Curriculum Vitae

Technology leader with over 15 years of experience driving digital transformation across banking, fintech, and event technology — from Mashreq UAE, Mashreq Neo, and the Mashreq UBO platform to mission-critical delivery for GITEX Global, Gulfood, The Big 5, IDEX, and the World Defense Show.

Currently at Commercial Bank of Dubai as Group Leader for the Personal Banking Group digital channels, I own the Mobile App and Online Banking platforms end to end — shaping the retail digital roadmap with the business unit and leading the bank's Tier-1 programmes, its highest-priority category, carrying combined CAPEX of AED 5M and a four-year total cost of ownership above AED 15M, across architecture, delivery, governance, and production on Azure.

In parallel, as co-founder and CTO of Powerscore, I built a B2B SaaS event-analytics platform from concept to production — setting the technical vision, owning the architecture, and embedding AI into both product and engineering process: ownership at the top, with the hands-on depth to know exactly what is being built and why.

• Own the Personal Banking Group digital channels end to end — Mobile App and Online Banking — as the single technical owner for platform strategy, delivery, and run.
• Shape the retail digital roadmap jointly with the Personal Banking Group business unit, translating commercial priorities into a sequenced technical plan and defending it at steering committees and working groups.
• Lead the bank's Tier-1 programmes — its highest-priority category — representing combined CAPEX of AED 5M and a four-year total cost of ownership above AED 15M, steering scope against remaining budget throughout the lifecycle.
• Own solution and integration architecture for every channel initiative, setting technical direction across API, integration, and cloud layers and holding vendor designs to it before build.
• Drive delivery across the bank's wider systems landscape, not the channel alone — Core Banking, cards (Vision PLUS), payment switch (IST), middleware (MuleSoft), identity (PingFederate), and the enterprise Data Lake — aligning system owners, dependencies, and release sequencing.
• Lead multicultural, multi-vendor delivery teams: coordinate 5–6 people directly per programme and manage external vendors from solution proposal and design review through build, UAT, and post-production support.
• Carry every production change through the bank's governance, authoring and presenting Permit to Build, Permit to Release, and Change Advisory Board submissions for risk, security, and compliance sign-off.
• Run a monthly production release cycle across concurrent Tier-1 projects and BAU support, owning cutover, rollback strategy, post-production operations, and the channel's Azure estate (API Management, App Services, monitoring and diagnostics).

• Set the technical vision and own all engineering for a multi-tenant B2B SaaS analytics platform for the events and trade-show industry, taking it from concept to a production-ready product in partnership with the CEO and CMO on product and go-to-market.
• Define the end-to-end technical strategy and architecture, balancing speed-to-market against scalability and security, and own all platform and build-vs-buy decisions across infrastructure, authentication, and AI.
• Lead the technical response to enterprise sales requirements — including evaluating data-residency architectures for a major prospect's UAE compliance needs and presenting clear cost, effort, and risk trade-offs to commercial stakeholders.
• Treat security and data protection (multi-tenant isolation, GDPR-compliant data capture) as commercial enablers for enterprise deals rather than afterthoughts.
• Introduced AI-driven product features and an AI-augmented engineering workflow that multiplied delivery capacity while retaining full architectural ownership and quality control.
• Established the engineering operating model from scratch — delivery pipeline, CI/CD, documentation, QA, and observability — laying the foundation to scale a team.

• Led the company's end-to-end digital transformation, overseeing IT, Digital, and Onsite departments (25 staff) and maintaining 99.9% service uptime across high-volume events handling over 250,000 system transactions daily, with peaks exceeding 5,000 simultaneous requests during show hours.
• Redesigned and modernized infrastructure, migrating to AWS and implementing DevOps, IaaS, Terraform, and containerization, achieving a 40% faster release cycle, 35% cloud-cost reduction, and 30% lower IT workload.
• Directed multi-million AED budgets and vendor relationships, optimizing multi-cloud investments, SLAs, and integrations across external, payments, and partner ecosystems.
• Directed the design and development of SaaS platforms for exhibitions' attendee management, improving scalability, data performance, and overall user experience.
• Developed an internal AI-based documentation and training assistant, built on OpenAI models and APIs, to centralize knowledge, support staff training, and reduce dependency on technical resources.
• Directed corporate and product-level security initiatives including vulnerability assessments, penetration testing, and vendor security reviews.
• Built and mentored high-performing teams, fostering innovation, accountability, and operational excellence.

• Led digital transformation initiatives for major UAE financial institutions, focusing on digital onboarding, payments, and KYC automation in alignment with UAE Central Bank compliance.
• Managed the Mashreq Bank UBO (Unified Onboarding Officer) program, a tablet-based branch application developed from the ground up, overseeing a team of five engineers and coordinating requirements, architecture, and release cycles to ensure stability and scalability.
• Designed and supervised back-end enhancements using microservices and API-driven architectures to improve scalability, security, and data consistency across mobile and web platforms.
• Integrated Apple Pay and Google Pay with full card tokenization and secure authentication flows, expanding adoption of mobile payment solutions.
• Coordinated end-to-end release management, ensuring smooth collaboration among business, QA, and UAT teams, with consistent on-time delivery and zero critical deployment incidents.
• Acted as Agile Ninja, promoting continuous delivery, collaboration, and innovation across product squads and partner teams.

• Developed and launched multiple Mashreq Bank digital channels, including Mashreq Retail UAE, Mashreq NEO, Mashreq SME, and regional versions for Mashreq Egypt and Mashreq Qatar, contributing to the bank's multi-market digital transformation strategy.
• Implemented key functionalities such as bill payments, fund transfers, eKYC verification, spending analytics, biometric login, push notifications, and real-time transaction alerts, improving platform reliability, security, and user experience.
• Coordinated QA, release planning, and deployment cycles for high-availability banking and enterprise applications, ensuring stability and efficiency across releases.
• Contributed to EVA, a large-scale digital transformation project for Banca delle Marche, developing core banking modules and regulatory reporting systems using .NET web services, and implementing ETL workflows for data warehouse population to improve performance, accuracy, and compliance of financial reporting.
• Designed and developed the entire IT infrastructure renewal for Welfare S.R.L (ex Muoversi S.R.L), building scalable web platforms in PHP and SQL, streamlining business workflows, and digitizing employee welfare operations.

Technology Strategy & Vision | Digital Roadmap Ownership | Business Partnership | Solution Architecture | Multicultural Team & Vendor Management | Budget Management | Executive Stakeholders | Core Banking & Payments Integration | Cloud (AWS & Azure) | SaaS Platforms | AI & Automation | Hands-on Engineering | Web & Mobile Development | IT Security & Delivery Governance