Head of Business Planning
Procco Financial Services
مجموع سنوات الخبرة :27 years, 3 أشهر
•Manage, plan, direct and control the day to day operations and management to achieve maximum efficiency and profitability.
•Ensure the limits assigned by the scoring system for applications are as per credit policy.
•Approve limit increases as per credit policy.
•Manage the performance of the cards products through continuous evaluation and program improvement.
•Analyze and make recommendations to enhance profitability, increase transaction and finance charge revenues, increase customer accounts and receivables volume, reduce risk and maintain compliance.
•Implement risk-based pricing and product level profitability analytic.
•Work on the development and/or implementation of statistical models and alternative strategies for, credit limit management, authorizations and collections.
•Review and analyze existing business unit strategies and recommend and implement new strategies, as appropriate (i.e. credit line management, collections, authorizations, communications, card reissue, and dynamic re-pricing modules).
•Build receivables and spend by conducting portfolio management initiatives including spend campaigns.
•Analyze the existing cards products in order to develop an understanding of its dynamics.
•Review Reports on a regular basis to monitor the financial performance.
•Analyze card’s products performance indicators across sub-products and segments in order to optimize profitability and minimize risk.
•Development and policy/process changes, structuring, documentation and execution.
•Track and report Service quality indicators and identify corrective action plans if required.
•Payment and loyalty products, system reconciliations, tracing and audit.
•Update strategic plan as necessary based on market developments and new opportunities created.
•Team up and partner with banking and retail establishments to offer card payments and loyalty facilities.
•Review business objectives and plan ahead to be in line with business plans and annual fiscal targets.
•Lead and direct business development efforts to identify and capture new business opportunities and to manage existing client relationships.
•Monitor and supervise all operational activities including the processing center.
•Develop a positive working atmosphere and highly motivated team to achieve and exceed business objectives.
•Use analytics and market research to maximize the value of the portfolio by deepening the existing customer base and driving transactions and limit utilization.
• Proactive planning and action.
• Measurable objectives and accountability.
• A focus on revenues, reduction of costs and improved efficiencies.
• Effective strategy development and direction.
• Maintain and develop established policy, process and procedures.
• Manage/Co-ordinate trade personnel effectively.
• Problem solving of issues as they arise.
• Plan strategically and operationally, setting long and short term goals/objectives, strategies, performance indicators and action plans.
• Motivate staff to higher operational levels and assist in creating high level office moral.
• Oversee staff training and development.
• Maintain high level of customer service and satisfaction.
• Authorize accounts, credit limits, contracts, transfers and ensure a secure financial operation of the office.
• Manage the implementation of and rebuilding the Bartercard Administration software.
• Implementing tasks and projects such as Recoveries (RMS) procedures, Directory, and performance reporting.
• Work closely with Trading and Sales department on highly demanding projects.
• Ensure that tasks are completed in timely manner. Meeting defined deadlines.
• Financial reports, maintain data integrity and utilizing SQL query language for data analysis.
• Actively contribute to enhancements and future direction of Bartercard Kuwait in order to improve functionality and competitive market positioning.
• Train Supervise and aid Bartercard Cyprus Administration Manager.
• Implementation of Direct Debits (DDR's), with all banks in Cyprus.
• Took part in consultations with Trading and Sales Departments over implementation of Bartercard manuals, software, and procedures.
General Manager: Bartercard Jordan- Amman, Jordan
Feb 2002 - Aug 2004
• Extensive knowledge and experience in all Bartercard departments (Trading, Sales, Administration)
• Developing and implementing successfully many projects such as E.F.T.P.O.S, IVR, and Arabic Directory System.
• Implementing Business and financial planning strategies.
• Potential problems solving and interact with the team to eliminate challenges..
• Conducted feasibility studies and risk assessments for a variety of new projects launches.
• A proven ability to manage, lead projects and get consistent results.
• Excellent communication skills have ensured good relations with both staff and superiors. An ability to interact with people at all levels both internally and externally has ensured the development of good business relationships.
• Capable of building highly motivated teams that are conscious of their part in improving productivity and quality throughout the business function.
• Work closely with Trading Team and Sales Managers on setting goals and Targets.
• Ensure monthly increase in KPI's yield.
• Service quality assurance through daily follow up and meetings with members.
• Solve challenges and visit clients.
• Recruiting and training of new staff.
• Follow up on daily weekly and monthly tasks and insure completing within given time frames.
• Establishing new departments such as Recoveries and Customer care.
• Bank Notes: clearance and transactions lodging.
• Internal audit including daily CBJ reporting requirements.
• Head of Personal loans comity.
• Type B Signature Authority. For Cheques clearance, and withdrawal.