Senior Director Enterprise Banking
Alrajhi Bank
مجموع سنوات الخبرة :27 years, 5 أشهر
Manage the non-borrowing client segment: enhance their relation with the bank by increasing the liabilities & cross-selling LCs, LGs, electronic solutions, cash collection, payroll, direct debit; cash deposit cards, dividend distribution & escrow account. And trying to convert them to borrowing segment.
Manage the non banking financial institution (NBFI) segment & enhance their relation with the bank in liabilities, borrowing & cash management solutions .
Manage corporate network branches kingdom wide; in sales, service, quality, HR & operation
Manage 6 corporate service centers in (Riyadh, Jeddah, Dammam, Al-qassim & Jubail Industrial city). Which provide cash & non cash services to corporate clients only.
Key Responsibilities & Achievements:
- Build clear objectives with a solid incentive plan for the first time after four years of working without any defined objectives. And support them in achieving that challenging goals.
- Increase the network liabilities by 25% in less than a year.
- Increase the cross-selling for cash management products from zero to 497 customers that is 160% of the year end goals.
- Increase the quality of the service provided in the branches to the internal & external customers.
- Assure all network members take the correct training needs & apply it in the daily work.
Promote the sales of Cash Management products throw the bank 500+ branches
Key Responsibilities:
- Manage and direct all Branch activities in Marketing, Operations, Treasury, Credit and Personnel Administration in an organized and professional manner to ensure efficient services to Bank’s customers, profitable operations, strict controls and effective communication at all staff levels.
- Achieve Branch’s asset growth and earning objectives through implementation of the Strategic Plan recommending appropriate amendments where required.
- Maintain, and where needed, enhance the good image of the Bank through public relations, and delivery of high quality service.
- Identify, analyse an understand present and future market opportunities and/or trends with the objective of recommending to Senior Management suitable strategies and tactics to exploit them for sound and profitable growth.
- Lead, motivate and set the example for key officers in order to maintain high degree of professionalism, technical competence, commitment to institutional goals and loyalty.
- Keep Senior Management update on all aspects of Branch activities, regulatory environment and market conditions through adhoc and routine reporting.
- Directly supervise all internal control function of the Branch to ensure strict adherence to Bank Policies and Procedures.
- Manage and motivate staff for a variety of different tasks in addition to often communicating on a cross divisional basis.
Key Achievements:
- Established the first specialized branch in the eastern province for the Corporate & Commercial clients.
- Within three months I open many new accounts with * * million SR balance, and before the end of the first year I achieved * * * million SR in current accounts which exceed 400% of the target.
- Attract more than 30 new valuable companies (Small Business, Commercial & Corporate) asking for credit facilities within the first six months.
- Enhance a good image of the Bank and deliver a high quality service that amaze our customer.
Key Responsibilities:
-Lead a team of 30 employees across Dammam, Jubail and Hafr Al Batin, and reported to the sales manager in the head office in Riyadh.
- Implemented efficient working processes, administered account payable and receivables, and improved customer service in the bank.
- Resolved work-related problems and generated branch progress and monthly financial reports.
- Recruited competent staff identified their training needs and trained the personnel on job duties, and company policies.
- Ensured the bank’s policies and procedures are implemented according to established norms and recommended improvements.
Key Achievements:
-Instituted the Trading and Finance Group specializing in Islamic loan financing on June 1997 as founder patriarch. Achieved a record-breaking revenue growth of one Billion SR in 2000 of the group from a non- profit making division.
-Accelerated the Trading and finance group partaking in the bank profit from zero on 1997 to 80% on 2003 enjoying the most revenue generating division of the bank.
-Originated marketing plans that reversed previously recorded minimum sales achievement during the summer of 2001.
-Accredited the best quality center award and set a model center that was adopted kingdom wide. Devised and implemented best practices for total quality management.
-Increased customer satisfaction to 90% by conceptualizing perfect solutions to fit customer needs.
-Orchestrated a multimedia advertising and brand positioning strategy for the new Islamic product (Saudi shares) achieving 80% transference from car loans that exceeded the previous target, which was 50% at the end on 2002.
-Notably augmented the monthly sales in a record 2 month for the Dammam branch from less than 10 millions to over than 60 millions SR, and significantly improved the customer service of the bank across the kingdom within 6 months.
- Analysis the clients "SWOT", "4Ps", and "3Cs", then represent our marketing study recomindations in a presintation show.
-accelerated advertising space selling like outdoors, electricity bills, King Fahd bridge signboards and specialist magazines.
- Assessed the characteristics of products to be promoted and advised on the advertising needs of the organization.
- Developed and implemented advertising campaigns appropriate for print or electronic media
- Built strong client relationships, maintained high service standards and implemented best practices.
- Associated promotional activities and ensured that targets where achieved.
- Consolidated business within existing clients and identified new business opportunities.
Key Accounts Managed:
Nadec Dairy, Al Zamil Air-condition, Segma Paints, Kudu Restauorants, AlJumaih Automobiles "GM", British Embassy, AlDharan International Exibition, Sa'ad Aldeen Pastry and other FMCG companies.
• Program For Advanced Leadership and Entrepreneurship “PALM7” (Mile) 25 – 30 Apr 2015 ➢ Financial Decision Making / Prof. Michael J Ho, University of Virginia, USA ➢ Multinational Business Strategies & Globalization / Prof. Walid Hejazi, Rotman, University of Toronto, Canada ➢ Corporate Entrepreneurship and Business Simulation /Dr. Muhammad Azam Roomi, Cranfield University, UK ➢ Strategy Development and Deployment using Balanced Scorecard /Dr. Mohamed Moustafa Mahmoud, Advisor to the Minister of Labor, KSA • Financial Crime & Sanction (EY) 21 Jan 2015 • Corporate Governance (IFC World Bank Group) 19 Jan 2015 • People Development & Coaching “ARB PIONEERS program” (DC Gardner London) 18– 21 May 2014 • Strategic Management in Banking “ARB PIONEERS program” (DC Gardner London) 13– 17 Apr 2014 • Building the Performance Management Culture “ARB PIONEERS program” (DC Gardner London) 16– 19 Mar 2014 • Negotiation Skills “ARB PIONEERS program” (DC Gardner London) 2 – 6 Feb 2014 • Change Management “ARB PIONEERS program” (DC Gardner London) 15 – 19 Dec 2013 • Project Management “ARB PIONEERS program” (DC Gardner London) 3 – 6 Nov 2013 • Finance for Non-Finance Managers “ARB PIONEERS program” (DC Gardner London) 8 – 12 Sep 2013 • Communication & Presentation Skills “ARB PIONEERS program” (DC Gardner London) 18 – 22 May 2013 • Leadership Skills “ARB PIONEERS program” (DC Gardner London) 7 – 10 April 2013 • Certified Islamic Finance Executive CIFE™ (Ethica Institute of Islamic Finance) Dec. 2011 – Jan 2012 • Developing Islamic Banking Products (Almujaz) 23 – 25 October 2010 • Marketing and Selling Islamic Finance Products (HRD) 16 – 18 October 2010 • 6th World Islamic Economic Forum (WIFE) 18 – 20 May 2010 • Preparation of Marketing Plan (The Institute of Banking) 5 days • New Model for Strategic Planning. 2 days • 5 Keys to Improve Loyalty of Employees. 3 days • Leaderships in the 21st century 5 days • MS Office Ward and Excel Advance 10 days
Graduated with a GPA of 3.31 out of 4 while working simultaneously for 2 years during my bachelor program at NYIT one of the the most accredited agency in the United State. NYIT is one of the prestigious universities honoured by the "Commission on Higher Education of the Middle states Association of Colleges and Schools" & also accredited from the Saudi Ministry of Higher Education.
Second honor award
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