Aamir Mahmood

• Continuation of the previous role with the additional responsibility of driving the bank’s data strategy. • Working on a two-pronged strategy; converting MCB into a data-driven enterprise and transforming the digital ecosystem of the bank to make it more lean, agile, and resilient to support innovation and transformation. • Developed Bank's IT Strategy in collaboration with the IT Steering Committee of the bank to meet business aspirations. • Spearheading the development of the data strategy to drive digital transformation to improve profitability and operational efficiency (automation, cost-cutting, better decision-making, better security, and integrity of data).

Established a new division to spearhead digital innovation and transformation in the institution. Managing a team of 45+ digital banking champions, comprising product owners, technology leads, user experience designers, payment systems experts, and business analysts to drive innovation, digital transformation and product development. As an immediate priority, implemented a new Internet/Mobile Banking platform (OBDX20.1) for the Bank in a record time of 08 months with 50+ financial and non-financial services. Given the expanding significance of the contact center in the digital transformation, turning the bank's contact center from a cost center to a revenue-generating division through a change in strategy, the acquisition of new skills, and the use of cutting-edge technologies This also entails upgrading the CRM software to add additional modules, such as lead management, salesforce automation, knowledge base, campaign management, and social media management. Many other process transformation and optimization initiatives with the potential to contribute over a billion rupees in profit are underway.

Continuation of previous role and responsibilities.

Under the leadership of the CIO & CDO, established the Digital Banking Group at Allied Bank with a clearly articulated strategy laser-focused on customer needs and aligned with the broader business strategy to transform the bank into a customer-centric digital platform. A roadmap-driven execution helped deliver many digital banking products and services for the retail and corporate customers of the bank which resulted in approx. 400% increase in retail internet/mobile users in 2.5 years. In addition to leading the implementation of Retail and Corporate Internet Banking for the bank on the OBDX platform, I also spearheaded the development and launch of many exciting digital banking products and services including but not limited to Conversational Banking for iPhone users, digital lending (Payday Finance) and investment (Mutual Funds) products, Personal Finance Management, Mastercard QR (globally first one on MPQR2.0), eTickets, Golootlo, Peekaboo, Proximity Marketing, 3D Secure. Managed the launch of self-service digital branches. Additionally, spearheaded the rollout of the Open Banking API platform with a well-defined onboarding process to engage FinTechs and other industry players to create an ecosystem of partners. I was honored with the Annual performance Award for the year 2019.

Managed the development of alternate delivery channels of the bank which includes Internet Banking, ATMs/CDMs, SMS Banking, Contact Center and Debit Cards issuance/acquiring. Significant achievements are: • The launch of a ‘Smart Food Licensing System’ in collaboration with Punjab Food Authority to facilitate food business operators across Punjab in applying for a license. Digital Identity Cards issued to Food Business Operators are used by Food Inspectors for tracking of license fees/fine collection. • Forming partnerships with Shall Pakistan and PSO to offer cash management solutions to their dealers that led to a 22% increase in collections and expansion of bank’s offsite ATMs network by deploying ATMs at high footfall and lucrative fuel stations which contributed in gaining and retaining the largest ATM acquiring network position in the country. • Evaluation of market leading CRMs and finally implementation of Avanza CRM solution with sophisticated ML and RPA capabilities to help agents handle customers efficiently around-the-clock and boost cross-sell/up-sell success rates through intelligent segmentation of customer data. • Increasing fee income by 11 percent by introducing new Visa Debit Car products.

I was primarily responsible to manage all existing 30+ software applications and designing, developing, and implementing new ones to serve business demands. Strongly advocated the need of transforming the bank’s technology ecosystem into one that is more lean and agile, and led an exercise to consolidate different applications developed and running in silos into one platform, sunsetting legacy applications and converting existing critical ones into more smart and efficient technology applications to better serve the business. For example, the home remittance system, the most critical application of the bank was modernized to intelligently process remittance transactions through an application of Robotic Process Automation which resulted in up to 65% reduction in human intervention, and processing TAT was reduced from 6-8 hours to 5-15 minutes. Drove automation and digitization across the bank by converting paper-based processes to system-based workflows and paper-based records to searchable electronic content. Almost 90% of paper-based processes were replaced with an online workflow-based process using SharePoint and NINTEX Workflow and over 50% of physical paper-based records were digitized onto IBM ECM using OCR/ICR.

I headed a product development department at THK while I was employed there, and I made it a model for other departments in the organization. This department was largely in charge of designing and developing new software products employing cutting-edge technologies and providing technical leadership in the development of technical proposals. Some notable success stories are: •Presented the idea and developed the country’s first ITIL v3 compliant IT Service Management solution which was successfully implemented at United Bank Limited by replacing two existing products. •As an architect, developed and managed a branch banking product named SIMEX for Habib Bank Limited to manage the banking operations in all its 1200+ branches across Pakistan. •In collaboration with Microsoft Pakistan, spearheaded solutioning to manage the largest data enrichment and cleansing activity of the banking industry by adopting an innovative approach of using XAML technology (a new launch from Microsoft), reducing the solution cost to almost negligible. Microsoft also published a case study to recognize the innovation in solution design. •Established PMO and implemented Enterprise Project Management practices and tools at Habib Bank Limited to plan, govern and control critical technology projects more effectively. •Delivered numerous training sessions on Agile development, OOAD, and UML Design techniques to well-known international corporations and significant banks.

I began my career as a member of a medium-sized group of technical experts and business analysts who were creating the Shaheen Airport Services (SAPS) Air Cargo Handling System. I later became the project lead and saw it through to completion.

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