Strategic and results-driven Product Manager with 8+ years of experience leading high-impact initiatives across fintech and enterprise technology. Expertise spans loyalty digital transformation, API and SDK products, distributed systems, cloud migration, and generative AI applications. Known for driving measurable outcomes, mentoring teams, and presenting to executive leadership, including CEOs and senior VPs. Skilled at translating technical complexity into actionable product solutions that improve customer experience, reduce operational costs, and accelerate time-to-market.

• Led U.S. loyalty modernization across distributed systems and mainframe, partnering with 20–30 cross-functional stakeholders to define future-state embedded earn qualification and loyalty banking capabilities.
• Delivered end-to-end product execution — discovery, requirements, build, E2E testing, parallel comparison — identifying 20+ compliance exceptions, 10+ modern-infra issues, and resolving 10+ legacy defects causing millions in cardmember harm.
• Migrated Consumer MR, Business MR, MR Bank, and Cash Rebate programs to a unified distributed architecture, reducing time-to-market from months to a few weeks and enabling hundreds of millions in future mainframe cost savings.
• Drove product delivery for Cash Rebate, Business MR, and Cash Rebate Bank entirely independently, and established the transformation framework for Consumer MR (control analysis, root-cause cataloging, customer-issue prevention).
• Created scalable PM operating models: new PRD template, RICE prioritization model, SPIN feedback practice, and an audit-ready E2E testing framework adopted across teams.
• Acted as internal GenAI SME; used ChatGPT, copilots, and internal models to accelerate SQL/Excel analysis, automate discovery, and presented GenAI best practices to 100+ attendees.
• Mentored 4 junior PMs, established myself as the floor’s SME for embedded earn qualification and loyalty banking, and was selected by a Senior VP to independently lead Cash Rebate qualification and bank modernization.
• Received multiple senior-leadership shoutouts; work gained visibility up to the CEO during the enterprise-scale digital transformation.

• Launched “Bar Tabs,” enabling $1B+ annual transaction volume and resolving 10–15 high-impact UX and operational issues; improved NPS by 5%.
• Built analytics dashboard ranking ISV partners by traffic/revenue, improving partner prioritization.
• Led CEO-level escalation on quarterly planning, proposing 3 strategic options; CEO selected final execution route.
• Improved SDK/API onboarding by revamping developer documentation; collaborated with Sales/Field teams to influence enterprise deals.

• Senior Associate Product Manager, Loyalty APIs, Oct 2020 – Apr 2021
• Associate Product Manager, Loyalty APIs, Nov 2019 – Oct 2020
• Delivered 20+ internal and external-facing APIs, ensuring 99.9999% uptime; improved internal developer NPS by 10%.
• Spearheaded Postman-first testing, API lifecycle processes, and feedback programs to improve reliability and developer experience.

• Migrated $1B+ operational data from SaaS to hybrid in-house solution, reducing costs and increasing operational control.
• Built C#/.NET full-stack tools used by 100s of warehouse employees, automating workflows and improving efficiency.

• Provided incident triage and support for critical systems, improving uptime and response times for Sev1/Sev2 incidents.
• Enhanced Java code quality, reducing technical debt and enabling faster incident resolution.

ALI MUHAMMAD RAFIQ

EDUCATION: B.S. in Computer Science, Arizona State University

PHONE: (650) 666 9844

EMAIL: amrafiq994@gmail.com

LINKEDIN: LinkedIn Profile