Huseynli Zarnigar

Mobile Banking Projects Internet Banking Projects

• Migration to New Native Mobile Banking Platform
  Led requirement analysis and functional design for the transition to a fully renewed native architecture, enhancing customer experience, performance, and security based on modern UX/UI standards.
• Apple Pay & Google Pay Integration
  Enabled contactless payments via Apple Wallet and Google Wallet. Designed API flows, coordinated UAT cycles, and ensured secure SCA-based authentication.
• Open Banking (ASPSP / PSD2 Compliant)
  Designed Open Banking architecture according to Central Bank requirements, enabling external bank accounts to be added into Ziraat app and Ziraat accounts to be integrated into third-party apps.
• AniPAY QR POS Payments
  Developed payment flow for QR-based in-store and service provider payments via mobile application.
• Parking Payment Module
  Designed QR-based contactless parking payment functionality within the mobile app.
• Top-Up Module
  Implemented seamless account balance top-up functionality using bank cards and supported payment instruments.
• Strong Customer Authentication (SCA) for eCommerce
  Applied PSD2-based SCA mechanism for online transactions to increase customer data protection and security.
• Digital Onboarding
  Designed a secure digital account opening process allowing customers to register and start using AniPAY services within minutes.
• SWIFT GPI Tracker Integration
  Implemented a tracking module for international transfers, enabling customers to monitor transaction statuses in real time.
• Online Loan Application & Approval
  Automated end-to-end credit request and approval process for individual customers via Internet Banking.
• Operation History & Repay Module
  Enabled real-time tracking of transaction history and added repeat payment functionality.
• Card Limit Management
  Developed functionality for users to set, modify, and restrict daily transaction limits via Internet Banking.

• Configuration of systems according to customer requirements.
• Development and implementation of new functionalities and modules.
• Identifying market demand and providing product ideas.
• Submission of reports to management.
• Project management and cross-team collaboration.
• Tracking sales performance with KPIs.
• Collection and analysis of sales data, monitoring of market trends.
• Monitoring of income and expenses and preparation of reports.
• Developing programs for training and development of team members.
• Ensuring customer service and customer satisfaction.
• Analysis and analysis of sales performance.
• Preparation and implementation of the company's online sales strategy.
• Determination of annual, quarterly and monthly sales targets and their monitoring.

• Business with Partners and Alternative sales Department - Presentation of banking products, customer engagement, B2B, B2C sales and follow-up.
• Building and maintaining strong and loyal relationships with corporate customers.
• Researching the market strategy of competitors.
• Providing proposals for product creation.
• Presentation of banking products to potential clients and formation of client demand.
• Measuring the degree of satisfaction of customers who have purchased bank products.