Khurram Qadir

• Currently managing very Large Business Transformation / Technology Platform Migration Program (Rainbow) for EMEA across 7 Businesses in 6 Countries. The Program Budget is in the range of $250million which is part of a Global Transformation Program for which Citi is spending $2.2billion across EMEA, Asia, Latam & US regions. • In addition to the Rainbow Program, I am also managing a Digital Transformation Program across 7 Markets in EMEA covering Internet Banking, Mobile Banking, Alerting Module, e-Delivery for Statements. The Digital Program Budget is in the range of $50million. • Responsibility for the successful and timely delivery of the Program for all phases of SDLC includes Governance, Planning & Control, Resource Management, Risk/Issue Management, Deployment, Testing, Performance/Stress Testing, Business, Operation & Technology Readiness, Program Reporting, and Implementation. Overall managing the teams across Development, Infrastructure, Country project teams, Regional Program and SME teams, and other partners. • The scope of the program covers all Retail Banking modules(approx. 50-70 modules) including CA/SA, Investment Products, Credit Products, FX products, Customer Channels including ATMs, POS/Debit Cards, Internet Banking, Mobile, Call Centre, Branches, Tellers, CRM, Data Warehouse, AML/Compliance, GL Systems, paper & e-Statements, Integration with Credit Card Platform, Pricing modules, Alerting service, etc

Reported to EMEA Consumer Technology Head. Managed BAU Production Support/Release Management for enhancements & separately funded Projects across EMEA region on Banking (EBS) & Digital (JFP) Platforms. • Implemented Banking (EBS) & Internet (CBOL) Platforms for Portugal in 8 months in 1Q’08, • Implemented Banking (EBS) & Internet (CBOL) Platforms in Romania within 7-9 months in 1Q’09, • Implemented Credit Initiation (OCI) for Russia in 2009, • Implemented Sales tool platform (Navigator) across Greece, UAE, Russia & Poland. • Implemented Internet Banking (JFP) across 10 Countries, implemented Mobile banking in Poland & started in UAE/Russia/Greece.

Reported to EMEA Consumer Technology Head. Responsible for rolling out EBS (Regional Retail Banking Platform) & Internet & Mobile Banking Platforms across EMEA, Managed BAU Production Support / Release Management for small enhancements / projects across EMEA region. Responsible for providing Regional Strategic Solutions to the Businesses and managed the timely implementation of Major Projects. • Implemented EBS / Systematics Regional Banking Platform & Internet Banking for UK Consumer Business in 13 months timeframe in 1Q’2004. The net Investment of the project was approx. $10M covering mainly the Liability product suite plus customer touch points like Internet banking, ATMs, IVR, Call Centers. • Implemented EBS / Systematics Regional Platform & Internet Banking for Greece Consumer Business in 15 months timeframe in 3Q’ 2004 with net Project investment of approx. $15M. • Implemented EBS / Systematics Regional Platform & Internet Banking for Italy Consumer Business in 17 months timeframe in 2Q’ 2006 with net Project investment of approx. $15M. • Implemented EBS Regional Platform & Internet Banking for Belgium and Spain Consumer Businesses in 4Q’04 with combined net Project Investment of $70M. • Instituted Release management process across all EMEA Retail Banking Businesses. This has helped streamlining the BAU enhancement process and effective utilization of BAU development budget / resources. • Managed Regional Implementation of AML module (Quickscreen) across all EMEA markets by ’2006 based on commitment to US Regulators.

Reported to CEEMEA Retail Banking Technology Head, Responsible to manage implementation of Systematics (Regional Retail Banking Platform) Projects across CEEMEA region from the regional side. Also managed implementation of Credit Cards platform for few CEEMEA markets. Supported BAU for both Banking and Cards production support and enhancements across the region. Managed the rollout of Internet Banking Platform (Citibank Online) across 4 markets in the region. • Implemented Banking Platform (Systematics) in Egypt Consumer (start-up business) in 1999. • Implemented Banking Platform (Systematics) for Citi-Handlowy Bank Poland in 2002 • Implemented Banking Platform (Systematics) for Hungary Consumer in 2002 • Implemented Banking Platform (Systematics) in Russia (startup business) in 2002 • Implemented Asset module (ALS) of Banking Platform Systematics in Romania and Slovakia in 2002 • Implemented Banking Platform (Systematics) for Czech Republic in 2003 • Implemented Credit Cards Platform (ECS-Cardpac) in Czech and Bahrain (start-up businesses) • Implemented Internet Banking (Citibank Online - CBOL) in UAE, Turkey, Poland, & Egypt. • Established a vendor team in Polaris-India to support rollout of CBOL in CEEMEA businesses and to manage/develop regional applications • Conceptualized & Developed Transaction Pricing module from scratch & integrated it with Banking Platform Systematics and rolled out in Poland, UAE, & Pakistan. • Implemented Customer Contact management system (ECCM) across all markets of CEEMEA.

Reported to Consumer Operations Head, was responsible for managing Operations for all asset products. Managed a team of 25 people. • Responsible for operation/processing of Auto Loans, Advances against Foreign & Local currency accounts / Guarantees / LCs, Mortgage and Staff auto/housing Loans. Also responsible for Central Bank reporting for all asset products. • Worked as Head of Recon. and Control unit for Centralized Operations. Responsible for Reconciliation of Product Processors versus General Ledger on a daily basis, conduct reviews to maintain checks and control of each unit against Corporate / Central Bank (SBP) policies & regulations • Member of “Internal Control Committee” representing the O&T department. This committee was headed by the Consumer Business Head. The objective of this committee was to highlight and address significant issues related to Controls, Policies and Procedures

Reported to Systematics Project Manager, was part of the Systematics Project team and implemented 15 ATMs across 5 cities of Pakistan including offsite ATM centers with online connectivity to Cirrus network thru Citishare. Also implemented Time Deposit module (Citiplus) as part of the Systematics suite.

Reported to Technology Systems Head, managed development activity for Liability Systems on Prime and IBM Risc/6000. • Responsible for managing modules related to CA/SA, Time deposit, General Ledger, Customer & account Opening including OSRO, Data Entry, advance against Current account, Funds Transfer, Combined Statement, & Payroll / HR system.

Reported to Financial Controller, managed development activity for manufacturing modules like Inventory, Purchase, Manufacturing Planning and Costing.

Reported to Technology Head, worked as a Project manager and managed implementation for Business Planning & Control system (BPCS) in Pharmaceutical and Chemical Manufacturing Divisions of the Company.

The Company offered Software Solution to large and medium size Companies including Hardware supply & support. Worked as the Business partner and managed all software development work for the Company.