Tatiana Volkova

Embedded micro-lending product for the Qatar market under central-bank oversight. 11+ parallel workstreams; three external partners; regulator review at every stage.

Tech stack: In-house build (cloud, Qatar data residency) with DWH and external KYC, payment-partner and Ooredoo wallet integration (UI-driven agent); team of 20 internal across 11 streams — 5 engineers (1 FE / 2 BE / 2 DevOps), 2 QA, 1 designer, 1 back-office, 2 CRM, 2 risk, 2 DWH, 2 notifications, 2 billing, 1 collections — plus 8 external partner contributors across 3 vendors (2 KYC, 3 payment, 3 Ooredoo).

• • Brought Shareeq Neo — Fingular's embedded micro-lending product — from regulator framing through to live

operations. Product covered KYC, regulator-mandated cooling-off windows, partner-bank integrations and post launch fraud monitoring.

• • Set up the delivery rhythm from scratch: biweekly steering with the bank, weekly cross-team checkpoints with the three external partners, single tracker for inter-team dependencies. Twenty-eight of thirty integration milestones landed in the planned sprint.

• • Wrote the compliance documentation pack and the post-launch monitoring framework the central bank used to clear the product for go-live and BAU operations.

• • Unblocked disbursement under a missing partner API: built an automated agent that interacted directly with the Ooredoo customer UI — the bank's compliance team signed off the workaround as part of the sandbox approval. ~300 loans issued through the QCB sandbox.

Enterprise programs across Qatar's national payment infrastructure and CBQ's retail digital agenda. Mapped and sequenced 10+ enterprise systems for the national debit card programme; direct reporting line to the COO; board-level governance.

Tech stack: 10+ enterprise systems orchestrated: mobile + internet banking, branch / front-office, CRM (Microsoft Dynamics 365), enterprise service bus, core banking, card processing & personalisation (PRIME), ATM network (NCR), Kafka, self-service card kiosks, reporting, and compliance & InfoSec controls; team of ~24 total — 19 across 12 enterprise systems (1 mobile, 1 internet banking, 2 branch/front-office, 2 CRM, 2 enterprise service bus, 1 core banking, 2 card processing & personalisation, 2 ATM, 1 kiosks, 1 reporting/DMS, 2 compliance, 2 InfoSec) — plus 5 business stakeholders.

• • Delivered Himyan Debit Card under Qatar's national payment framework — owned delivery and signed off the

regulator readiness pack. Zero critical incidents at go-live.

• • Enabled pre-approved card activation through in-app document upload — customers stopped having to walk into a branch to upload a salary slip.

• • Scoped and led eKYC integration across the credit lifecycle and digital signature for credit documents — both

regulator-driven, both still in flight when I left, handed over to my successor.

Tech stack: Flex (core banking)

• · domestic card-scheme rails

◦ · mobile-app

◦ · multi-vendor (NCR, Diebold) ATM network

◦ · external NFC module vendor (sourced under acute supply constraints)

◦ · PRIME (card-center) Team: ~34 contributors total — 19 across core platforms (Flex

◦ · domestic card-scheme rails

◦ · mobile app

◦ · ATM network

◦ · external NFC) + 4 PRIME + 11 business stakeholders, including a board-member sponsor

• • Replaced ad-hoc project intake with a quarterly capacity-balanced portfolio review across the 8 engineering teams.

Scope creep dropped to a quarter of its previous level; on-time delivery climbed from a poor 60% to a healthy 78%. The change was process-only — no headcount added.

• • Launched a virtual card product under acute plastic-and-chip supply shortages — defined business requirements with the national payment scheme, provisioned BIN ranges, integrated with the mobile-wallet ecosystem. ~50,000 virtual cards issued; ~300,000 active mobile users regained full payments without physical plastic.

• • Ran the parallel ATM track to make the digital-first card actually usable for cash withdrawal: sourced an NFC module vendor under acute supply constraints, prioritised the top ~200 ATMs by usage and rolled NFC across them. 12% of cardholders used contactless ATM withdrawal within the first 90 days.