Head of Direct Sales
Kuwait Real Estate Bank
Total years of experience :19 years, 1 Months
Kuwait Real Estate Bank 2009 -2011
Head of Direct Sales
Responsibilities: 1. Manage and supervise Sales Team
2. Implement the Bank Policies and procedures
3. Held training sessions for Technique of sales and cross selling
4. Achieve sales target for Bank's various products
5. Develops cross selling with corporate clients, in targeting business managers on a private point of view to meet the sales objectives set for investment sales and revenues an achieve liability growth through proactive, professional and compliant sales approach
6. Developing the customer's base by referrals and active marketing actions to conduct all sales and service activities within the risk and compliance parameters as defined by the bank.
7. Develop marketing plans for the whole year, selecting a list of high net worth clients to achieve the target.
• Last two years I was assigned to be Head of the Direct Sales where the department achieved 65% from whole Retail Banking Target in Murabahat (12 Million Yearly), Accounts (7 Million Fresh Money) and Visa Card.
• Customer's satisfaction: Achieved ZERO unsolved customer complain over 3 years.
Kuwait Real Estate Bank 2007 -2009
Branch Manager
Responsibilities: 1. Plane, organize, direct and control the branch activities and resources in order to meet retail banking objectives.
2. Review control the branch operating costs within the budget to maintain cost control.
3. Drive increase in branch revenue and ensure that the goals and objectives are met.
4. Designing and developing salary acquisition product being the first for all branches.
5. Manage the customer service functions of the branch and ensure the delivery of quality service to customers.
6. Have overall responsibility and accountability for the branch lending portfolio, monitor the conduct and regular repayment and ensure credit quality of the same.
7. Attract new business and expand current business by seeking consumer deposit accounts and lending from current and prospective clients.
8. Closely monitor market trends/competitor products in relation to customer requirements and make recommendations to the retail management for the same.
9. Preparation of sales information and analyses of the branch needed subsequently by the bank top management and maintain high standard of accuracy.
10. Develop and maintain customer relationships, individuals & employers, existing & prospective to enlarge the customer base.
11. Enhance both volume of new retail lending business as well size of branch's assets.
12. Identify training needs recommend guide rotate monitor and follow up in order to improve staff competencies.
13. Attract new business and expand current business by seeking consumer deposit accounts and lending from current and prospective clients.
14. Achieving sales targets by pro-actively marketing the Bank Credit products and services.
15. Take ownership of client complaints/issues, initiating action or resolving the problem and keeping the clients informed during the process.
Kuwait Real Estate Bank 2000 -2006
Branch operation officer
Responsibilities: 1. Check daily transaction
2. Manage Vault and approve teller posting
3. Responsible for reports and reply Audit inquiry
4. Provide Customer Services
Kuwait Real Estate Bank 1996 -1999
Retail officer
Responsibilities: 1. Open Accounts
2. Granting Loans
3. Sell Visa Cards
4. Open Fixed Deposit
5. Cross Selling bank's products
Kuwait Real Estate Bank 1992 -1995
Clerk
Responsibilities: Posting Transaction - Typing Ticket- Customer Correspondent.
• Globus System - New Bank System Team Member for Retail transaction- 12 Month.
• Islamic Banking - New Bank System Team Head for Retail transaction - 36 Month.
• UAT: Unit Acceptance Test Team Head for Retail transaction - 6 Month.
• Al Jood Time Deposit - Team Head for the product (Policy & procedures) -System implementation.
Bachelor of Economics - The Higher Institute of Co-Operation 1976-1980 - Egypt