Chief Business Development Officer
The Saudi Credit Bureau
Total years of experience :19 years, 0 Months
Managed a group of relationship managers and team leaders who serve over 4000 clients with an excess of SAR 21 billion in assets. Overcame several challenges in terms of restructuring the department and providing a higher exposure of products cross-sell, while growing the Assets by 15%. Achievements: Grown the Asset portfolio by 15% in 2010 due to new customer acquisition and cross-sell Secured the government's first unemployment program Shifted major government clients from manual transactions to electronic channels, led to SAR6 million saving in operational costs.
Primary accountability for overall revenue budget achievement in respect of Cash Management and transactional banking products.
Developing the Liability Portfolio through increasing and maximizing cash flows and Deposits of corporate clients.
Generate revenue booked in country, through the sale of a range of products to existing or targeted clients, working in conjunction with product partners as appropriate i.e. trade, treasury etc.
Achievements:
In 24 months, managed to grow the business by 133% year on year
In 2009 overachieved liability target by 30% and fee target by 100%
Built a sales team consisting of 3 Regional Heads, 6 Product Managers and 5 support officers
- Structuring and customising Cash Management products, i.e. Payments, Receivables, Liquidity Management, Corporate Employees Products, B2B & the main gateway; Online Banking.
- Setting Marketing and Sales strategies.
- Identifying opportunities in the Saudi Market in terms of prospects, partners & Outsourced Companies.
- Marketing & promoting e-banking services for both Cash & Trade Corporate Clients.
- Developing the Liability Portfolio through increasing and maximizing cash flows and Deposits of corporate clients.
- Managing the related departments on each project, i.e. Operations, IT, Customer Services.
Achievements:
Developed the strategic initiative and structured the business from a start-up. Launched the corporate electronic platform in Saudi Arabia in coordination with our Regional Bahrain office & Head Office in Paris.
-Relationship Manager for the Global and Local cash management & liability relationships, were I will cater there day to day needs and promote BNP Paribas cash management products.
-Managing the operations department, clearing house unit and SARIE unit.
-Managing the customer services section and all its products, i.e. accounts, term deposits, check books, stop payments, Internal transfers, outward transfers, drafts, standing orders, check collection and check discounting.
-Managing the teller section and all its products, i.e. cash receipts and cash payments (LCY/FCY), controls over cash held, reconciling, receiving and processing checks for outward clearing.
-Setting and implementing policies, procedures, guidelines and jurisdictions for all the above processes.
-Representing BNP Paribas at SAMA for SARIE implementation, security and management.
-Member of BOOC "Banking Operation Officers Committee"
-Managing the implementation of the e-check project and member of the "e-Check Law, Regulations, Rules, Business process re-engineering and change management Workgroup"
Achievements:
Got the branch established from scratch and fully operational within a span of 2 months.
-Managing a portfolio of more than 85 local and global relationships consisting of over 180 accounts.
-Having the primary duty of keeping these relationships within the Bank by making our customers happy and satisfied through providing them the best services and innovative solutions which address their banking and business needs, such trade, cash management products (Samba Receivables Solutions, Samba Payable Solutions, Electronic Banking; Samba Access), treasury services, credit, personal finance, investment etc.
-Focusing on requirements for specific customer segments such as embassies, non-government organizations, airlines, travel agencies, healthcare, insurance and structure acquisition / penetration programs for such segments.
-Heavily involved in structuring an efficient, cost effective and viable Cash Management solutions to my customers which demand extensive coordination with the Operations, Technology, Relationship Managers of Corporate Banking Group, Samba Top Management and with Citibank, globally through Dubai and London, formalization of the proposals, making presentations and getting customers agreement to do business with us.
-Researched potential markets, developed client referral resources and initiated contacts with prospects.
-channelling information on market developments and changing customer needs.
Achievements:
Increased my portfolio by 35% within a period of 12 months.
-MIS: Tracing of performance indicators, budgeting and forecasting.
-Tracking Cash Management products individually and their allocated revenues and expenses.
-Compliance: Supported the information security and implemented compliance programs comprising of international and local regulations hence forming departmental policies and procedures.
-Integrated controls into the department processes across all units to insure adherence and compliance, providing all necessary tools: process flows, diagrams checklists, forms, calendars, etc.
-Conducted and supervised the quarterly self review process, which is an internal departmental audit.
-Coordinated and participated in the continuity of business for the department covering the planning, quarterly reviews and annual testing.
-Information Security: Promoted awareness of Information Security Policy and Standards. Review policies, standards and guidelines of Information Security.
Achievements:
Successfully managed security standards transformation
Managed to reduce the number of non-compliant activities by 50% through training and increasing awareness
A 14 module MBA program with electives in Risk Management and Corporate Finance. Dissertation in Behavioural Finance, titled "Are investors rational? And how behaviours are impacting financial decisions: A mixed method in Saudi Arabia"
cover key areas including • portfolio management • credit analysis • global investment banking • international financial markets • financial regulation • international derivatives and risk Focused on post financial crisis case studies
*Covered many subjects e.g.: Economics, Statistics, Accounting, Banking Operations, Marketing, Treasury, Selling Skills, and Communication Skills. *All courses were conducted in English. *Graduated 3rd in my group.
