FinTech · Digital Payments · MENA

Asem
Dawod

Business Development Manager — FinTech & Digital Payments

Building payment ecosystems, institutional partnerships, and cross-border remittance infrastructure across MENA — from strategy through integration and go-live, within regulated financial environments.

Amman, Jordan · Open to regional & international opportunities
Portrait of Asem Dawod, FinTech Business Development Manager
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About Me

Turning FinTech Opportunities Into Scalable Revenue

I'm a Business Development Manager based in Amman, Jordan, with deep expertise in fintech infrastructure, digital payments, and cross-border remittances. My work sits at the intersection of commercial strategy, product thinking, and deal execution — I don't just find partners, I build ecosystems that generate measurable impact.

At Dinarak, one of Jordan's leading CBJ-licensed mobile wallet providers, I lead institutional partnerships across government, NGOs, universities, and corporates — designing customized payment solutions and taking them from concept to live deployment.

I've managed 20+ institutional partnerships, led international remittance corridor expansion engaging global MTOs, and delivered solutions spanning mobile wallets, QR payments, disbursement systems, BNPL, and donation platforms. I work within regulated environments and understand AML/CTF compliance, pricing strategy, and the full partnership lifecycle.

Digital Wallets Cross-Border Payments Institutional BD CBJ Regulated MENA Markets AML/CTF Product Commercialization

Regulated FinTech Expertise

Deep understanding of Central Bank of Jordan (CBJ) regulations, PSP licensing, and compliance requirements across digital payment environments.

International Remittance Reach

Active engagement with 10+ global MTOs including TapTap Send, Xoom (PayPal), WorldRemit, Ria, Wise, and others — driving inbound remittance corridors into Jordan.

Multi-Sector Partnership Portfolio

Partnerships spanning government entities, NGOs, universities, healthcare institutions, and international development organizations — each with a tailored commercial solution.

Data-Driven Commercial Strategy

Pricing frameworks and revenue models built on transaction data, market benchmarks, and competitive analysis — not guesswork.

Career Timeline

Professional Experience

A track record built across FinTech, financial services, and business development — progressing from financial analysis to leading strategic partnerships at Jordan's leading mobile wallet.

Business Development Manager
Dinarak — Mobile Wallet & Digital Payments
Feb 2025 – Present

Orchestrating end-to-end partnership strategies and customized fintech solutions to expand market reach and institutional impact across Jordan and the MENA region.

  • Secured and managed 20+ institutional partnerships across government entities, NGOs, universities, and corporates — delivering payment platforms, prepaid card programs, and disbursement systems.
  • Drove international remittance expansion: progressed ~25% of targeted MTO opportunities to proposal stage and ~7% to advanced technical and integration discussions.
  • Managed 15+ technical integrations and delivered 10 successful go-lives, aligning technical, compliance, and operational teams throughout.
  • Designed pricing frameworks that improved profitability across key accounts by 25–30%, benchmarked against transaction behavior and market data.
  • Increased overall business pipeline by 40% through structured outreach, targeted market expansion, and improved lead qualification.
Business Development Manager
Arab Therapy
Jan 2025 – Feb 2025
  • Built and executed end-to-end outbound lead generation strategies, optimizing prospecting, segmentation, and engagement frameworks.
  • Achieved 44% conversion rate within the first three weeks, surpassing industry benchmarks and securing key corporate and HR partnerships.
Strategic Business Development Consultant
Several FinTech & Real Estate Startups
Jun 2023 – Dec 2024
  • Advised executive teams on growth strategies, contributing to a 15% revenue increase through market expansion and new product lines.
  • Designed data-driven sales training programs, improving average deal size by 10% and reducing sales cycle time by 25%.
  • Developed customer segmentation models using CRM tools, increasing qualified leads by 30%.
Business Acquisition Manager
SCARDU Payment Services
Apr 2022 – May 2023
  • Led fintech business acquisition and high-risk project negotiations, driving strategic partnerships and new market expansions.
  • Implemented global sales expansion strategy, signing partners on 10 new platforms within six months using CRM-driven prospect management.
  • Collaborated with Agile development teams to identify and close product gaps, securing new business opportunities.
Business Development Manager
Homes Real Estate
Jan 2021 – Apr 2022
  • Achieved a 55% lead-to-closed transaction rate through CRM-driven prospect re-engagement and targeted advertising.
  • Managed contract negotiations with executive-level decision makers across local and international markets.
Relationship Manager
Risk Consult Limited (RCL)
Aug 2018 – Jan 2021
  • Conducted in-depth credit assessments and client analysis; proactively engaged key decision-makers to build long-term partnerships.
  • Identified new sales opportunities, driving business development and contributing to organizational growth.
What I Do

Core Expertise

A focused set of capabilities built through hands-on work in regulated fintech environments across MENA.

FinTech Business Development

Strategic Partnerships & Deal Structuring

Digital Wallets & Payment Ecosystems

Cross-Border Remittances

Institutional & B2G Sales

Pricing Strategy & Revenue Optimization

Regulatory & Compliance Alignment (AML/CTF)

Product Commercialization

NGO, Healthcare & Humanitarian Programs

Contract Negotiation

Technical Integration Management

CRM, Pipeline & Data-Driven Reporting

Featured Work

Key Projects & Partnerships

Selected institutional deals and payment ecosystem implementations — each built from commercial structuring through technical go-live.

Tier 1 — Flagship FinTech & Digital Payments
Cross-Border · Remittances
International Remittances Program
Led end-to-end business development and onboarding efforts with global remittance providers across key international corridors. Managed commercial discussions, partner onboarding, API enablement discussions, operational lifecycle management, and payout expansion through Dinarak's wallet ecosystem.
✓ Active multi-corridor pipeline progressing from commercial discussions to technical integration
NGO · E-Commerce
Mercy Corps Jordan — E-Commerce Enablement
Enabled digital payment acceptance for SMEs participating in Mercy Corps-supported economic empowerment programs. Facilitated onboarding and payment integration initiatives to support digital commerce adoption among program beneficiaries.
✓ Digital payment adoption expanded across SME beneficiary network
Government · Marketplace
Royal Scientific Society — Yadawi Marketplace
Led Dinarak's payment integration partnership for the Yadawi e-commerce marketplace. Coordinated payment gateway implementation, merchant onboarding, settlement processes, and digital payment adoption across the platform.
✓ Live payment integration on Jordan's national e-commerce marketplace
Healthcare · Institutional
National Center for Diabetes
Designed and negotiated a comprehensive digital financial ecosystem: master wallet architecture, sub-wallet structures, ERP integration requirements, Request-to-Pay (R2P) functionality, and future patient payment digitization initiatives.
✓ Reduced cash handling; enhanced institutional financial visibility and control
Payments · Merchant Acquiring
E-Commerce Payment Gateway Expansion
Acquired and onboarded numerous online merchants into Dinarak's payment acceptance ecosystem. Worked across integration planning, pricing structuring, commercial agreement execution, and activation strategies to grow the merchant base.
✓ Expanded Dinarak's e-commerce merchant accepting footprint
Education · Government
Public Universities Digital Payments Initiative
Led commercial discussions and partnership development efforts with public universities to enable tuition payments, student financial services, and wallet adoption programs across campuses.
✓ Digitization of student payment journeys at public higher education institutions
Education · Private Sector
Private Universities Digital Payments Initiative
Developed strategic partnerships with private higher education institutions to digitize student payments, expand financial inclusion, and integrate Dinarak's wallet solutions into institutional financial workflows.
✓ Wallet-based payment adoption across private university partnerships
Education · International
American Spaces — U.S. Embassy Jordan
Developed digital payment solutions supporting educational and community engagement programs under the American Spaces initiative, enabling efficient program disbursements and participant payment management.
✓ Digital payment infrastructure supporting Embassy-sponsored community programs
Government · Social Welfare
National Aid Fund (NAF) & Takaful Programs
Participated in digital disbursement and payment framework development to support social welfare beneficiaries under the National Aid Fund and Takaful programs, contributing to financial inclusion at scale.
✓ Digital disbursement framework supporting vulnerable population programs
Regulatory · Central Bank
CBJ Digital Acquittal Initiative
Contributed to digital payment adoption initiatives involving Central Bank of Jordan–directed digital collection mechanisms, supporting the broader national financial digitization agenda.
✓ Active contribution to CBJ-directed digital payment infrastructure
Tier 3 — NGO & Humanitarian Financial Inclusion
Humanitarian · International
AVSI International Programs
Supported digital payment solutions for humanitarian and community development programs, including FIFA-funded initiatives and Grow Together projects — covering commercial structuring, fee negotiations, and program expansion discussions.
✓ Payment solutions deployed across AVSI-managed humanitarian programs
Humanitarian · NGO
International Rescue Committee (IRC)
Structured beneficiary disbursement models and wallet-based payment frameworks for IRC humanitarian programs, developing commercial pricing structures and identifying program expansion opportunities.
✓ Strengthened Dinarak's positioning in the humanitarian disbursement sector
NGO · Charity
Taalof Al Khair
Developed a charitable payment infrastructure including institutional wallets, CliQ integration with multiple aliases, and a structured donation collection and management framework to streamline giving programs.
✓ Live digital charitable payment infrastructure
NGO · Charity
Tkiyet Um Ali
Led digital donation and campaign payment initiatives for one of Jordan's largest charitable organizations — including dedicated Ramadan campaign wallets, program sub-wallets, and a new digital donation framework.
✓ Enhanced donation transparency and donor payment experience
NGO · Social Impact
Al Aman Fund for the Future of Orphans
Built digital donation channels, Ramadan and Eid campaign payment journeys, Donation Hub integration, and mobile wallet donor engagement initiatives supporting orphan welfare programs.
✓ Expanded charitable payment capabilities and social impact portfolio
Tier 4 — Advanced FinTech Product Development
FinTech · Healthcare
TajPay Healthcare BNPL Ecosystem
Participated in designing a wallet-based BNPL healthcare financing solution — master, subscription, and upfront payment wallets in Phase 1; voucher ecosystem and clinic settlement enhancement in Phase 2.
✓ Novel BNPL payment model for the healthcare financing sector
Education · Institutional
Aqaba Training Centers Digital Wallet Program
Designed institutional wallet and voucher solutions for vocational and educational programs — one business wallet, eight operational sub-wallets, and voucher distribution and management capabilities.
✓ Fully operational multi-sub-wallet disbursement system
Platform · Charity Tech
Donation Hub Development
Helped expand Dinarak's centralized charitable giving infrastructure — a unified Donation Hub serving multiple NGOs with consolidated donation collection, routing, and reporting capabilities.
✓ Centralized platform serving multiple charitable organizations
Payments · Merchant Acquiring
Merchant Acceptance & QR Payments Expansion
Expanded merchant acquiring and QR payment acceptance across multiple sectors — driving adoption of contactless and digital payment methods through commercial agreements, integration support, and activation strategies.
✓ Broader QR and digital payment acceptance footprint across key sectors
Global Reach

International Remittance & MTO Partnerships

Leading Dinarak's international remittance corridor expansion — building the end-to-end commercial and operational infrastructure required to onboard global money transfer operators and digital payment networks into Dinarak's wallet payout ecosystem, within the CBJ regulatory framework.

Step 01

Regulatory Framework & Compliance Readiness

Establishing the CBJ-compliant operational foundation required for cross-border wallet disbursements — including AML/CTF alignment, digital payout authorization requirements, licensing boundaries, and regulatory communication protocols relevant to international remittance partnerships.

Step 02

Operational Architecture & Flow Design

Mapping end-to-end transaction flows, settlement cycles, reconciliation mechanisms, and exception handling processes — then translating these into structured operational documentation and flow diagrams for clear communication with international partners.

Step 03

Partner Outreach & Relationship Development

Identifying and approaching global MTOs and digital payment networks through structured outreach strategies — building pipeline across multiple international corridors while nurturing long-term relationships with key decision-makers and technical stakeholders.

Step 04

Commercial Proposal & Value Proposition

Crafting tailored commercial proposals outlining Dinarak's wallet payout capabilities, Jordan market coverage, transaction volumes, regulatory standing, and strategic fit — aligned to each partner's geographic priorities and product requirements.

Step 05

Pricing Profile & Revenue Structuring

Developing competitive, sustainable pricing frameworks built on transaction volume modeling, CBJ-regulated fee structures, corridor benchmarks, and settlement terms — balancing partner competitiveness with Dinarak's profitability targets.

Step 06

Negotiation, Agreement & Onboarding

Leading commercial negotiations, managing NDA execution and legal coordination, overseeing API enablement discussions with technical teams, and driving the full onboarding process through to live activation and operational handoff.

Background

Education & Certifications

Education

Bachelor of Accounting
University of Jordan
Amman, Jordan · Graduated 2014
GPA: 3.2 / 4.0 — Very Good

A strong foundation in financial analysis, reporting, and business operations — directly applicable to pricing strategy, revenue modeling, and commercial deal structuring in fintech environments.

Certifications

Frictionless Sales
HubSpot Academy
Tax Expert
IGCA — International Group Consultation Academy
Practical Accounting
IGCA — International Group Consultation Academy
Accountants Training
Majody for Auditing
Value Proposition

Why Work With Me

01

I Build Ecosystems, Not Just Deals

Every partnership I pursue is designed to generate recurring, measurable revenue — not a one-off transaction. I structure commercial frameworks that scale with the relationship.

02

Deep Regulatory Fluency

I operate inside CBJ-regulated environments daily. I understand AML/CTF requirements, PSP licensing constraints, and how to structure deals that hold up under compliance scrutiny.

03

End-to-End Ownership

From first commercial discussion through technical integration and go-live — I own the full partnership lifecycle. 15+ integrations and 10 successful go-lives in under 18 months.

04

Multi-Sector Institutional Network

I've built active relationships across government, NGOs, universities, healthcare, and international development organizations — a network that opens doors across the MENA region.

Let's Connect

Ready to Build Something Together?

Whether you're looking to explore a partnership, discuss a payment solution, or simply connect — I'm always open to the right conversation.