Bio

Fintech, Payments & Banking expert with background in product management, credit and innovation with experience in start-ups, large payment processors as well as consumer and small business credit providers. I have been involved in building retail lending portfolios from scratch in developed (UK) and emerging markets(Africa). I have experience in being the functional architect of a retail banking operation that provides branch-less banking, mobile banking, ATM cards and brick and mortar banking to clients in Ghana, Tanzania and Mozambique. I also have an experience in technology to complement my commercial, product and channel development, operational and strategic management skills in leadership roles in Banking and Financial Services. Specialities: Functional Architect of Retail Banking operation, Product Design, Strategic Management of Unsecured Lending Portfolio, Innovation and Strategy Development , Risk Analysis and Credit, Collections and Authorisations Management in Credit Card Business, Managing Credit and Fraud Losses, Marketing Analytics, New Product Design and Business Insights for Financial Services, Architect of telecom software , experience in large and entrepreneurial financial and technology firms in India, Canada, USA, UK and Africa.