Meet Our Expert Team

Affak Ayub Chogaley

General & Operations Leader | FinTech, BPO, Forex & Remittance Expert
Affak Ayub Chogaley is a highly accomplished operations and business development leader with more than 20 years of experience in FinTech, BPO services, retail forex, and global remittance operations. He brings a strong track record of driving operational excellence, enhancing compliance frameworks, and scaling financial services across Qatar, Oman, the UAE, and India.

Known for his strategic mindset and hands-on leadership, Affak has successfully managed multi-branch operations, led digital transformation initiatives, and built long-standing partnerships with banks, financial institutions, and global money transfer networks. His expertise spans foreign exchange operations, cross-border payments, digital remittance platforms, internal controls, compliance, and end-to-end workflow optimization.

Affak has played a key role in launching and managing major financial products such as Forex KIOSKs, multi-currency travel cards, and automated payment systems, ensuring robust performance and customer-centric service delivery. His strong grounding in BPO process management, KPI-driven operations, and business intelligence has consistently contributed to improved efficiency and organizational growth.

With exceptional communication, analytical, and leadership skills, Affak continues to be recognized as a dependable expert who elevates operational standards, strengthens regulatory alignment, and supports sustainable business expansion. His commitment to excellence and innovation makes him an invaluable part of our expert team.

Mohammad Gaus Shaikh

Assistant Vice President – Relationship & Wealth Management
FinTech | BFSI | Cross-Border Banking | BPO & Operations Expert

With over 16 years of experience in banking, financial services, and global customer advisory, Mohammad Gaus Shaikh is a seasoned professional known for building high-value client relationships and delivering strategic financial solutions across India and Qatar. His expertise spans NRI & local account acquisition, wealth management, cross-border banking, lending solutions, and operational excellence.

Throughout his career with leading institutions such as Doha Bank, AU Small Finance Bank, HDFC Bank, Kotak Mahindra Bank, and Reliance Nippon, he has consistently driven revenue growth, enhanced client engagement, and strengthened financial portfolios for diverse customer segments, including NRIs, expatriates, and corporate professionals.

At Payorbit International Advisory, he plays a key role in developing and executing customer-first strategies across:

• NRI & Domestic Banking Solutions – NRE/NRO/FCNR accounts, global onboarding, and cross-border banking support

• Wealth & Investment Advisory – Mutual funds, SIPs, ULIPs, retirement planning, portfolio diversification

• Lending & Credit Solutions – Home loans, personal loans, secured/unsecured loans, credit cards

• Cross-Selling & Financial Planning – Tailored financial solutions aligned to customer goals

• Forex, Compliance & Operational Support – Delivering high standards of service across global banking processes

Recognized for his professionalism, resilience, and consultative approach, Gaus has a proven track record of managing key relationships, expanding distribution networks, and delivering measurable business impact in competitive financial markets.

He brings a strong blend of sales leadership, customer engagement, compliance understanding, and fintech-oriented advisory skills, making him a valued expert in Payorbit’s global financial services ecosystem.

Why Choose Us

With extensive experience across remittance, foreign exchange, and fintech services, we bring deep industry knowledge that drives results. Our strong regional network spanning the Middle East, India, and Asia enables us to navigate complex markets with confidence and deliver seamless cross-border solutions.

We pride ourselves on our rigorous approach to compliance, maintaining the highest standards in AML/KYC protocols and regulatory readiness. This commitment ensures your operations remain secure, compliant, and future-proof in an evolving regulatory landscape.

Our partnerships with trusted technology providers and service vendors give you access to cutting-edge solutions without the complexity. We've successfully launched and enhanced remittance operations for numerous clients, bringing proven methodologies that accelerate time-to-market while minimizing risk.

Above all, we believe in building long-term partnerships founded on quality, transparency, and mutual success. When you work with us, you gain more than a service provider—you gain a committed partner invested in your growth and excellence.

Our Vision

To be a leading global advisory partner enabling financial institutions and remittance businesses to embrace digital transformation, achieve operational excellence, and deliver secure, seamless services across borders.

Our Mission

To provide strategic guidance, innovative solutions, and operational support that help businesses build compliant, scalable, and customer-focused remittance and financial service operations worldwide.