• Summary

    20+ years of experience in delivering successful digital product launches in financial services and for fintech start-ups. Deep experience in building greenfield teams and commercialising digital services. Interim management, due diligence and consulting

    Frequently work with board-level senior executives on marketing and commercial issues at leading multinational companies such as VISA (Europe), Lloyds Bank (UK), BT (UK), Disney, Lebara (UK), Orange (UK & Asia Pacific), Vodafone (UK, Germany, Romania), AT&T (US) and MTN (West Africa) as well as private equity firms including GMT Partners (UK) and MC Ventures (US). International career exposure across Europe, US, Africa and Asia Pacific. Scrum certified and agile project management practitioner. Chaired various conferences including at Oxford, London and Dubai. Quoted in different publications including Economist Intelligence Unit (EIU), ACCA's Accountancy Futures Academy and Guardian newspaper

  • Experience


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    VP of Product

    Xapo Bank

    2022 - 23 Xapo Bank is a crypto private bank serving global members

    • Creating brand new Wealth Portfolio Management and Savings products
    • Built team from scratch
    • Developed products from discovery all the way to product launch​
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    Head of Products


    2017 - Current


    • Developed and gained Executives' approval for the digital strategy
    • Successfully built a brand new mobile banking app from scratch for HSBC UK within 6 months with a combination of on- and off-shore teams
    • Achieved app store rating of 4.6*(from more than 20,000 reviews) with half the customers migrated to the new app within 2 weeks of launch. (The old app rating was 1.5*)

    • For Open Banking and PSD2, building regulatory compliance requirements including Dynamic Linking and Strong Customer Authentication for third parties to access the app.
    • Jointly developed API strategy with Solution Architect, leveraging existing core banking systems and accounted for constraints. Defined interim and end state of the API strategy. This includes not only internal-facing APIs but also third-party APIs as well

    • Developed the proposition and product roadmap through primary and secondary customer research to understand customer needs, complaints, and feedbacks; competitors assessment of direct and indirect competitors and cross-industry best practices; market trends analysis of fundamental services, value-added products as well as revenue-generating offers.

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    Senior Advisor (Programme Director)

    Alvarez and Marsal

    2016 Alvarez and Marsal is a consulting firm known for asking tough questions, listening well, digging in and getting our hands dirty. We are fact-driven and action-oriented. We move our clients forward, to where they need to be.​


    • Implements Digital Banking project for one of the biggest incumbent retail bank

    • Part of bank-wide digital transformation initiative

    • Develops project governance and prioritisation of products and processes

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    Managing Director


    2012 - Present InterSkan is a management consulting firm


    We are passionate about Mobile, Payments, FinTech and InsurTech. We are the trusted advisor to our clients in the sectors that we love

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    Chief Product Officer

    Lebara Money

    2013 - 2016 Lebara is a mobile operator in 8 countries


    • Programme and Product Director of FinTech propositions 
    • Led product development and management of financial/banking services including customer-centric Current Account, Saving Account, Overdrafts, Short-term Loans, International Money Transfers and Insurances
    • Strategic direction, target operating model and business plan
    • Propositions, product risks, and roadmap
    • Developed innovative customer KYC (know your customer) and AML (anti-money laundering) paths
    • Governance structure and process (Risk and Product Governance Boards)
    • ​​Third-party partners identification, evaluation and commercial negotiations;
    • Led the online and mobile design & testing (UX and UI) for Android and iOS
    • Led portfolio lifecycle management through the monitor, analysis of the performance and manage the PMO
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    Mobile Payment Strategy

    Visa Europe

    2012 - 13 Visa is a payment business


    • Mobile and contactless payment strategy (including mobile & digital wallet)
    • Mobile commerce convergence propositions development
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    Greenwich Consulting

    2005 - 11 Greenwich Consulting is an International management consulting firm in digital, mobile and financial services.. Now acquired by Ernst & Young Advisory


    Led and successfully delivered numerous projects such as:

    • Developed strategy and programme managed go-to-market initiatives in digital payment and mobile money for different global clients in both developed and developing countries. Developed products and processes roadmaps. Scope included strategy and roadmap development as well as go-to-market implementation. Partnered with retail banks and obtained regulatory approvals. Interfaced with CXOs.
    • Developed strategy and project managed new digital business proposition from scratch for a multinational client. Also launched the proposition commercially. Devised primary customer research through focus groups and quantitative research and go-to-market plan; negotiated agreements with multiple new partners and managed the testing phases (pilot and beta testing).
    • Programme managed the launch of a new start-up in mobile and and transform the previous quad-play offers, including channels to market and propositions from scratch. Developed all aspects of marketing (strategy, proposition, channel, promotion and pricing). Negotiated and agreed commercial terms with suppliers. Developed channels to market including location selection and creation of physical retail outlets.
    • Programme managed the transformation of a new digital partnership (including advertisers, aggregators, content owners and platform providers) for client. Worked with Board of Directors.

  • Skills

    Specialties: Digital, FinTech, mobile payments, wallet, mobile money & banking, APIs, Cloud, MVNO, mobile applications, mobile & broadband technologies, mobile telecoms, strategy, product development, business development, start-ups


    Successful products launches


    Mobile payment, money & banking consulting projects 


    Clients trusted Pang


    Challenger Bank launch including partnership and product development 


    product successfully launched leveraging Open Banking and PSD2 regulation


    Apple app store customer rating to 4.6* from 1.6* 

  • Projects

    Selected projects that I led or responsible for

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    Process design

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    Digital wallet and mobile payment

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    Incumbent bank digital transformation

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    Mobile growth strategy

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    Greenfield mobile operator launch with quad play propositions

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    Innovative service launch across 4 countries

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    B2B product launch

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    Organisational re-design

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    Regional growth strategy

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    Regional growth strategy

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    Investment opportunities

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    Investment feasibility assessment

  • Quotes

      "A rare example of someone who truly recognises the challenges and opportunities faced by the industry"


    "... The success achieved on launch was impressive"

  • Investment Portfolio

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    Smart Job Search

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    Sex Coffee Rock & Roll

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    P2P property lending

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    It's time for a new kind of bank

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    We don't pretend to be healthy; we are!

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    Help travellers to save money by swapping currencies directly with each other

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    A last-moment marketplace for restaurants & bars