Modupay Labs

Organization

One platform, built by chapters, sold across domains.

The shape

One company, read two ways.

The org is a grid. Read it across and you see the business domains we sell into; read it down and you see the four craft chapters that build everything. Every person sits at one intersection — a domain and a craft.

Reads down ↓

Four craft chapters

Sell

Growth

Win and expand the business — turn interest into signed, growing revenue.

AcquisitionPresalesPricing
Define

Discovery

Define the product in detail — journeys, requirements, design, and the why. Runs ahead of engineering.

ProductDesignRoadmap
Build

Engineering

Build it to standard — owns architecture, quality, and the technical veto.

StandardsQAQuality veto
Ship & operate

Delivery

Get clients live and keep them live — go-live plus run & SRE.

Go-liveRun-opsSupportUptime

The base · serves all

Foundation

The shared core every domain reuses across all crafts — common standards, a design system, reusable services, templates and playbooks — so nothing is built twice.

The pivot

Every business domain (reads across →) is delivered by the same four craft chapters (reads down ↓) — one delivery lifecycle applied across all domains.

People belong to both a chapter (their craft) and a domain — that intersection is where the work happens.

DOMAINS CHAPTERS Sell Define Build Ship

Reads across →

Four business domains

Cross-cutting · serves every domain ↓

Business Ops — P&L · pipeline · coordination & admin: the connective tissue above all four.

Enterprise AI & Automation

Generic and enterprise AI plus workflow automation — cost saved internally, revenue earned externally.

Workflow Automation · cost-saving Enterprise AI · revenue

Digital Banking & Processing VAS

Bank-facing products and value-added services, delivered per segment.

Retail Merchant Corporate

Money Movement & Financial

Payment rails and regulated financial services.

IPN & Remittance Non-Banking Financial

Ecosystem & Bespoke

Partners, open APIs, and custom builds.

Ecosystem Bespoke
Owns the P&L

Labs Leader

Owns the Labs vertical's P&L. Every domain and shared function rolls up here.

This is the shape. Use Full matrix to see who does what, or How to read for the decisions behind it.

Across: domains & business linesDown: craft chapters

Foundation

Shared reusable core · standards · design system · integration — the base every team builds on. Serves all BUs.

Enterprise AI & Automation

Workflow automation + enterprise AI

Digital Banking & Processing VAS

Bank-facing products + VAS

Money Movement & Financial

Rails · regulated finance

Ecosystem & Bespoke

Partners · APIs · custom builds

Business Ops

P&L · pipeline · coordination · admin.

Cross-cutting

Workflow Automation

Internal · cost-saving. Automating our own operations · applied AI · MLOps.

Enterprise AI

External · revenue. AI products sold to customers.

Retail

Card mgmt + core-banking journeys.

Merchant

Acceptance, settlement, VAS.

Corporate

Enterprise journeys, B2B.

IPN & Remittance

Instant payments, cross-border.

Non-Banking Financial

FRA-regulated services.

Ecosystem

Partner / open APIs.

Bespoke

Custom client builds.

Growth

Acquisition · presales · pricing
Core growth & enablement
Automation adoption
AI product seller
Retail GTM · presales
Acquiring GTM · presales
B2B GTM · presales
Payments GTM · presales
NBFI GTM · licensing
Partner / DevRel
Bespoke presales

Discovery

PM + Design · runs ahead
Reusable services & models
Automation roadmap
AI product design
Retail journeys
Merchant / acceptance
Corporate roadmap
Rails · remittance
Non-bank & licensing
Integration · buy-vs-build
Bespoke design

Engineering

Standards · QA · quality veto
DevOps · Architects · integration std
Integrators · automation
ML · Data · MLOps · retrieval
FE · BE · Mobile · Test
BE · Integration · Test
FE · BE · Test
BE · rails · settlement
BE · compliance
API · DevEx · SDKs
Project eng — custom

Delivery

Go-live · run-ops · support · uptime
Release trains · SRE · uptime
Release · run-ops · monitoring
SaaS onboarding & support
Retail go-live & run-ops
Acquiring rollout & uptime
Corporate onboarding & support
Rails go-live & uptime
NBFI go-live & support
Partner onboarding & support
Custom go-live & support

Faded column (Non-Banking Financial) is postponed, not yet staffed. Hue = domain · top-bar weight = level · left-accent cell = a craft seat.

Domains & business linesCraft chapters

Foundation

Shared reusable core — architects & platform.

Enterprise AI & Automation

Workflow automation + enterprise AI

Digital Banking & Processing VAS

Bank-facing products + VAS

Money Movement & Financial

Rails · regulated finance

Ecosystem & Bespoke

Partners · APIs · custom

Business Ops

Cross-cutting · serves every domain.

+ hire
Okoye Systems-review agent

Workflow Automation

Cost-saving automation.

AI4UIUXAI4Dev

Enterprise AI

Revenue product.

RAG systemCall Center agent

Retail

The consumer app.

Banking AppCard AppRetail SDKsAI PFM

Merchant

Acceptance, VAS.

OneAccept PortalsPOS App

Corporate

B2B journeys.

Corporate BankingPayroll

IPN & Remittance

Rails, cross-border.

IPSPAPSS gateway

Non-Banking Financial

FRA-regulated · postponed to 2027.

Ecosystem

Partner / APIs.

VISA VFCVISA DirectVisa CybersourceMoMo

Bespoke

Custom builds.

MSMEDA

Growth

Acquisition · presales
Hussein Habib Product Head
Fady George Designer
Adam Presales agent
Karim Commercial agent
Amina Presales-quality agent
Attia Elsayed FullStack Builder
Postponed to 2027
Wafaa Ashraf Sr PM
Joseph Gayed Tech Lead
Gina Aziz Head of Product, Acceptance · Solutions team
Dina Tantawy Head of Product, Issuing · Solutions team
M. Refaat Sr. Eng Mgr.
Postponed to 2027
Dina Radi Partnership & BD Director · Partnerships
M. Refaat Sr. Eng Mgr.

Discovery

PM + Design
Hazim Architecture agent
Bayan CMS domain agent
Attia Elsayed FullStack Builder
M. Sohail Product Head
Wafaa Ashraf Sr PM
Sara Sobhy UX
Hager Ibrahim PD Intern
Outsourced external
+ hire
M. Farid Product Owner
Outsourced external
+ hire
Postponed to 2027
Attia Elsayed FullStack Builder
Wafaa Ashraf Sr PM
Sara Sobhy UX

Engineering

Standards · QA
M. Refaat Sr. Eng Mgr.
M. Taher Lead Architect
Ehab Gamal RN Lead
Hany Ramadan SW
+ hire · Quality
M. Farid Product Owner
Attia Elsayed FullStack Builder
Postponed to 2027
Joseph Gayed Tech Lead
Omar Essam Staff RN
Bassant Khattab Sr SW
Anthonios Sami RN PT
Hassan Tarek Sr SW
Ibrahim Beshir Sr SW
M. Shahin Sr Java PT
Rita Victor Testing Intern
+ hire
Youssef Shazly Sr SW
Hager A.QC Intern
+ hire
Outsourced external
+ hire
Postponed to 2027
Abdallah Albarmawi Principal Backend · integration
Outsourced external

Delivery

Go-live · run · support
Doaa Adel Agile Coach PT
Nour Client-context agent
Faris Pipeline agent
+ hire
Postponed to 2027
Joseph Gayed Tech Lead
Doaa Adel Agile Coach PT
M. Refaat Sr. Eng Mgr.
+ hire
M. Refaat Sr. Eng Mgr.
Postponed to 2027
Attia Elsayed FullStack Builder
M. Refaat Sr. Eng Mgr.
Gold = open hire · faded "Postponed to 2027" = deferred · struck-through = transitional (moving out) · ★ = multi-hat (multiple roles) · ◇ = Role covered by Modupay employee, outside this team · ◆ = AI agent · dashed border = outsourced · PT = part-time. Corrections ongoing.
Domain
A top-level grouping — Foundation · Enterprise AI & Automation · Digital Banking & Processing VAS · Money Movement & Financial · Ecosystem & Bespoke. Reads across the top.
Business line
A box inside a domain (e.g. Retail, Enterprise AI, Ecosystem). The unit with its own market and, where relevant, its own P&L.
Product
A product or app a business line ships — shown as tags inside each line box (e.g. Retail: Banking App · Card App · AI PFM). One line can carry several.
Chapter
A craft function shared down every column — Growth · Discovery · Engineering · Delivery. People belong to a chapter (their craft) and serve a line.
Cell / seat
A chapter × business-line intersection — the actual work that craft does for that line.
Business Ops
The cross-cutting corner team. Serves every domain and chapter.
Colour
One hue per domain — slate = Foundation, blue = Enterprise AI & Automation, purple = Digital Banking, teal = Money Movement, amber = Ecosystem & Bespoke.
Weight
deep tint + thick bar = domain header · soft tint + thin bar = business line · faded + left accent = a craft seat.
Faded column
Planned but not yet staffed (currently Non-Banking Financial and Bespoke).
Why it’s built this way

Digital Banking vs Retail — what's the difference?

Domain = the technology. Business line = the market.

Digital Banking is the shared platform (the "what"). Retail / Merchant / Corporate are the audiences it serves (the "who"). One platform, filtered by audience — "build by function, filter by audience, sell by value."

Foundation owns the reusable core; the segment lines only configure it — they never own their own stack. That org boundary is what prevents three divergent codebases.

Why is Business Ops in the corner?

It's cross-cutting — it sits at the origin, not inside a domain.

Business Ops (P&L, pipeline, coordination, admin) serves every domain across and every chapter down. Placing it at the (0,0) corner shows it belongs to the whole matrix, not one column.

Why merge Delivery and Reliability?

One chapter — Delivery — spanning go-live and run/SRE.

At our scale, two chapters would each be sub-scale. Ship and operate are the same half of the lifecycle, and merging removes the go-live→run handoff where balls get dropped.

Reliability survives as a named SRE track inside Delivery, owning the uptime SLOs — the same "quality veto" pattern Engineering uses — so the stability voice isn't drowned by go-live pressure. Re-split when the SRE track alone needs a full on-call rotation.

Where does integration work live?

Split by commodity-vs-specialized, and inbound-vs-outbound.

Foundation owns the standard + commodity pipes (SDK packaging framework, reusable connectors: SMS, push, KYC). Ecosystem & Bespoke owns specialized integrations (third-party scheme SDKs like Visa VFC, partner SDKs, one-off client work) — built to Foundation's standard. Each business line owns its own line-specific SDK/offering.

The need often surfaces from a line (e.g. SMS for the Retail app), but the owner is Foundation if it's reusable — trigger ≠ owner. That's what keeps "same technology" true across every line.

Why is AI its own domain?

Enterprise AI & Automation — two lines: Workflow Automation + Enterprise AI.

Workflow Automation is measured on cost saved; Enterprise AI on revenue earned. One talent home, two missions. Scorecard = revenue + savings − cost. (Financial-product AI & dashboards live in Data & Intelligence, not here.)

The same scarce ML/MLOps people serve both, so they share one home (standards, tooling, hiring). Keeping the missions as separate lines protects two different scorecards — and builds in the internal→external path: automation proven on our own ops graduates into bespoke bank automation.

Rejected: merging the two into one box — it re-buries Enterprise AI (which we deliberately surfaced) and muddies the per-line P&L.

Two bosses — who's actually accountable?

Accountability follows the outcome — one name per result.

Reporting lines are about people; accountability is about results. Every outcome has exactly one accountable owner.
ResultAccountable
The outcome — shipped, works, sellsBusiness line
Built well — quality, safety, scaleEngineering
On time / as promisedDelivery
Priority tie-breakProduct

Tip — click any title for its role scope, responsibilities & KPIs.

Modupay Titling Matrix
GrowthDiscoveryEngineeringDelivery
Talent SpectrumBandGradeJob LevelBusiness LeadershipGrowthDesignProductICMgmtQualityDeliveryAI Delivery (Agent Orchestration)
Executive (E)ExecutiveL1CEO
LeadershipL2Group Level
L3C-LevelManaging Director
Senior Managerial (SM)Senior ManagementD1Senior DirectorSenior Domain DirectorSenior Growth DirectorSenior Design DirectorSenior Product DirectorSenior FellowSenior Eng DirectorSenior Quality DirectorSenior Delivery DirectorSenior Orchestration Director
D2DirectorDomain DirectorGrowth DirectorDesign DirectorProduct DirectorFellowEng DirectorQuality DirectorDelivery DirectorOrchestration Director
D3Associate DirectorBU DirectorAssociate Growth DirectorAssociate Design DirectorAssociate Product DirectorDistinguished EngAssociate Eng DirectorAssociate Quality DirectorAssociate Delivery DirectorAssociate Orchestration Director
Managerial (M)ManagementM1Senior ManagerHead of GrowthHead of DesignHead of ProductSr Principal EngSr Eng ManagerHead of QualityHead of DeliveryHead of Agent Orchestration
M2ManagerSr Growth ManagerPrincipal DesignerPrincipal PMPrincipal EngEng ManagerSr QA ManagerSr Delivery ManagerPrincipal Orchestrator
M3Associate ManagerGrowth ManagerStaff DesignerLead PMSenior Staff EngTeam LeadQA ManagerDelivery ManagerStaff Orchestrator
Mid-Career Recruit (MCR)Senior ProfessionalsS1Section HeadGrowth LeadLead DesignerSenior PMStaff EngQA LeadSenior Delivery LeadSenior Agent Lead
S2LeadSenior Growth SpecialistSenior DesignerProduct ManagerSenior EngStaff QEDelivery LeadAgent Lead
Early Talent (ET)ProfessionalsP1Senior SpecialistGrowth SpecialistUX DesignerSenior POEngineerSenior QESenior Product Ops EngineerSenior Agent Engineer
P2SpecialistGrowth AnalystAssociate DesignerProduct OwnerAssociate EngQuality EngineerProduct Ops EngineerAgent Engineer
Entry Level (EL)P3Junior / CoordinatorGrowth InternDesign InternAssociate POEngineering InternAssociate QEProduct Ops AssociateAgent Operator

From heroics to a
scalable operating system

Modupay Labs works today because talented people stretch across too many roles. That is a strength — and a compounding risk. This is the operating model that trades heroics for structure, without losing startup speed.

The goal

Startup speed and execution discipline

Speed without discipline is chaos — missed commitments, reactive leadership. Discipline without speed is bureaucracy — stalled growth, frustrated talent. The model is built to hold both at once.

both Speed chaos alone Discipline bureaucracy alone
Most orgs slide to one pole. The target is the middle — by design.

The core idea

Two owners for every piece of work

Business ownershipwhat we serve — runs down the markets; each business line owns its P&L. Functional ownershiphow we execute — runs across the crafts; shared standards, shared people. Every initiative sits where a market meets a craft.

MARKETS — WHAT WE SERVE → CRAFTS ↓ Retail Merchant Corporate Growth Engineering Delivery the work line × craft
The work lives in the cells — one owner across (the line), one owner down (the craft).

When the two owners disagree

The line owns the outcome; the craft owns the standard

Two managers, no tug-of-war. Your line / squad (solid) sets priorities, owns the outcome and writes your review; your craft chapter (dotted) owns the standard, the hiring bar, calibration and a quality veto. The line owns what, whether, when & the money; the craft owns who & how-well — real authority over outcomes, without letting delivery pressure erode the bar.

LINE / SQUAD — solid Owns the outcome · what, whether, when & the money · sets priorities · writes your review CRAFT CHAPTER — dotted Owns the standard · who & how-well · hiring bar & calibration · quality veto one seat
One seat, two managers — the solid line sets the outcome, the dotted line guards the standard.

How ownership becomes visible

Every initiative names an owner at each step

Wants it Sells it Shapes it Builds it Delivers it Measure it learnings → next cycle Accountable across all of it — one name: the business line
The loop closes it — what we deliver and measure feeds the next sell — and one name stays accountable across the whole cycle. If any step is unnamed, the model surfaces the gap.

Where it’s heading

Every craft, augmented by AI agents

Engineers already build with agents by default — there is no “engineering agents” box. The named role sits in Delivery: an AI delivery manager (agent orchestrator) who runs a workstream end-to-end — discovery to delivery — by directing a fleet of agents, with Foundation reviewing the output. Designing the org around this shift, rather than bolting it on later, is the advantage.

Delivery Manager orchestrates people a squad AI Delivery Manager orchestrates agents a fleet
Same job — run a workstream end to end — one directs people, one directs agents; Foundation reviews the output either way.

What it removes

The hidden risks of a people-dependent model

Multi-hat employees · tribal knowledge · vacant roles · leadership overload. On the Staffed view, the (multi-hat) and +hire markers are exactly these gaps — surfaced so they can be closed, not carried indefinitely.

What it delivers

Five pillars

GrowthStructure aligned to revenue opportunities
QualityStronger engineering & product standards
DeliveryMore predictable execution
Transparency & ControlClearer decision rights across the org
PeopleLess overload, clearer ownership

Isn’t this over-built for today?

Lean now, layered later

Today one person wears several hats — that is what the marks on the staffing view. The chart is the destination, not day one: it fills in on triggers, not a calendar, so every hire and promotion already has a place to land.

SCALE → Today lean · ★ many hats ~6 people team splits out of Foundation ~15 people team splits into several ~3 teams hire a chapter director
Triggers, not a calendar — drawn at its mature shape so the org grows into it.

The shift

What changes

From

Informal coordination. Individual heroics. Leadership memory.

To

Structured ownership. Scalable engines. System-driven accountability.

Not proposed: new VP layers, big-bang reorganisation, mass hiring, or process for its own sake. Proposed: clear ownership at every level, a phased transition, and a structure that grows with us.