Iftekharul Alam

Chief Operating Officer at Chaldal Payments Limited

19+ Years Driving Innovation in Fintech & E-commerce

Award-Winning Leadership

EBL Digital Excellence Awards 2025

Recognized for excellence in digital payment innovation and fintech transformation

Industry Thought Leader

Speaker & Panelist at Fintech Events

Sharing insights on digital payments, innovation, and the future of financial technology

Building High-Performance Teams

Leadership & Collaboration

Empowering teams to deliver exceptional results in fintech innovation

Strategic Partnerships

Industry Network & Collaboration

Building bridges between banks, fintech companies, and regulatory bodies

About Me

Seasoned fintech executive with 19+ years of experience building and scaling digital payment ecosystems across South Asia.

As Chief Operating Officer at Chaldal Payments Limited, I oversee strategic partnerships with global card networks (Visa, MasterCard), leading banks, and financial institutions. My expertise spans the full product lifecycleβ€”from conceptualizing Bangladesh's early digital wallets to driving transformation initiatives at scale.

I believe in building products that solve real problems. At Pathao, we launched a closed-loop wallet and achieved the #2 position in market adoption within just 5 weeks. At SSLCOMMERZ, I led a 35-member team that processed millions of transactions, laying the groundwork for Bangladesh's digital commerce revolution.

My approach combines deep industry knowledge with hands-on execution. Whether it's negotiating with regulators, architecting payment infrastructure, or coaching agile teams, I focus on delivering measurable business outcomes while building sustainable competitive advantages.

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Years in Fintech

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Team Members Led

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Major Companies

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Project Delivery Rate

Professional Experience

Chief Operating Officer

Chaldal Payments Limited Jan 2023 - Current
  • Managed strategic partnerships with banks, Visa, MasterCard, and financial organizations
  • Oversaw company's P&L management and corporate relationships
  • Led product development for digital wallet business
  • Directed HR strategy, team development, and performance management

Senior Manager, Transformation Management

Banglalink Digital Communication Ltd Sep 2022 - Jan 2023
  • Formulated digital transformation strategy and governance processes
  • Led process simplification and system automation initiatives
  • Developed comprehensive project management framework

Consultant, Digital Payment Solution

Oculin Tech BD Limited Sep 2021 - May 2022
  • Led new business and product development for billing platform
  • Directed strategic planning for digital payment platform
  • Conducted market intelligence analysis

Head of Product

Dmoney Bangladesh Limited Mar 2019 - Aug 2021
  • Achieved on-time delivery of all assigned projects
  • Coached agile and scrum teams for improved performance
  • Developed business requirements and software specifications

Head of Operations

Pathao Limited Mar 2018 - Feb 2019
  • Spearheaded Pathao's first closed-loop wallet development
  • Managed partnerships with banks and financial institutions
  • Achieved 2nd best wallet status in 5 weeks of launch

Manager, Digital Payment Solution

SSLCOMMERZ Jan 2009 - Mar 2018
  • Led 35-member team executing strategic initiatives
  • Managed relationships with all gateway banks
  • Increased online transactions across e-commerce platforms

Core Competencies

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Digital Payments

Payment gateway architecture, wallet systems, card network integration (Visa/MasterCard), mobile financial services

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Banking Partnerships

Strategic relationships with 20+ banks, regulatory compliance, settlement operations, risk management

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Business Strategy

Market analysis, competitive positioning, P&L management, go-to-market execution

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Product Development

End-to-end product lifecycle, agile methodologies, user research, feature prioritization

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Team Leadership

Building high-performance teams (35+ members), coaching, performance management, organizational design

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Digital Transformation

Process optimization, automation, change management, enterprise system integration

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Business Development

Revenue growth, merchant acquisition, partnership negotiations, market expansion

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Regulatory Affairs

Bangladesh Bank compliance, licensing, policy advocacy, audit management

Key Achievements

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Fastest Wallet Launch

Led Pathao's closed-loop wallet from concept to launch, achieving #2 market position within 5 weeks

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SSLCOMMERZ Pioneer

9-year tenure building Bangladesh's leading payment gateway, managing 35+ member team and all gateway bank relationships

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Digital Wallet Innovation

Launched multiple wallet products across different sectors (ride-sharing, e-commerce, enterprise billing)

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Global Card Integration

Established strategic partnerships with Visa, MasterCard, and international financial organizations

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100% Delivery Rate

Perfect track record of on-time project delivery across 19+ years and multiple organizations

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Market Entry Success

Consistently achieved rapid market adoption for new products through strategic planning and execution

Get in Touch

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Location

Flat A2, Keya Kanan, 262 B Khilgaon Residential Area, Dhaka, 1219 Bangladesh

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Phone

+880-1716145317

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Portfolio

iftekharayan.com