October 2020 – January 2026

Being a part of senior leadership team at upay, driving banking service transaction volume, active customer, new banking products & services and partnership with banks/FIs.

Major Duties:

• Lead the team to promote banking products and achieve targets for Add Money, Fund Transfer, ATM Cash Out, Card Bill Payment, Payoneer, Remittance, Prepaid Card, Micro DPS etc.
• Identify market opportunities and design innovative banking products/services to meet customer needs and boost revenue streams.
• Build and maintain strong relationships with banks and other financial intuitions and fintech partners to drive business outcomes.
• New banking service onboarding through partnership.
• Manage and co-ordination of cross functional activities for product launch and business drive.
• Scout and evaluate bank/fintech partner companies for strategic partnerships to enhance digital offerings (e.g., payments, lending, wealth management).
• Negotiate and structure collaboration agreements, ensuring alignment with the company’s goals and regulatory compliance.
• Oversee integration of banking services (e.g., APIs, platforms) to improve customer experience and operational efficiency.
• Plan and execute campaigns to generate transaction volume, increase active user base and service adaptation.

Other Roles:

• Develop and implement strategies to increase business volume, targeting customer acquisition, churn back etc.
• Set ambitious yet achievable targets for retail, corporate, and banking segments to drive portfolio growth.
• Drive adoption of tech-enabled services to attract younger demographics and increase transaction volumes.
• Monitor market trends and competitor activities to position the upay’s offerings effectively.
• Business model development and feasibility analysis (ROI) to drive strategic partnership.
• Mentor and guide cross-functional teams to align with business objectives and foster a culture of innovation.

United Commercial Bank PLC, Dhaka —Manager, Alliances and Partnerships, Upay | Web: UCB

April 2018 – October 2020

Upay is a digital payment system owned by United Commercial Bank Limited (UCB), Bangladesh. Upay has been implemented to promote cashless and universal i.e. anytime-anywhere payments using mobile phones in Bangladesh. For the first time ever in Bangladesh, Upay uses the most innovative and reliable technologies like Blockchain and Quick Response (QR) Code to secure all financial transactions.

Major Duties:

• Manage strategic alliance partners and drive business plans and results of Upay strategic aggregation and cluster partners.
• Drive the strategy to deliver on Upay goals of understanding, recruiting, and advancing our relationships with the corporate bodies
• Drive senior-level and field relationships with strategic aggregation organizations and executing go-to-market plans nationally.
• Execute strategies and programs that drive top line revenue growth and overall market adoption of Upay Wallet.
• Work with key internal stakeholders (e.g. service teams, marketing, PR, legal, support, etc.)in order to execute the Alliance & Partnership programs’ business plan.
• Ensure that there is a strategic business development plan for target partners and ensure it’s in line with the overall revenue growth.
• Manage complex contract negotiations and serve as a liaison to the legal group.
• Create and execute operational rigor with the team including Digital Business, Corporate Affairs, ATL/BTL Marketing, Product Management, Change Management and Business Reviews (internal/external).
• Design and Execution of Promotion and Campaigns with partners.
• Crafting and Management of Creative Design.
• Design of Customer Experience.
• Product Development and Management of new features.

Kona Software Lab Limited (KSL), Dhaka — Assistant Manager, Business Development | Web: KonaSL

March 2016 – March 2018

Kona Software Lab Limited (KSL) is a Korea based smart card solution company that works on development and commercialization of smart card, digital payment platform.

Major Duties:

• Working closely with the senior management to prospect, pitch & close new card and solution business.
• Analyzing and preparing RFP/Tender/Bid response and work accordingly.
• Understanding clients’ brand and products.
• Conduct selling process and ensure timely delivery of products.
• Technical & Sales Presentation material preparation.
• Presentation on local and international client.
• Attend local and international conference and exhibitions.
• Successfully managed multiple local and international projects with remote demonstration and technical support.
• Work with UL Transaction Security (www.ul-ts.com) as channel partner for payment system testing tools.

Ojonika.com –  অঁজনিকা, Dhaka — Founder and Strategic Lead | Web: Ojonika

March 2015 – PRESENT

ojonika.com – is a Dhaka based online shop that involve in business all over Bangladesh.

Major Duties:

• Planning and execution of new business and product line development.
• New merchant acquisition and channel management.
• E-commerce website technical and business aspect analysis and implementation.
• Manage a team of 5 people.
• Work with eCAB (Ecommerce Association of Bangladesh) for ecommerce policy formulation and market development.
• Planning digital/online marketing and monitor the result.
• Planning and execution of offline marketing (road show, events, occasional campaign etc.)
• Present ecommerce aspects of Bangladesh in conference and exhibitions.

Kona Software Lab Limited (KSL), Dhaka — Assistant Manager, Technical Marketing | Web: KonaSL

May 2013 – February 2015

Kona Software Lab Limited (KSL) is a Korea based smart card solution company that works on development and commercialization of smart card, digital payment platform.

Major Duties:

• Providing all necessary support to sales team to assure meeting quarterly and annual sales revenue quotas.
• Consulting customers on their strategies and initiatives.
• Discovering customer requirements.
• Design and conduct platform product/solution presentations and demonstrations as well as question and answer discussions with the customer’s technical staff at increasing levels of complexity.
• Proposing competitive differentiators.
• Delivering proof of concepts with installation and building of sample application solutions.
• Working with R&D (local & overseas), System Platform (HQ), Business Partners and relevant units of Kona as needed to create an effective solution for the client.
• Discuss potential sales opportunities with Account Manager, and perform technical analysis and qualification of potential customer projects, often on-site with the customer.
• Collaborating with Business Partners to develop their skills and solutions.
• Manger customer expectations so as to ensure maximum satisfaction with Platform’s products and services.

Institute of Science and Technology (IST), Dhaka — Guest Faculty, Department of Business Administration | Web: IST

April 2013 – October 2015

Institute of Science and Technology (IST), affiliated with National University, Bangladesh, is offering professional courses and diploma since its inception in 1993. Over the last decade, IST has earned local and global reputation by creating highly qualified Computer Experts, Scientists and Business Experts of highest potential. Our objective is to empower the younger generation and make a contribution to the nation to help uplift the progress in business, technology and also to formulate policy for overall development of the country. We pledge to ensure the quality of life by ensuring the quality of education. The Institute is regulated by a strong Governing Body consisting of eminent Professors of Dhaka University,Subjects Experts, within the rules and regulations of National University of Bangladesh.

Courses Conducted:

Business Marketing, Strategic Marketing, Managerial Economics, Ecommerce, Business Research, Service Marketing, Marketing Thought etc.

Institute of Science and Technology (IST), Dhaka — Lecturer, Department of Business Administration | Web: IST

April 2010 – April 2013

Institute of Science and Technology (IST), affiliated with National University, Bangladesh, is offering professional courses and diploma since its inception in 1993. Over the last decade, IST has earned local and global reputation by creating highly qualified Computer Experts, Scientists and Business Experts of highest potential. Our objective is to empower the younger generation and make a contribution to the nation to help uplift the progress in business, technology and also to formulate policy for overall development of the country. We pledge to ensure the quality of life by ensuring the quality of education. The Institute is regulated by a strong Governing Body consisting of eminent Professors of Dhaka University,Subjects Experts, within the rules and regulations of National University of Bangladesh.

Major Duties:

• Conduct Classes
• Design Question Papers
• Conducting Examination and Evaluation of Papers
• Planning Institution’s Marketing Budget
• Design and Execution of Institution’s Marketing Plan

Courses Conducted:

Business Mathematics, Microeconomics, Macroeconomics, Insurance and Risk Management, Auditing, Financial Management, Strategic Management, Financial Analysis, Managerial Accounting, Project Management etc.