Sina Haji

-Develop and implement the overall strategy for the card business, aligning with Asia pay's goals and the term of the CBA with MasterCard.

-Establish and maintain partnerships with third-party processors (TPP), MasterCard, and other vendors ensuring all commitments are met.

-Oversee product development to ensure alignment with MC and CBI regulations.

-Collaborate with pricing and planning dept. to define pricing models and revenue targets for prepaid cards and related services.

-Lead the team in analyzing market trends and competitor strategies to maintain a competitive edge.

-Collaborate with product development, operation, marketing teams and any other departments to align card products with business objectives.

• Led validation and compliance processes to ensure full - alignment with Central Bank of Iraq (CBI) regulations.
• Oversaw operational audits, documentation, and system accuracy across departments.
• Managed a cross-functional team to implement compliance controls.
• track risk indicators, and maintain regulatory readiness.
• Played a key role in enhancing internal procedures,
• ensuring accountability, and driving operational integrity across all business units.
• Developed and enforced standard operating procedures (SOPs) to streamline validation workflows, reduce compliance risks, and ensure consistent execution across departments

• Managed the end-to-end process of tendering and reaching new accounts, ensuring the acquisition of key enterprise clients and large NGOs.
• Served as the primary point of contact for all enterprise accounts and major NGOs, handling client relations and service delivery.
• Oversaw all operational functions within the company, including salary disbursements for enterprise accounts and entitlement distributions for NGOs.
• Managed card operations, including the arrangement, sales, and wholesale distribution of cards to contracted clients and market dealers.
• Coordinated and monitored daily operations, providing support to both back-office and field teams to ensure smooth execution.
• Compiled and presented monthly revenue reports, providing key insights on performance and growth metrics.
• Led pricing and service rate decisions for new contracts and tenders, aligning with business objectives and market conditions.
• Calculated and tracked commissions for points of sale and mobile teams, ensuring accurate reporting for each project’s operational performance.

• Worked across multiple branches within the sales division, focusing on e-commerce and mobile money payment solutions.
• Led the onboarding and management of new incoming accounts for mobile money services, acting as the focal point for large organizational accounts involved in electronic salary disbursement and fund collection.
• Gained hands-on experience in the field, supporting direct client interactions and business operations.
• Managed the registration of both regular and channel user accounts, ensuring proper documentation and data entry.
• Provided reporting support, verifying client data and requirements received from field teams for accuracy and compliance.
• Prepared and delivered key internal reports for AsiaHawala, including monthly sales dashboards and sales revenue reports, helping to track performance and guide decision-making.

Asia Cell

• Built and tested mobile money systems, starting from the ground up, including systems like Mahindra Comviva and Huawei platforms.
• Conducted thorough system testing and performance evaluation for mobile service systems, ensuring seamless integration and functionality.
• Developed report templates for Sales & Marketing teams, streamlining data collection and presentation for better decision-making.
• Led the preparation and planning for the creation of the AsiaHawala USSD system and IVR services, enhancing customer interaction capabilities.
• Provided comprehensive system training to new employees, key dealers, and franchise partners, ensuring consistent understanding and efficient system utilization.

• Prepared and submitted final sales reports for management, including direct and indirect reports, KPI reports, stock reports, and commission distribution reports, ensuring all data was accurate and up to date.
• Managed the activation of CPE (Maxent Internet) systems, ensuring smooth implementation and setup.
• Coordinated the integration of system tools between the sales section and call center, optimizing workflows and communication between teams.
• Oversaw sales car allowances and managed monthly sales revenue, ensuring proper allocation and timely reporting to the HR department.