Mohammed Kamal

Managing Partner

Granada Venture Funds · New York City Metropolitan Area

Present

Partnering with visionary entrepreneurs to transform financial services and healthcare through breakthrough technologies. From seed to scale, we provide the capital and expertise needed to build category-defining companies.

Founding Partner

ElgwailyKamal · New York City Metropolitan Area

Present

- A boutique M&A advisory firm serving the lower middle market, combining institutional-grade rigor with practical, owner-operator judgment. - Helping business owners and buyers navigate complex transactions with clarity and confidence.

Limited Partner

Mendoza Ventures

Present

-Investing in early growth Fintech, Cybersecurity and AI startups. -Advising startups and VC funds investing in FinTech -Raising venture capital

Venture Partner

Mendoza Ventures

• Incubating businesses and investing in early-stage companies • Raising capital and connecting portfolio companies to customers to drive growth • Advising startup founders on scaling up and partership opportunities • Sourcing sector defining Fintech and Vertical AI startups for investment

Limited Partner & Advisor

Geek Ventures · New York City Metropolitan Area

- Investing in visionary immigrant entrepreneurs - Focused on Pre-seed/seed B2B SaaS, B2C software, hardware, and deep tech companies.

Svp of Engineering / Cofounder, Billpayments

Mastercard · Greater New York City Area

-Created a customer focused, lean and efficient organization settings a template for the operating model and future transformations within Mastercard. - Reduced operating costs by 35%, by driving a large scale Agile transformation, instilling Lean product management, standard team topologies and Domain driven design principals. -The Product Engineering executive lead in charge of the build, scale and global expansion of Billpay in North America, LATM and Europe. -Lead the global integration and synergy creation efforts with the acquisition of Arcus (Mexico), resulting in a rapidly growing scale-up within Mastercard. -Managed the strategic divestment and sale of part of the Billpay portfolio of products, enhancing the overall bottom line.

Svp of Engineering, Consumer Applications / Transfer Solutions

Mastercard · New York City Metropolitan Area

-Lead a cross functional, 650-person agile Product, Engineering, Operations and compliance organization, expanding MasterCard's market share in non-carded payment flows. - Scaled the payments and remittance products to support a 50% growth in transaction volumes against a headwind of nationalism and compliance challenges. - Served as the Engineering Cofounder and Technology executive for the MasterCard BillPay Pay by Account, and Send (payments) suites of products. -Managed the corporate & commercial M&A integration of Transactis into the Consumer Applications division.

Svp & Coo, Pay By Bank

Vocalink, a Mastercard company · London Area, United Kingdom

- As COO of Pay by Bank App in the UK, launched and one of the first Pay by Bank implementations leveraging Realtime payments globally. -Built, scaled and launched a global variant of Pay by Bank Application that subsequently launched in India,Singapore and Australia establishing Mastercard a global leader in multi-rail (Card,Account based) payment applications. - Built an Internal innovation incubator which resulted in the fostering internal team creativity to build product grade solutions in the areas of online checkout, digital wallets and Billpay as a service.

Vice President, Mergers & Acquisitions

Mastercard · Greater New York City Area

Facilitated the commercial integration of acquisition(s) into MasterCard to deliver technology synergies and top line growth. Directed solutions architecture & delivery governance of new payment applications. Assessed and evaluated strategic investments ($50M) and partnerships in the areas of Realtime payments (RTP), Bill payments as well as Payments Access products. -Completed the commercial integration of Vocalink into Mastercard enabling the international rollout, scaling and evolution of Vocalink’s Realtime payment products via MasterCard’s scale and global footprint. -Accelerated the design and successful delivery of new products and services resulting from M&A activity. Expedited e-commerce channel market entry by 6 months, leveraging outcome driven partnerships.

Senior Director, Software Engineering

MasterCard · Troy, MI

Drove technology transformation & modernization initiatives. Managed mission critical Engineering delivery programs. Formulated technical platform roadmaps based on the business strategy, market risks and demands. Served as the Technical owner of the Debit dispute processing & back-office applications. Consulted on regulatory impact to payment systems. -Built geographically diverse engineering teams on large scale initiatives infusing modern skill sets and talent into the broader organization. -Delivered a suite of transaction processing Back office tools, transforming a cost center into a revenue generator ($5M+). -Pioneered the usage of Agile delivery within the core processing groups, resulting in quicker time to market, and better customer focus.

Sr. Architect, Software Engineering

MasterCard · Troy, MI

Oversaw MasterCard Debit System Platform & Solutions Architecture. Executed API enablement of core payments (Java, J2EE, JBoss, EXTJS, AngularJS). -Rearchitected the Single Message (Debit) System Web Tier enabling opportunities to better monetize data and expand into new customer segments, ultimately driving a 5x increase in revenue.

Principal Software Engineer

Mastercard · Troy, MI

Migrated legacy architecture to object oriented modular design. Implemented Middleware & Hardware agnostic application design. -Rearchitected the MasterCard Debit authorization platform (C++), enabling scale in transaction volumes, data richness, along with minimizing vendor lock-in.

Senior Software Engineer

MasterCard · Troy, MI

Software Quality Assurance Engineer

MasterCard · Troy, MI

Technical Account Manager

Innovative Transaction Solutions · Bronxville, NY