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Said AfroukhSA

Said Afroukh

Monetics (ePayment) Product/Project Manager

€833/day
Paris, FR
15+ years

Average response time: 1 hour

Freelancer profile translated to English.
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About Said

Senior Product Manager / Project Manager with over 15 years of experience in the design, deployment, and scaling of electronic payment solutions for banks, fintechs, payment networks, and B2B ecosystems.

Expert in corporate and B2B payments (commercial cards, virtual cards, digital onboarding, tokenization, authentication, acceptance), with a strong ability to operate at the intersection of business, product, IT, security, compliance, and operations.

Accustomed to driving end-to-end initiatives, from the product discovery and scoping phase to implementation, go-live, and post-launch optimization, in regulated and multi-country environments.
  • French

    Native or bilingual

  • English

    Native or bilingual

  • Arabic

    Native or bilingual

Remote only
Primarily works remotely

Experience

  • IDEMIA
    Product & Project Lead – Payments & Digital Solutions
    SOFTWARE PUBLISHING
    October 2016 - December 2025 (9 years and 2 months)
    Paris, France
    Product & Project Lead – Payments & Digital Solutions

    End-to-end management of payment and digital identity projects for banks, fintechs, and corporate-oriented ecosystems in Europe and West Africa.

    Design and deployment of commercial card programs, tokenization solutions, SoftPOS, and digital onboarding and authentication journeys.

    Scoping of functional requirements with issuing banks, PSPs, and ecosystem partners, definition of product scope and deployment roadmaps.

    Coordination of product, IT, security, legal, compliance, and operations teams to ensure compliant, secure, and timely deliveries.

    Primary interface between business and technical teams, translating client needs into functional requirements and implementation plans.

    Monitoring of post-go-live phases: adoption, performance, security, and feature evolution.

    Collaboration with regional payment networks and infrastructures (GIM-UEMOA, GIMAC, NIBSS, GhIPSS) to ensure compliance, interoperability, and scalability.

    Facilitation of steering committees, executive reporting, and management of key decisions throughout the project lifecycle.
    IT Strategy IT Project Management Business Analysis Functional Specifications
  • Orange SA - Orange Digital Ventures
    Product & Project Manager B2B – Corporate Digital Solutions
    TECH
    January 2010 - October 2016 (6 years and 9 months)
    Paris, France
    Management of the design and deployment of digital and connectivity solutions for major international clients.

    Facilitation of discovery workshops with major clients (EDF, Tesla, Louis Vuitton) to analyze their business processes and identify transformation levers.

    Definition of solution architectures and deployment plans covering digital security, IoT, authentication, and transactional workflows.

    Coordination of internal teams (product, technical, legal, delivery) to ensure the feasibility, compliance, and quality of deliverables.

    Management of schedules, project milestones, dependencies, and risks in complex, multi-stakeholder environments.

    Strong exposure to project governance, procurement, and contracting processes in a major client context.
    IT Architecture Project Planning and Scheduling Digital Transformation Product Management Business Development
  • Niji
    Consultant – Digital Transformation (Telecoms & Financial Services)
    DIGITAL AND IT
    January 2007 - December 2009 (2 years and 11 months)
    Paris, France
    Consulting missions with telecom operators and banks on digital transformation and process optimization projects.

    Functional analysis of customer journeys, back-office workflows, and payment-related processes.

    Development of business cases, roadmaps, and operational recommendations for business units.

    Support for delivery teams during implementation phases.

    Development of a solid understanding of regulated environments and multi-stakeholder projects.
    IT Strategy Functional Specifications Digital Transformation Consulting Organization Consulting

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Education

  • MBA – Business Management
    IAE Paris – Sorbonne Business School
    2014
  • Master of Science – Electrical & Electronic Engineering
    University of Bristol
    2007

Skill set (14)

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