Pari Mammadova PMI-ACP
Head Of Retail Card Product Development
Summary
Goal-oriented dynamic professional with solid background in retail banking and card product development, dedicated to enhancing customer experiences through innovative digital solutions. Proven track record in leading cross-functional teams to deliver innovative solutions. My key achievements include leading the development of innovative retail card products that significantly enhanced customer engagement and streamlined processes, leading to a substantial rise in product adoption.
Overview
22
22
years of professional experience
11
11
years of post-secondary education
8
8
Certifications
3
3
Languages
Work History
Head of Retail Card Product Development/Product Owner
Bank Respublika OJSC
10.2024 - Current
- Define and execute the product vision, strategy, and roadmap for retail card products
- Identify market trends, customer needs, and competitive landscape to develop innovative card products
- Lead the end-to-end product development lifecycle, from ideation to launch
- Collaborate with cross-functional teams (marketing, sales, risk, IT, and operations) to ensure successful product delivery
- Manage the portfolio of retail card products, ensuring they meet revenue and profitability targets
- Monitor product performance and implement strategies to optimize growth and profitability
- Develop pricing strategies and promotional offers to attract and retain customers
- Enhance the customer experience by improving product features, benefits, and usability
- Analyze customer feedback and data to identify areas for improvement
- Develop and implement strategies to increase card usage, activation, and retention
- Collaborate with internal stakeholders to align product development with business objectives
- Lead and mentor a team of product managers, analysts, and developers
- Set clear goals and performance metrics for the team and ensure they are achieved
- Build and maintain relationships with external partners and vendors (e.g., Compass Plus, Azericard)
Product Owner/Manager - Retail Card/Business Process Development
Bank Respublika OJSC
05.2023 - 01.2024
- Act as the primary owner of retail card products, defining the product vision, strategy, and roadmap
- Collaborate with stakeholders to gather and prioritize product requirements, ensuring alignment with business goals and customer needs
- Lead the end-to-end product development lifecycle, from ideation to launch, ensuring timely delivery of high-quality products
- Work closely with cross-functional teams (IT, marketing, operations, risk, and compliance) to deliver product enhancements and new features
- Analyze existing business processes related to retail card products and identify opportunities for improvement
- Design and implement streamlined processes to enhance efficiency, reduce costs, and improve customer satisfaction
- Collaborate with operations and technology teams to automate and digitize manual processes where applicable
- Conduct market research and competitive analysis to identify trends, customer needs, and growth opportunities
- Communicate product updates, process changes, and performance metrics to senior management and other stakeholders
- Define and track key performance indicators (KPIs) for retail card products and business processes
Product Owner/Senior Business Analyst - Digital Banking & Business Process Development
Bank Respublika OJSC
09.2018 - 05.2023
- Analyze existing business processes related to banking and identify opportunities for improvement
- Design and implement streamlined processes to enhance efficiency, reduce costs, and improve customer satisfaction
- Collaborate with stakeholders to gather and prioritize product requirements, ensuring alignment with business goals and customer needs
- Work closely with cross-functional teams (IT, UX/UI design, marketing, operations, risk, and compliance) to deliver product enhancements and new features
- Collaborate with operations and technology teams to automate and digitize manual processes where applicable
- Develop detailed business requirements, user stories, and process flows to guide development teams
- Develop customer-centric product features and benefits to enhance the overall user experience
- Analyze customer feedback and usage data to identify pain points and areas for improvement
- Work closely with internal stakeholders (e.g., marketing, sales, risk, compliance) to ensure successful product launches and process improvements
Finance Officer
Milk-Pro LTD
03.2012 - 03.2016
- Perform financial and accounting related activities in a timely manner
- Participate in preparing of financial and accounting reports are prepared in accordance to company rules and regulations
- Maintain accurate documentation for financial operations and bank transactions
- Led projects and analyzed data to identify opportunities for improvement
- Address financial issues and inquiries in a timely manner
Interbranch Relations Department/Specialist
Bank Respublika OJSC
08.2007 - 02.2008
- Preparation of weekly/monthly reports and presentations on various branch indexes (budget, deposits, loans, money transfers)
- Receiving all orders and inquiries from branches and ensuring their effective execution by the relevant departments
- Make proposal for opening of new branches (service points) and according to the decision of Executive Board to determine the place for future office after analyzing the area
- Kept detailed records of project progress, discrepancies and other funding issues
HSE Performance Analyst
AIOC/Sangachal Terminal Expansion Project operated by BP
11.2002 - 05.2007
- Coordination of web based STEP HSE Management System
- STEP HSE Plan update
- Analyzing STEP HSE performance data to ensure ongoing compliance to Getting HSE Right, Golden Rules of Safety, and Safe System of Work requirements
- Collect and prepare internal and external HSE reports (incl
- STEP HSE monthly and weekly reports)
- Lead in ASA/STOP project and its implementation in electronic version
- Review established procedures to assess areas in need of improvement
Education
Legal Regulation of Economics -
Azerbaijan State University of EconomicsUNEC
01.2008 - 12.2011
Philology - undefined
Baku State University- BSU
01.1998 - 12.2004
Skills
- Compass/ITC
- GNI
- Jira
- Telescope
- BPMN
Certification
PMI Agile Certified Practitioner (PMI-ACP), Project Management Institute
Awards
Certificate of Honor by Bank Respublika
Timeline
Head of Retail Card Product Development/Product Owner
Bank Respublika OJSC
10.2024 - Current
Product Owner/Manager - Retail Card/Business Process Development
Bank Respublika OJSC
05.2023 - 01.2024
Product Owner/Senior Business Analyst - Digital Banking & Business Process Development
Bank Respublika OJSC
09.2018 - 05.2023
Finance Officer
Milk-Pro LTD
03.2012 - 03.2016
Legal Regulation of Economics -
Azerbaijan State University of EconomicsUNEC
01.2008 - 12.2011
Interbranch Relations Department/Specialist
Bank Respublika OJSC
08.2007 - 02.2008
HSE Performance Analyst
AIOC/Sangachal Terminal Expansion Project operated by BP
11.2002 - 05.2007
Philology - undefined
Baku State University- BSU
01.1998 - 12.2004
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