Global product leader · Dubai

Khaled Ibrahim

Building payment products that scale across MENA.

Payments · Digital Wallets · Merchant Platforms · Market Expansion

A hands-on senior product leader turning complex market, regulatory and technical requirements into launch-ready fintech products across UAE, Egypt, Bahrain and Morocco.

10+Years’ experience
4MENA markets
15+Deployed PRDs / BRDs
3 yearsMastercard MPGS
Product command center Operating system online
Strategy Payments Regulation Delivery
01 Executive story

From ambiguity to production

I turn complex regional payment problems into products that can launch.

I own products end to end—from opportunity framing, strategy and roadmap through requirements, delivery, UAT, production readiness and post-launch governance. My work spans digital wallets, merchant payments, payment gateways, onboarding, pricing and back-office controls.

Three years inside Mastercard Payment Gateway Services built my technical depth in APIs, 3DS, tokenisation and live payment investigation. Today, I apply that foundation to multi-market product leadership, aligning Engineering, Compliance, Risk, Operations, Legal, Commercial, banks, processors and vendors around customer outcomes.

02 · Selected product impact

Work that moved from requirement to reality.

Real delivery examples from regulated markets. Expand any card for product and technical detail.

01 · MoroccoWallet & localisation

Market-ready wallet foundations

BAM-aligned KYC tiering, multilingual journeys and launch controls designed for local use and regulatory readiness.

  • Biometric verification considerations and maker-checker controls
  • Arabic/French requirements with RTL/LTR considerations
  • Auditability, escalation paths, UAT and production-readiness governance
02 · MoroccoBill payments

14-screen bill-payment experience

MAD payment journeys covering ONEE, Maroc Telecom and ADM Autoroutes—from stakeholder discovery through production deployment.

  • Customer journey and requirement definition
  • Validation, UAT and operational readiness
  • Local biller and market-specific payment flows
03 · EgyptCommerce

Pay10 Shop Builder

Product creation, storefront, cart and checkout with payment experiences adapted to the Egyptian market.

  • Meeza, InstaPay, Cash on Delivery and Pay10 Wallet
  • Discovery, journey definition and implementation-ready requirements
  • UAT and production-readiness ownership
04 · EMEAMastercard MPGS

Enterprise gateway integrations

Technical product expertise supporting enterprise merchants and acquirers across high-availability payment environments.

  • API scoping, gateway configuration, 3DS and tokenisation
  • Postman test suites, Splunk investigation, UAT and go-live readiness
  • Merchant feedback translated into product and documentation improvements
05 · Product opsAgentic AI

Agentic Product Workspace

An internal AI-powered product operations platform for structured requirements, risk analysis and implementation planning.

  • Improved documentation consistency and backlog quality
  • AI-assisted planning within controlled product workflows
  • Structured outputs designed for real delivery teams
06 · MerchantPricing controls

Configurable pricing framework

A governed fee model spanning transaction and service pricing with validation before application.

  • Amount and transaction-count tiers; percentage, flat and hybrid fees
  • Min/max controls, effective dates, VAT treatment and overrides
  • Rule simulation and source-plan protection

03 · My MENA product footprint

Global platform thinking. Local market execution.

Select a market to explore the product context.

04 · Career progression

From regional technology to global product ownership.

Aug 2025 — Present
Pay10 Global · Dubai

Global Senior Product Manager

Current

Own strategy, roadmap and end-to-end delivery for wallet, merchant, payment and back-office capabilities across four MENA markets.

  • 15+ production-deployed PRDs and BRDs
  • Morocco wallet localisation and bill payments; Egypt Shop Builder
  • Merchant pricing controls and AI-powered product operations
  • Lead discovery, prioritisation, Agile execution, UAT, go-live and post-launch governance.
  • Align Engineering, Compliance, Risk, Legal, Operations, Commercial, banks, processors and vendors.
  • Define API behaviour, journeys, acceptance criteria, dependency maps and readiness gates.
Sep 2022 — Aug 2025
Mastercard · Dubai

Regional Senior Technical Services Analyst — MPGS

Regional technical product expert for enterprise merchant and acquirer integrations across EMEA.

  • API integration, configuration, UAT and production readiness
  • 3DS, tokenisation, Postman testing and Splunk investigation
  • Bridged merchants with Product, Engineering, Sales, Compliance and service teams.
  • Converted recurring technical pain points into structured product feedback.
  • Created enablement and troubleshooting guidance for consistent onboarding.
Jun 2024 — Oct 2024
Mastercard Gateway Project · Dubai

Senior Implementation Specialist

Concurrent project

Produced gateway implementation guidance translating architecture and API behaviour into actionable merchant enablement.

  • Validated functionality with Product and Engineering subject-matter experts.
  • Created structured integration playbooks adopted by customer success teams.
Jul 2021 — Sep 2022
Travelport · Dubai

Premier Helpdesk Analyst & Business Development

Owned complex enterprise support and customer development across MENA, feeding recurring platform gaps to Product and Engineering.

  • Used service patterns and customer feedback to improve support quality and client experience.
  • Maintained ownership through investigation, escalation and closure.
Jan 2015 — Jun 2020
Sabre Corporation · Egypt / Lebanon

Regional Business Development & Product Consultant

Drove product adoption and partner engagement by aligning travel technology with customer and regional market needs.

  • Ran discovery, market research, client interviews and requirement workshops.
  • Translated regional needs into feedback for the global product organisation.

05 · Product leadership model

Ownership beyond the backlog.

A full operating loop from market signal to measurable improvement.

01DiscoverCustomer, market & regulation
02DefineVision, PRD & journeys
03PrioritiseValue, risk & readiness
04BuildEngineering & partners
05ValidateUAT, defects & controls
06LaunchReadiness & go-live
07ImprovePerformance & feedback

06 · Capability ecosystem

Product judgement, payments depth and delivery control.

Payments

Money movement

Payment Gateways · Merchant Acquiring · Digital Wallets · Merchant Payments · Processing · Local Payment Methods

Technical

Integration fluency

REST APIs · Mastercard MPGS · 3DS · Tokenisation · Postman · Splunk · SQL Basics

Product

End-to-end ownership

Strategy · Roadmaps · Discovery · PRDs · BRDs · Jira · UAT · Release Planning

Regulation

Built-in controls

KYC · KYB · AML · CBUAE · CBE · BAM · CBB · Auditability

Leadership

Aligned execution

CPO alignment · Engineering · Compliance · Risk · Operations · Legal · Commercial · Banks · Processors · Vendors

Working toolkit

Jira

Confluence

Figma

Postman

Splunk

REST APIs

Agile / Scrum

HUMANCONTROLLED
AI WORKFLOW
OUTCOME

07 · AI-augmented product leadership

Applying AI to real operational problems—not presenting as an ML engineer.

I prototype controlled AI workflows for regulated product environments, using human-in-the-loop thinking, maker-checker controls and auditability to turn emerging capabilities into usable product operations.

  • Agentic Product Workspace and AI-assisted coding
  • Claude, agentic AI and MCP experimentation
  • Structured requirements, risk analysis and implementation planning
  • Multilingual TTS and speech localisation in Arabic, Moroccan Darija and French

08 · Foundation

Education & credentials

Education

Bachelor of Computer Science

Modern Academy · Cairo, Egypt

Graduation project: Smart Application for Computer Hardware and Accessories · Grade: Excellent
Certifications
  • Certified Scrum Product Owner (CSPO) · May 2026
  • Google IT Support Professional Certificate
  • Project Management Foundations
  • Six Sigma Foundations
  • TICO
Languages

Arabic Native

English Fluent

Build the next chapter

Building the next generation of payments across MENA?

Let’s talk about fintech platforms, digital wallets, product leadership or market expansion.