aYo
Michael Karam is the Group Head of Business Architecture and Analysis at aYo Holdings, where Michael leads a team focusing on the creation and delivery of micro-insurance and financial products across Africa. Prior to their current role, Michael held various positions at GroupM and IQbusiness South Africa, where Michael managed projects with a strong emphasis on product design, business analysis, and UX design. With a Bachelor's degree in Marketing and Economics, Michael has a solid educational background to support their professional experience.