Kashif Gaya

Head E-Banking - Faysal Bank

Kashif is a dynamic executive with over 15 years of diversified experience in the development and implementation of innovative payment products and solutions; with strong expertise in digital transformation, technology convergence and digital banking.

He is a digitally passionate and results driven leader with a broad range of geographical and functional experience with successful track record and experience across Digital Banking, Payments, Innovation, Digital Analytics, Technology, Digital Transformation, Product development, CRMs and Business Intelligence.

He has a strong background and experience in leveraging innovation to lead and drive high scale projects having executed digital transformation and optimization initiatives by effectively driving change and innovation.

At present, he is associated with Faysal Bank Limited in a senior leadership role for driving the overall performance of all the digital / e-Banking channels (ATMs, Internet, Mobile, Contact Center, SMS etc.), Debit & Prepaid Cards, Branchless Banking and other Payment / Innovation initiatives; along with defining and leading the strategic vision to leverage technology to innovate, transform and maximize the digital channel usage and enhance the overall operational efficiency of the franchise network.

Prior to joining Faysal Bank, Kashif has also served for Standard Chartered Bank in a senior country management role, where he had successfully formulated and executed large strategic and transformational agendas making Pakistan one of the strongest contributors amongst all Standard Chartered countries in the digital banking space. He joined United Bank Limited in an era when eBanking and Payments was a highly under developed area of banking in Pakistan; and was essentially one of the founding members of a group of passionate individuals which initiated the need to productize payments and emerging financial services in the country and helped UBL lay foundation of the largest & most innovative eBanking programs in the local banking sector.

Additionally, during his professional career, he has also worked in various other roles such as the Pre-Sales Manager – Technology Convergence, Head of Customer Experience & Alternative Distribution Channels and Head of Software Development.

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