2C) at MasterCard
October 1, 2012 - May 1, 2015Led strategy and operations for vendors, issuers and B2C in APAC, MEA & MENASA (APMEA); expanded bank partnerships, revamped brand positioning in MENA, and managed call-center consolidation.
Various Roles at Standard Chartered Bank | Japanese Credit Bureau | Mashreq Bank | American Express
January 1, 2000 - January 1, 2012Early-to-mid-career roles across multiple financial institutions in the UAE, contributing to customer advocacy, risk management and operations.
Senior Manager – Loyalty Marketing & Advocacy, APAC & Japan at SAP
June 1, 2016 - June 1, 2024Led loyalty marketing & advocacy across APAC & Japan; partnered with executive leadership to formulate and implement strategic growth plans; managed P&L for multi-million programs; established governance across regional initiatives and drove digital/customer advocacy initiatives.
International Outsourcing Controller – EMEA, APAC & LATAM (Global Role) at PayPal
June 1, 2015 - May 1, 2016Oversaw outsourcing control globally; enhanced vendor onboarding across 200+ markets in Europe & Asia within 12 months; led vendor consolidation and insourcing in APAC; directed MEA roadshows and strategic alliances.
Business Leader – Strategy & Operations (Vendors, Issuers & B2C) – APMEA at MasterCard
October 1, 2012 - May 1, 2015Led strategy and operations for vendors, issuers, and B2C across APMEA; expanded leadership to 14+ banks; revamped brand positioning in MENA; steered global consolidation reducing call centers while managing APAC/MENA support.
Various Roles – UAE (Standard Chartered Bank | Japanese Credit Bureau | Mashreq Bank | American Express) at Multiple Employers in UAE
January 1, 2000 - January 1, 2012Early career across major banks and financial services players with roles spanning credit, operations, risk management and client service.
at UAE BFSI (Standard Chartered Bank; Japanese Credit Bureau; Mashreq Bank; American Express)
January 1, 2000 - January 1, 2012Early career across UAE BFSI sector with multiple financial institutions; roles spanned banking and credit operations.
Business Leader – Strategy & Operations (Vendors, Issuers & B2C) – APAC & MEA at Mastercard
October 1, 2012 - May 1, 2015Directed cross-functional strategy & operations for vendors, issuers and consumer channels across APAC & MEA. Built multi-million-dollar programs, formalized vendor management and performance metrics, and led global/regional vendor consolidation and DR/BCP initiatives. Drove growth through program design, onboarding optimization, and robust governance.
Marketing, Product & Portfolio Management – Cards & Loans at Mastercard
January 1, 2010 - January 1, 2012Expanded portfolio across MEA by pitching Mastercard’s products to merchants and financial institutions; grew wallet share with 14+ banks; repositioned brand and offerings across MEN A region; led key merchant and issuer partnerships and managed portfolio performance.
Product Leader – Vendor/Issuer Service Delivery & Experience at Mastercard
October 1, 2012 - April 1, 2014Led vendor/issuer service delivery and customer experience initiatives across APAC & MEA, defining service standards and optimizing delivery models to improve client satisfaction and operational efficiency.
Marketing, Product & Portfolio Management at Japanese Credit Bureau (JCB) UAE
May 1, 2008 - July 1, 2010Handled marketing, product and portfolio management for card and payment solutions; launched new product lines and partnerships to grow revenue in the UAE market.
AVP, Product & Co-brand Partnerships – Cards & Loans at Mashreq Bank
August 1, 2007 - May 1, 2008Led product and co-brand partnerships for cards and loans; expanded card portfolio and partner programs, contributing to portfolio growth and revenue.
Head of Merchants Fraud Prevention & Training at American Express
August 1, 2000 - August 1, 2007Directed fraud prevention initiatives for merchants, built training programs, and implemented processes to mitigate risk across the merchant network.
Tele Marketing Supervisor at Hyatt Regency
January 1, 2000 - December 1, 2000Supervised telemarketing operations, optimizing campaigns and team performance to support hotel marketing objectives.
Product Leader – Vendor/Issuer Service Delivery & Experience – APMEA at MasterCard
October 1, 2012 - April 1, 2014Led end-to-end service delivery and experience improvements for vendor/issuer programs, including onboarding, quality assurance, and customer-facing service enhancements across multiple markets in APAC, MEA, and ANZ.
Alliance & Retail Partnerships – Cards & Loans at Standard Chartered Bank
July 1, 2010 - January 31, 2012Spearheaded alliance and cobranded relationships across retail products, driving partner onboarding, portfolio growth, and cross-sell initiatives.
Marketing, Product & Portfolio Manager at Japanese Credit Bureau (UAE)
May 1, 2008 - July 31, 2010Led marketing, product strategy, and portfolio management for credit bureau solutions, shaping product roadmaps and go-to-market plans.
Head of Merchants Fraud Prevention & Training (2 Promotions) at American Express
August 1, 2000 - August 31, 2007Led merchant fraud prevention initiatives and training programs; achieved portfolio improvements and delivered governance updates across regions.
Education
Bachelor of Business Administration – Management & Marketing at University of Delaware, Newark, USA
January 11, 2030 - January 1, 2008Bachelor of Science – Computer Software at MidKent College, Kent, UK
January 11, 2030 - January 1, 2005Bachelor of Business Administration – Management & Marketing at University of Delaware
January 11, 2030 - January 1, 2008Bachelor of Science – Computer Software at Midkent College
January 11, 2030 - January 1, 2005Bachelor of Business Administration – Management & Marketing at University of Delaware
January 1, 2008 - February 6, 2026Bachelor of Science – Computer Software at Midkent College, Kent, UK
January 1, 2005 - February 6, 2026Bachelor of Business Administration – Management & Marketing at University of Delaware
January 11, 2030 - January 1, 2008Bachelor of Science – Computer Software at MidKent College
January 11, 2030 - January 1, 2005Bachelor of Business Administration – Management & Marketing at University of Delaware, Newark, USA
January 11, 2030 - January 1, 2008Bachelor of Science – Computer Software at Mid Kent College, Kent, UK
January 11, 2030 - January 1, 2005Qualifications
PMP - Project Management Professional (PMI)
January 11, 2030 - February 5, 2026Six Sigma & PME Certification
January 11, 2030 - February 5, 2026Marketing Automation Pathway - SiriusDecisions
January 1, 2017 - December 31, 2017Project Management Professional (PMP)
January 11, 2030 - February 5, 2026Six Sigma & PME Certified
January 11, 2030 - February 5, 2026Marketing Automation Pathway – SiriusDecisions
January 1, 2017 - February 5, 2026PMP - Project Management Professional
January 11, 2030 - February 6, 2026Six Sigma & PME Certified
January 11, 2030 - February 6, 2026Marketing Automation Pathway
January 1, 2017 - February 6, 2026Six Sigma Certification
January 11, 2030 - February 7, 2026PMP Aspirant
January 11, 2030 - February 7, 2026PMP Certification (PMP Aspirant)
January 11, 2030 - February 7, 2026Six Sigma Certification
January 11, 2030 - February 7, 2026Industry Experience
Financial Services, Software & Internet, Professional Services, Media & Entertainment, Retail
Skills
Experience Level
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Intermediate
Intermediate
Beginner
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