HUSSEIN AL RUBAYE

<p>Product ownership (since 2026): managed e-commerce financing for young online sellers using third-party data, and a BNPL product with vendor partners – from customer need and data requirements to assessment rules, partner integration and launch; co-managed Murabaha financing (including a women-focused product in Anbar) and taxi-driver financing.</p><p> B2C app from scratch: led the customer mobile app and corporate portal (registration, KYC, eligibility, application, tracking, repayment), enabling FFC to serve underbanked customers in Anbar, Basrah, Mosul, Missan and Babil.</p><p> Discovery: used a customer-journey funnel (social media → lead → deal, with rejection and delay reasons) and customer and partner feedback to find drop-offs and shape eligibility rules and journeys.</p><p> Data & KPIs: built dashboards for portfolio performance, repayment, PAR and NPL with early warning, and process times, used by management to set priorities.</p><p> Delivery: owned the backlog and sprints in Jira (later ClickUp); wrote user stories and acceptance criteria; reviewed UI designs in Figma; ran UAT and releases.</p><p> Compliance by design: built KYC/KYB, AML screening, credit-bureau checks and Central Bank of Iraq reporting into the product journeys.</p><p> Outcome: moved the company from paper and Excel to fully digital financing approvals and application tracking, with about 35% of operational tasks automated.</p>

<p>Managed IT services and connectivity company serving ~150 business customers; part of the founding team, part-time alongside my full-time role at FFC.</p><p> Set business direction with the founding partners (service portfolio, pricing, target segments); contracted with Iraqi ISPs.</p><p> Lead development of the multi-tenant hotspot SaaS platform (2M+ monthly visitors, 1M+ customer records for small businesses) and of POS system solutions for business customers.</p><p> Designed and digitised the internal sales, finance and delivery processes with ERPNext, Frappe CRM and n8n.</p>

<p>Product ownership (since 2026): managed e-commerce financing for young online sellers using third-party data, and a BNPL product with vendor partners – from customer need and data requirements to assessment rules, partner integration and launch; co-managed Murabaha financing (including a women-focused product in Anbar) and taxi-driver financing.</p><p> B2C app from scratch: led the customer mobile app and corporate portal (registration, KYC, eligibility, application, tracking, repayment), enabling FFC to serve underbanked customers in Anbar, Basrah, Mosul, Missan and Babil.</p><p> Discovery: used a customer-journey funnel (social media → lead → deal, with rejection and delay reasons) and customer and partner feedback to find drop-offs and shape eligibility rules and journeys.</p><p> Data & KPIs: built dashboards for portfolio performance, repayment, PAR and NPL with early warning, and process times, used by management to set priorities.</p><p> Delivery: owned the backlog and sprints in Jira (later ClickUp); wrote user stories and acceptance criteria; reviewed UI designs in Figma; ran UAT and releases.</p><p> Compliance by design: built KYC/KYB, AML screening, credit-bureau checks and Central Bank of Iraq reporting into the product journeys.</p><p> Outcome: moved the company from paper and Excel to fully digital financing approvals and application tracking, with about 35% of operational tasks automated.</p>

<p>Product ownership (since 2026): managed e-commerce financing for young online sellers using third-party data, and a BNPL product with vendor partners – from customer need and data requirements to assessment rules, partner integration and launch; co-managed Murabaha financing (including a women-focused product in Anbar) and taxi-driver financing.</p><p> B2C app from scratch: led the customer mobile app and corporate portal (registration, KYC, eligibility, application, tracking, repayment), enabling FFC to serve underbanked customers in Anbar, Basrah, Mosul, Missan and Babil.</p><p> Discovery: used a customer-journey funnel (social media → lead → deal, with rejection and delay reasons) and customer and partner feedback to find drop-offs and shape eligibility rules and journeys.</p><p> Data & KPIs: built dashboards for portfolio performance, repayment, PAR and NPL with early warning, and process times, used by management to set priorities.</p><p> Delivery: owned the backlog and sprints in Jira (later ClickUp); wrote user stories and acceptance criteria; reviewed UI designs in Figma; ran UAT and releases.</p><p> Compliance by design: built KYC/KYB, AML screening, credit-bureau checks and Central Bank of Iraq reporting into the product journeys.</p><p> Outcome: moved the company from paper and Excel to fully digital financing approvals and application tracking, with about 35% of operational tasks automated.</p>