Samar Kidwai

Head of Products Personal Banking and SME at Commercial Bank Of Dubai

• United Arab Emirates - Dubai
• My current job since October 2016

Head of Products
Accomplishments
•Developed Bank of tomorrow (BoT) strategy with segment focus i.e. default Digital for mass customers and Digital/RM strategy for affluent customers.
•Product and Process lead in Direct from Customer, Digital banking project. Launched the following products:
•Credit Cards, Personal loans, Salary Advance and OD: 4 & 12 steps disbursement for Existing and New customers
•First bank in the region to offer instant Islamic personal finance
•Instant preapproval for Mortgages,
•Instant Account opening,
•Instant Remittances, Bancassurance policy issuance
•Instant Business Banking account onboarding
•Planned and executed Personal Banking Assets Growth strategy through Mortgages and Credit Cards with 75% growth in Mortgages volumes (broker strategy/developer programs).
•Developed business banking strategy (liabilities driven) and product program, led to growth of 90% growth in CASA balances and secured assets growth of 28%.
•Developed “Liabilities strategy” with focus on lowering cost of funds, drive CASA and Fee income.
•Overall reduction of 58% in Cost of acquisition (CoA) by Distribution channels (branch and sales) optimization, Process efficiencies and digital service enhancement.
•Strategic Alliance with key government (DED, FAHR, ICA), corporate banking customers to launch preferential segmented packages and programs.
•Portfolio quality management to ensure Credit cost is controlled, growth in select segments.

Advisor at Loyalitics Consulting

• My current job since September 2015

founder

• September 2015 to October 2016

Head at Barwa Bank

• Qatar
• September 2009 to April 2016

(Products Development and Marketing Campaigns) all Assets and Liabilities products including
•Personal Finance, Mortgages, Auto Loans and Credit Cards
•Contactless payments, Bancassurance and Wealth Management products
•Qatar’s first shariah compliant Millionaire account
•Digitization of core products and services including “3 step approval of Car Finance”
•Driving Sales across channels through channel optimization and insights.

at UBL

• United Arab Emirates
• March 2009 to August 2009

Group Product Manager at Noor Islamic Bank

• United Arab Emirates
• August 2008 to February 2009

Skype: samar_kidwai
LinkedIn: https://qa.linkedin.com/in/samarkidwai

Head at ICICI

• India
• April 2008 to July 2008

• January 2006 to March 2008

head at UIL

• India
• October 2004 to December 2005

Sales Manager

• June 2002 to September 2004