SAÏD AFROUKH

– Led end-to-end delivery of payment and digital solutions for banks, fintechs, and enterprise-oriented ecosystems across Europe and North-West Africa. – Designed and deployed commercial card programs, tokenization services, SoftPOS solutions, and digital identity/authentication flows, supporting B2B and corporate payment use cases. – Worked closely with issuing banks, PSPs, and payment networks to define product scope, functional requirements, and implementation roadmaps. – Coordinated cross-functional teams (product, engineering, security, legal, compliance, operations) to ensure on-time delivery from contract signature through implementation and go-live. – Acted as the main interface between business stakeholders and technical teams, translating enterprise and issuer requirements into executable product and delivery plans. – Supported post-launch phases: adoption monitoring, performance optimization, security enhancements, and feature evolution. – Engaged with regional payment infrastructures and regulators (GIM-UEMOA, GIMAC, NIBSS, GHIPSS) to ensure compliance, interoperability, and scalability of deployed solutions. – Delivered executive steering committees, progress reporting, and decision support throughout project lifecycles.

– Managed the design and rollout of digital and connectivity solutions for large enterprise clients across multiple industries. – Led discovery workshops with multinational clients (EDF, Tesla, Louis Vuitton) to understand operational workflows, pain points, and transformation needs. – Defined solution architectures and implementation plans covering secure digital services, IoT-based platforms, authentication, and transactional workflows. – Coordinated internal product, technical, legal, and delivery teams to ensure solution feasibility, compliance, and successful deployment. – Oversaw complex project timelines, stakeholder alignment, and delivery milestones in enterprise environments. – Built strong expertise in enterprise-grade project governance, procurement cycles, and contractual frameworks.

– Delivered consulting missions for banks and telecom operators focused on digital transformation and process optimization. – Conducted business and functional analysis on payments-adjacent workflows, onboarding processes, and transaction processing chains. – Defined transformation roadmaps, business cases, and implementation recommendations for senior stakeholders. – Supported delivery teams during execution phases to ensure alignment between business objectives and technical implementation. – Developed early expertise in regulated environments and multi-stakeholder project delivery.