Rizwan Ahmed

Spearheaded new merchant acquisitions for Alliances, HBL Installment Program (HIP) and HBL Rewards Program across Pakistan Onboarded major HIP partners including Dawlance, Kenwood, Haier, Samsung, Hisense, Gree, ECO Star, Vivo Mobile, and Interwood to enhance customer financing options Secured strategic rewards partnerships with leading retailers such as Agha's, Naheed, Imtiaz, Chase Value, Babyshop, Splash and high-end lifestyle brands including Dermalogica, Café Aylanto, Nike, and TAG Watches

Senior Manager Alliances, Loyalty & Rewards Program – Credit & Debit Cards - HBL (Habib Bank Limited) - Karachi, Pakistan

(2015-11)

• Spearheaded new merchant acquisitions for Alliances, HBL Installment Program (HIP) and HBL Rewards Program across Pakistan
• Onboarded major HIP partners including Dawlance, Kenwood, Haier, Samsung, Hisense, Gree, ECO Star, Vivo Mobile, and Interwood to enhance customer financing options
• Secured strategic rewards partnerships with leading retailers such as Agha's, Naheed, Imtiaz, Chase Value, Babyshop, Splash and high-end lifestyle brands including Dermalogica, Café Aylanto, Nike, and TAG Watches
• Successfully established and managed alliances with top-tier brands like Pizza Hut, Burger King, KFC, McDonald's, Marriott, PC Hotels, Movenick, and Ramada Plaza
• Maintained relationships with over 200+ alliance merchants, managing all aspects of partner engagement and service delivery
• Developed and executed strategies to secure and retain over 100 merchant alliances on a Free-of-Cost (FOC) basis
• Conducted regular merchant visits to ensure brand visibility, promotional compliance, and strong in-store presence of the Bank
• Oversaw smooth processing of merchant payments and collaborated with internal teams to ensure operational accuracy
• Delivered weekly presentations to senior management on potential alliances and the underlying value propositions and returns
• Created and maintained a detailed Master MIS for alliance partners to ensure accurate records and streamlined coordination

Key Account Manager South – Merchant Acquiring - MCB (Muslim Commercial Bank) - Karachi, Pakistan

(2006-08 - 2015-10)

• Acquired and onboarded new e-commerce merchants, contributing to the digital expansion of the bank's acquiring portfolio
• Maintained a 90% merchant activation ratio across the assigned area/zone through targeted follow-ups and onboarding support
• Successfully managed and retained high-profile key accounts including Hyperstar, Junaid Jamshed, The Cambridge Shop, AK Marketing, Ideas by Gul Ahmed and Mottas
• Conducted daily morning training sessions for sales officers, driving performance and ensuring achievement of sales targets
• Managed high-value and critical key account relationships maintaining strong engagement and satisfaction
• Monitored daily, weekly, and monthly sales performance for senior management's strategic planning
• Signed merchants under MOTO (Mail Order / Telephone Order) agreements to expand non-physical transaction capabilities
• Ensured cross-functional coordination with CIU, RRU, FRMU, Legal & Compliance and Card Operations for smooth on-boarding

Relationship Manager South – Merchant Acquiring - MCB (Muslim Commercial Bank) - Karachi, Pakistan

(2006-08 - 2015-10)

• Supervised Relationship Officers to drive business growth and ensure achievement of volume targets
• Acquired new merchants to expand the acquiring portfolio, consistently meeting acquisition objectives
• Managed and nurtured relationships with existing merchants to ensure continued engagement and satisfaction
• Evaluated performance metrics of assigned areas to identify growth opportunities and optimize operational strategies

Relationship Manager South – Merchant Acquiring - Bank Alfalah Limited - Karachi, Pakistan

(2005-08 - 2006-07)

• Oversaw sales performance and merchant activities across two key commercial areas: Clifton and Tariq Road
• Acquired new merchants to expand the Bank's acquiring network, consistently achieving fresh business targets
• Led the Merchant Servicing Team in the assigned region, ensuring efficient handling of daily operations and client support
• Monitored performance metrics and KPIs across assigned areas, sharing insights to senior management for strategic decisioning

Relationship Officer South – Merchant Acquiring - Union Bank Limited - Karachi, Pakistan

(2003-03 - 2005-08)

• Onboarded and facilitated new merchants within the acquiring system, ensuring seamless integration into banking services
• Coordinated timely cheque deliveries to the bank, maintaining accuracy and adherence to schedules
• Acted as the first point of contact for merchant queries and issues, providing prompt resolutions to enhance client satisfaction
• Collaborated with the Marketing Department to support outreach efforts and merchant engagement initiatives

Bachelor's of Arts - Urdu University (1999-01 - 2003-02)

Intermediate - Urdu Arts & Commerce College (1996-07 - 1998-08)

Matriculation - Mehran Emorse Secondary School (1994-07 - 1996-06)