Amal Abdelraouf

Direct both Product and Technology divisions for fast-scaling payment and local commerce app operating across Monaco, Aix-en-Provence, and Bordeaux.

Key achievements:

• Defined and executed a high-growth multi-market roadmap, facilitating expansion into 3 cities and managing 1,000+ merchants to capture €200M+ in annual transactions.
• Led product revamp (Flutter migration and UX redesign) resulting in a +20% increase in user conversion and +30% improvement in average payment time.
• Designed and launched automated multi-flow payment system for user payments, merchant payouts, and sponsor debits.
• Introduced Carlo Link, a merchant payment product, creating new revenue stream and enhancing B2B capabilities.
• Built and led cross-functional teams in Product, Engineering, Data, Design, and QA to drive initiatives.
• Drove innovation strategy by identifying opportunities, validating concepts with data, and leading zero-to-one projects.
• Oversaw modernization of backend architecture, payment integrations, and analytical frameworks.

Built a new business unit from the ground up consisting of Product Owners, Product Managers, Data Analysts, and Sales.

Key achievements:

• Founded and scaled a cross-functional Business Unit (Product, Data, Sales) that established product direction and delivery frameworks for a multi-industry platform portfolio (e-commerce, fintech, logistics).
• Led international product strategy across Monaco, Europe, UAE, and MENA, demonstrating expertise in tailoring products and market-entry strategies for diverse regulatory and consumer dynamics.
• Implemented agile product processes, elevating execution quality and client satisfaction.

Owned product vision and execution for multiple B2B and B2C platforms.

Key achievements:

• Led the end-to-end development of AlBaraka Bank’s mobile app, contributing to the digital transformation of an international banking group.
• Delivered Toddl, a Barcelona-based marketplace for kids’ activities, from discovery to MVP launch.
• Owned the roadmap for Howdy, a feedback & survey SaaS adopted by SMEG in Monaco and several banks in the Middle East.
• Conducted market research and user analysis to validate customer needs and guide product direction.
• Analyzed user feedback and data to improve product functionality, UX flows, and engagement.
• Collaborated closely with cross-functional teams to gather and prioritize requirements, ensuring alignment and delivery speed.
• Created clear product roadmaps that aligned internal and external stakeholders on timelines and strategic priorities.

• As a Full-Stack Developer/Project Manager at Carlo Company, I utilize my technical expertise and project management skills to deliver high-quality products on time and within budget.
• I specialize in full-stack development, including front-end and back-end development, database design, and API integrations.
• My experience in managing complex projects, leading cross-functional teams, and utilizing agile methodologies has enabled me to successfully deliver the project.

Optimized company operations, workflows, and execution processes.

Worked as a hybrid developer + project manager, building and delivering products from concept to launch across mobility, food delivery, and fintech.

Key achievements:

• Built Wasilni, a ride-hailing startup, from scratch—delivered an end-to-end MVP that enabled the company to launch, validate the business model, and acquire early users.
• Led development for BeeOrder, the leading food-delivery app in Syria, contributing to platform growth and operational scalability.
• Developed foundational features of Carlo’s fintech platform, supporting the early product vision and core payments architecture.
• Managed requirements, timelines, and cross-functional coordination, ensuring high-quality delivery across multiple products and markets.