Mohamed Sameer, Senior Product Manager, Fintech, SaaS & Applied AI

01 / Connected products

In fintech, the app is only the surface.

A transfer button looks simple. Behind it are limits, permissions, failed transactions, and integrations that need to agree. My work connects that customer experience to the requirements and systems underneath.

Customer-facing

Consumer appAccounts, transfers, budgeting

Merchant portalCollection, settlement views

Corporate portalBulk payments, roles, approvals

Product layer

Mobile walletIssuance and lifecycle

Bill paymentsBiller network, retries

Digital lendingScoring, limits, repayment

Shared controls and integrations

KYC and AMLOnboarding, screening, audit trail

Reconciliation and settlementLedgers, disputes, cut-off

Bank and third-party APIsSwitch, core banking, gateways

02 / Selected experience

Selected work

Six banking products under one roadmap. An AI-assisted review of 357 screens and states. An education launch with a fixed deadline. Different challenges, connected by clear decisions and careful delivery.

SilverKey Technologies

Sep 2022 – Mar 2026

Product Manager, digital banking portfolio

Owned roadmap and delivery across six connected products: consumer app, merchant portal, corporate portal, mobile wallet, bill payments, and digital lending. Led a cross-functional Agile team from discovery through UAT and release. My work included lending and BNPL workflows, configurable credit eligibility and approval rules, and card, wallet and merchant-acquiring integrations.

12+in the cross-functional Agile team

6products under one roadmap

3.5 yrscontinuous ownership

PaymentsWalletsCards Digital lendingKYC / AMLBRD standardisation

Independent practice

Sep 2023 – present

Product Manager and Independent Consultant

Full-time independent since March 2026, helping founders and teams define products and move delivery forward. Engagements span product strategy, MVP scope, B2C SaaS and AI-enabled products, including embedded-finance use cases for a Saudi client. I coordinate dependencies across teams and use agentic AI for prototypes, requirements analysis and design reviews.

Top RatedUpwork status

100%Job Success Score

18Upwork projects

MVP scopingProduct strategyBusiness analysisPrototyping

Tqweem Masr

2017 – 2019

Founding Product Manager, edtech

Built the product function from the ground up, leading discovery, roadmaps, requirements and Agile delivery across authoring tools, the learning platform and administration systems. Launched a B2B schools programme that generated more than $50,000 in annual revenue after its first year.

60%user growth, Q1 2018 to Q4 2018

<30%of the prior year's budget

$50K+annual B2B revenue after its first year

S3Geeks

2011 – 2017

Product Strategist and Executive Officer

Led distributed teams and regional programmes in Upper Egypt, working across product strategy, community and partnerships. Became Executive Officer in April 2016 and represented the organisation at a World Bank conference in Marseille that year.

2011–17product and community leadership

Apr 2016became Executive Officer

2016World Bank Conference, Marseille

Tawasol Academy

2020

Product Manager

A four-month window timed to the Egyptian final exams. User and competitive research, A/B testing on creative and content, then a live streaming service launched into a seasonal demand spike that would not wait for a second attempt.

Millionsof organic views in two weeks

A/B testscontent and creative validation

4 monthsresearch to launch

Applied AI in practice

Independent consulting

Requirements, design review and rapid prototyping

For a fintech merchant app, I directed an agentic AI workflow to compare requirements with design content across 357 screens and states. The review produced 26 prioritised findings and 8 delivery gaps. I prepare the source material, break down the work, and validate outputs against requirements and acceptance criteria.

357screens and states reviewed

26prioritised findings

8delivery gaps identified

Agentic AIUI/UX reviewSource-grounded analysis

03 / Approach

How the work actually runs

Start with the problem, make the trade-offs explicit, and keep learning after release. I adapt the depth and pace to the team and the decisions in front of us.

01

Discover

Stakeholder interviews, market and competitor analysis, constraint mapping. Finding out what is actually being asked for, which is rarely what was first said.

02

Define

Business requirements document, use cases, user stories with acceptance criteria, user flows, and a clickable prototype. A shared reference for business, design, and engineering.

03

Deliver

Sprint cadence, backlog ownership, QA planning, release sequencing, and the stakeholder communication that keeps scope from quietly expanding.

04

Measure

Instrumentation, funnel and cohort review, experiment backlog. Deciding what the next release should contain based on evidence rather than the loudest voice.

04 / Work together

Ways to work together

Most engagements take one of three shapes. All three start with a conversation about what you are actually trying to prove.

Build-ready MVP package

Focused scope, agreed together

You know the problem you want to solve. I help you turn it into a first release: the essential journeys, the rules behind them, and a scope your team can estimate.

Business requirements document
User flows and core logic
Clickable Figma prototype
Technical breakdown for engineers
Prioritised scope: first release versus later

Let’s discuss your MVP ↗

Fractional product manager

Ongoing, part-time

An experienced product partner for a launch, a roadmap reset, or a hiring gap. I work with your team on the decisions, requirements, and follow-through that keep delivery moving.

Discovery and requirements
Sprint cadence and backlog ownership
Stakeholder and vendor management
Release planning and QA coordination
Delivery against agreed outcomes

Let’s discuss your team ↗

Product strategy and analysis

Focused review or strategy engagement

When the backlog keeps growing but the direction feels less clear. We look at customer needs, business goals, and delivery constraints, then decide what deserves attention next.

Roadmap and portfolio audit
Competitive and market analysis
Funnel, analytics and instrumentation review
Requirements process standardisation
Localisation strategy for MENA and GCC

Let’s discuss your product ↗

05 / In their words

What colleagues and clients say

From LinkedIn recommendations and Upwork contract feedback, where I hold Top Rated status with a 100% Job Success Score.

I believe Mohammed is one of the best people to work with.

Upwork clientUI/UX and business offers analysis, August 2026

I worked with Samir as our PM on multiple projects, and things always went smoothly. A big reason was his ability to understand different stakeholders and communicate between them, making sure everyone was aligned no matter how different their backgrounds or perspectives were.

Ebrahim SamirSoftware Engineer, SilverKey Technologies

He is organised, proactive, and keeps projects moving smoothly. His clear communication and problem-solving mindset make him a strong asset to any team.

Mohamed TaherMobile Application Developer, SilverKey Technologies

He always had questions to ask — questions that unveil valuable information we could not have known if he had not brought our attention to it, which proves he is remarkably adroit and skilful by nature.

Ahmed ElshahatSenior Product Manager in AI, fintech and operations

Outstanding work that exceeded expectations. He drafted a complex technical project document with a high level of professionalism and clarity, and delivered more than what was required.

Upwork clientTechnical documentation engagement, 2025

He is very passionate about the work he undertakes and commits a great deal of time and effort to ensuring he delivers on his promises. If I had an opportunity to hire Mohamed as a Product Owner or Digital Project Manager, I would not hesitate for a moment.

Effie MossMentor in Digital Project Management, OpenClassrooms

Mohamed provided real-life examples to answer my questions. The consultation was very helpful and informative. I definitely recommend him to others.

Upwork clientProduct consultation, 2026

06 / A little context

About

I have spent more than ten years working across digital products, strategy and delivery, from edtech and subscription platforms to fintech. I work through the details that connect a customer journey to a functioning system: payment rules, lending decisions, approval flows and the requirements teams need to build them.

Today, my independent practice combines product leadership with hands-on agentic AI. I use it to build rapid prototypes, compare designs with requirements and produce structured documentation. The work still starts with a clear question and ends with checking the result.

I’m based in Cairo and work in Arabic and English. I’m open to remote roles worldwide, with a focus on Saudi Arabia, the GCC and Egypt, as well as consulting engagements.

Based inCairo, Egypt

LanguagesArabic, English

Delivered inEgypt, GCC, Turkey
Europe, United States

Open toRemote product and project roles
Consulting engagements

EducationBBA, HIMS · In progress
Year 3 · Expected July 2028

CourseworkDigital Project Management
OpenClassrooms · 2019–2020

Domain and craft

What I know well enough to be useful on day one, and the tools I use to get there.

Fintech domain

Digital banking
Payment processing and gateways
Mobile wallets and card issuance
KYC, AML and audit requirements
Digital lending and BNPL
Reconciliation and settlement

Product craft

Business and technical analysis
BRDs, use cases, user stories
Roadmapping and prioritisation
Agile and scrum delivery
Release planning and QA coordination
Stakeholder management

Tools

Jira, Confluence, ProductPlan
Figma, Miro, Balsamiq
Mixpanel, Amplitude, GA4
Hotjar, Microsoft Clarity
A/B testing and experimentation
Codex, ChatGPT, Claude, Gemini

Certifications

Product Masterclass, Product School
Project Management Certificate, Google
Become an Agile Project Manager, LinkedIn Learning

Experience

Sep 2023 – presentProduct Manager and Independent Consultantvia Upwork

Sep 2022 – Mar 2026Product ManagerSilverKey Technologies

Nov 2021 – Feb 2022Product ManagerScicom X, Abu Dhabi

Apr – Jul 2020Product ManagerTawasol Academy

Jul – Sep 2019Product Management ConsultantAlMunif Holding, Saudi Arabia

Jan 2017 – Dec 2019Founding Product ManagerTqweem Masr

May 2016 – Jul 2018Digital Account ManagerCournal Agency, remote

Jun 2011 – Jan 2017Product Strategist and Executive OfficerS3Geeks

Perspectives

Writing

Ideas I explore on LinkedIn, in Arabic and English. These are perspectives, not predictions. Each link opens my recent posts.

Egypt's next fintech wave is not another consumer app

Wallets, BNPL and bank apps are crowded. The opening is in the unglamorous layer underneath, reconciliation, risk engines, settlement, integrations. Apps get attention; systems create defensibility.

The $20 a month AI era might be temporary

A prompt, a long reasoning task and a generated video do not cost a provider the same thing. My read: chat gets cheaper, execution gets expensive, and pricing ends up closer to electricity than to Netflix.

Vision is not validation

A direction can feel right while the product, timing, and distribution remain unproven. Why those are separate questions.

From product manager to product executive

Why strong PMs stall around senior. At some point you stop being measured by what ships and start being measured by the quality of your judgement.

Most startup ideas do not fail because they are bad

A promising idea still needs clear assumptions, useful requirements, and a first release small enough to learn from.

Tell me what you're building.

Tell me what you’re working on, where things feel stuck, and what you need next. Whether it’s a product role or a consulting project, that’s a good place to start.

Start a conversation ↗ LinkedIn Upwork · Top Rated

mohamedsameercontact@gmail.com

Open to remote product and project roles worldwide, with a focus on Saudi Arabia, the GCC and Egypt. Available for consulting engagements.