Adeel Ejaz Khan

Experience

• 

  Telenor

  Dec 2016 - Jan 2020

  Project Management Officer

  • Project management of the network rollout and planning division.• Key contributor to ad-hoc projects such as CAPEX allocations, Telenor group-driven initiatives and operational excellence & OPEX savings programs across the company. • POC for the department’s strategic business plan including forecasts, business performance monitoring, reporting and analysis.Key Projects:1. Network projects for coverage, quality, and capacity enhancements such as USF, LTE & Fiber rollout 2. Financial controls to ensure accrual liability accounts are kept under control Show less

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  Khushhali Microfinance Bank Limited

  Jan 2020 - Nov 2021

  Product Analyst

  • Product Analyst for the largest microfinance bank in Pakistan with 2.2 million customers.• End-to-end responsibility for product innovation, growth, and P&L management of lending and savings products, overseeing their life cycles.• Led a team for portfolio analytics projects, including evaluating pricing strategies, conducting pre- vs. post-impact analysis, researching campaigns, and testing hypotheses to enhance KMBL's products and services suite.• Conducted market research and assessments to identify customer pain points and implemented improvements to the products.Key Projects:1. Empowering Farmers through Digital Agri-Finance (IFC – World Bank Group)2. Digital Banking Services; Designed and launched digital banking services on mobile and web3. MSME Business Vertical Launch4. Housing Business diversification Show less

• 

  Jazz

  Dec 2021 - Sept 2024

  • Leading product management, growth, and analytics for JazzCash's digital lending stream, catering to both consumers and merchants.• Overseeing the lending portfolio with a monthly active user base of 2.6 million with retention rate of 80%.• Comprehensive product lifecycle management spanning from ideation to the finalization of requirements to product launch, ensuring alignment with JazzCash business objectives and strategy.• Responsible for P&L management and GTM strategy for the lending portfolio.• Successfully led app conversion for ReadyCash, boosting app-originated loans to 75% from 32% YoY.• Delivered 2x growth in past year for key KPIs – disbursements, transactions, and revenue.• Implementing a robust risk management framework to assess and mitigate potential risks, along with the development of collection strategies meeting benchmarks at 60, 90, and 120 days. Additionally, integrating predictive analytics for credit risk assessment and fraud detection. Key Projects: 1. ReadyCash for consumers, Pakistan’s fastest digital cash loan 2. Inventory financing/Closed loop loans for merchants3. Revamp of product offering for instant cash loans for merchants 4. Buy Now Pay Later (BNPL) services for telco bundles, airtime credit & bill payments5. Portfolio development for a newly acquired Non-Banking Financial Company (NBFC), regulated by SECP Show less • End-to-end accountability for lending products and enhancements; monitoring the product throughout its lifecycle from concept to launch and beyond.• Conducting usability labs and interactive customer sessions to improve the customer experience on the JazzCash App, USSD, and call center.• Implementing credit scoring and risk profiling to drive product growth while maintaining portfolio health.• Developing a communication strategy across all mediums to drive sales and collections, including SMS, in-app marketing, push notifications, digital channels, and IVR calls.• Identifying target segments and understanding the unique needs and preferences of each segment to tailor the product effectively.• Monitoring performance and designing/executing adoption and collection initiatives with a data-centric approach. Key Projects:1. ReadyCash for consumers; Pakistan’s fastest digital cash loan2. Instant digital loans for merchants3. Embedded banking product in partnership with Bank Alfalah; launched nano ticket sized financing facility Show less

  • Manager Products – Digital Lending, Digital Financial Services

    Jan 2023 - Sept 2024

  • Product Expert – Digital Lending, Digital Financial Services

    Dec 2021 - Dec 2022
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  Ezra

  Sept 2024 - now

  Senior Product Manager