Omar Tariq

Experience

• 

  NIB Bank

  Jan 2008 - Jan 2011

  Assistant Product Manager - Business Loans

  Product Management related responsibilities: •Financial analysis and Reporting of the products performances•Market Research•Marketing Campaigns•Internal Campaigns •Competitor Analysis•Industry analysis & reporting•Budgeting & Costing •Product Launches •Audit Coordination

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  Independent Consultant

  Mar 2011 - Apr 2012

  Marketing Consultant

  • Working on Projects for the launch of business plan and touchpoints

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  Tuwairqi Steel Mills Limited

  Jan 2012 - Jan 2013

  Assistant Manager - Corporate Finance

  • Develop and implement the company’s financial strategy, improve the financial systems and procedures, and deliver quarterly and annual financial reports• Prepare budgets, scrutinize cash calls, manage bank accounts, timely payments• Manage company assets and investments, and conduct market and financial analysis• Maintain relations with key external parties such as Foreign Investors & financial institutions

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  Faysal Bank

  Apr 2013 - Sept 2015

  - Supervision of product launch of Payroll Product along with Competitor analysis, UATs, Trainings and process flows.- Formulation of presentations for training and management reporting along with resolution of issues related to payroll, ADC and E-Banking products - Campaign management at launch stage of payroll and all internal/customer issues resolution for smooth product execution - Regulatory Affairs for Retail Banking Group- SBP Audit coordination for Branch Distribution.- Regulatory/legal and audit aspect for Business and Branches Show less - Managing reporting & analysis of three major segments of Retail Banking Group i.e Branch Distribution, ADC & E-Banking and Wealth Management - Daily reporting of Profitability performance MIS (Country/Regional/Branch level) for Branch Distribution Dept. - Generating weekly & monthly performance tracker for the ADC & E-banking dept.- Performing fortnightly reporting of products for Wealth Management dept. i.e Debit Cards, SMS Alerts, E-Statements, Mobile Banking- Providing Budget versus Revenue variance reporting to the management- Retail Performance Reviews (Monthly) of the entire Retail Banking Group.- Segment Expense Analysis (till Branch level) in order to ensure cost control - Liability Incentive Validation of partner departments to ensure achievements of targets- Inter-dept. coordination of projects- Forecasting, Budgeting, Business Reviews along with commentary and recommendation- Branch Distribution Modeling (complex model designed for non technical users)- Industry analysis of FBL vs Top Tier banks on quaterly basis to bench mark performance- Graphical Presentations preparation using various tools for clear understanding- Data extraction, import & interpretation and reporting to partner depts. as per the requirements Show less

  • Product Manager, Employee Banking & Regulatory Affairs - RETAIL BANKING

    Oct 2014 - Sept 2015

  • Business Intelligence Analyst, BUSINESS INTELLIGENCE UNIT

    May 2014 - Sept 2015

  • Strategy & Projects Manager - RETAIL ANALYTICS

    Apr 2013 - May 2014
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  Dubai Islamic Bank Pakistan

  Sept 2015 - Sept 2021

  Key Responsibilities:-• Heading the Digital Payments & Digital Transformation functions of the bank• Manage ownership of the complete P&L of the digital platform & products• Build a strategy road-map for the direction of our products ensuring competitive advantage• Oversee the technology teams doing development and ensuring timelines for launch• Perform the design work and UI/UX testing for our products and own the customer journey• Coordinate with internal stakeholder departments in the bank (Risk, I.T, I.S, Compliance, Finance, Distribution teams, Legal, Shari'a)• Coordinate as the primary contact person with regulators, merchants, partners, payment schemes, etc• Build all internal & external SOP documents, process flows, guidelines around our productsKey Achievements:- • Founding team-member of bank's digital platform infrastructure• Launch of 'DIBPaisa Digital Wallet' - both Mobile App & Back-office Module (including iOS/Andriod app, Virtual Card, Debit Card, QR, HCE/Tap n Pay functionality) • Implementation of 'Digital Process Automation' of Consumer Finance Products for reduction in booking TATs from days to MINUTES (for gradual phasing out of legacy LOS and manual/paper-based process to now an end-to-end automated, modern & efficient module with minimum human intervention) • Successfully established new business channels such as Digital Acquisitions (Alternate Acquisition Channel)• Setting up of Telesales Unit (TSU) as part of the bank's Digital Retention & Digital Sale Strategy• Formulation of Consumer Strategy Paper & Digital Transformation Road map 2019, 2020 for DIB Pakistan – submitted to Group CEO DIB UAE• Recarding exercise of over 200,000 Debit cards to EMV Chip-based cardsCurrent projects:- Ripple digital remittance, Artificial Intelligence Chatbot, Digital Account Opening, Advance Salary (Nano Loan), Micro Savings, e-commerce payment gateway, MPG, USSD, Huawei Pay & Gallery Show less - Managing product portfolio of PKR 18 bn & PKR 7 bn which is currently the largest portfolio in Pakistan's Consumer industry- Responsible for ensuring maximum profitability while working towards addition of new product to consumer window- Successfully established new business channels such as Branch cross-sell, Dealer distribution channel, OEM Alliance Channels and auxiliary income segments for product penetration and expansion by formulating financial targets- Launched multiple business alliance campaigns. Marketing plans and partner resource trainings for overall portfolio growth - Formulating product & process related documentations, policies, legal agreements, process flow etc to streamline business operation Show less

  • Unit Head - Digital Banking & Innovations, E-Banking Dept

    Jul 2019 - Sept 2021

  • Product Manager

    Sept 2015 - Jul 2019
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  OMG Cart

  May 2021 - Sept 2021

  Co-Founder and COO

  - Founding member of a Startup with the name of OMG Cart, a mobile app service for online shopping and general services with digital payments offering at the core of the USP- Focus on mom & pop stores and home-based businesses & services for providing both the banked and the marginalized segment an online platform with the convenience of managing their finances. - Offline work in progress on OMG Cart

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  The Bank of Punjab

  Sept 2021 - May 2023

  Product Owner - Digital & Mobile Channels

  • Heading the business portfolio and product development of the following web & mobile-app based digital products:-  Digital Accounts / Digital Onboarding Portal  Raast Payment System / Pakistan's first instant payment services  WhatsApp Banking  ePayment Gateways  Digital Insurance • Responsible for developing and executing plans to meet business growth targets and P&L. • Partner with sales channels including Retail, Contact Center teams for achieving commercial objectives• Lead the cross-functional teams in projects by practicing an agile methodology to ensure alignment on digital feature development and prioritization• Complete ownership of the customer journeys resulting from Business Requirement Documents (BRDs), User Stories, SOP Documents, Process Flows, the Use-case scenarios, the design work and UI/UX testing along with constant product iteration and improvements• Work with Marketing Dept. on the communication and promotion of different channels along with GTMs, User Guides, Tutorial Clips, Ad visuals, Social media campaigns etc. • Coordinate with internal stakeholder departments in the bank, external partners and regulator teamsKey Milestones:- Top Rating for exceptional performance on assigned KPIs Key player in helping the bank achieve world record for implementation of Temenos Infinity Digital Banking Suite in MEA Region Critical team member for launch of bank’s first Internet Banking Portal Design, development and launch of BOP Digital Onboarding Platform Launch of WhatsApp Banking (Alternative Conversation Platform) Launch of Raast Payment System on Mobile app, Internet Banking, OTC, ATM and SMS channel Launch of NIFT ePayment gateway and merchant onboarding services Show less

• 

  Mashreq

  May 2023 - now

  Country Product Owner - Neo Digital Onboarding (EVP)

  Heading digital onboarding platform for Mashreq Digital Bank in Pakistan:• Define the core features and functionalities MVP, MVP roadmap, including a timeline for its development and release for digital onboarding.• Create product backlogs for user stories, acceptance criteria and KPIs for the digital onboarding offering.• Lead Sprint Plannings & Daily Standups with Agile development squad to decide on the user stories to be included in the upcoming sprint. • Prioritize the feature enhancements and collaborate with the development team to implement the necessary changes and integrate new features into the existing mobile app.• Create wireframes and prototypes of the mobile app, enhancements based on local market.• Continuously iterate and test the app during the development process to identify and address any issues or bugs.• Conduct regular meetings with stakeholders to ensure alignment and gather feedback throughout the process.• Prepare comprehensive product documentation outlining the digital onboarding procedures for users.• Monitor the app's performance, user engagement, and conversion rates. Show less