Charbel Nammour

Head of Retail Projects & Control - Retail Banking:

- Engaged in playing a key role in Strategic Retail Projects, Retail Transformation, Process Optimization, Controls & Budgets.
- Performs strategy formulation, development, implementation and evaluation to advance operational success.
- Focusing on people side of change - including changes to optimizing processes, increasing transaction migration to digital channels, customer onboarding, customer experience, automations and centralizing processes to free up time for branch FTEs.
- Develop, recommend & implement initiatives ensuring proper completion according to set strategies.
- Delivered full-scale business strategies resulting in increased satisfaction & operational enhancement resulting in sales focused branches.
- Coordination with EPMO, Digital Transformation, IT, Risk, Finance, Legal, Compliance & other Divisions.
- Boosted yearly profits through process optimization and improved training.
- Mentored & motivated team members of more than 100 to achieve challenging business goals.
Leading the following units:
1- Retail Projects & Support
2- Retail Control:
1. Branches operations
2. Bankwide vault
3. ATM’s & ITM’s (Complaints & Reconciliations)
3- Area Operations Managers / Branches Operations
4- Direct Sales & Call Center Operations
5- Retail Centralized Operational Unit:
1. Financial Checking
2. Non-Financial Checking
i. Loans & Cards Checking
ii. Retail Documents
6- Al Amel Branch (Laborers Branch)

2007 - Executive Manager
Head of Retail Operations & Projects

In addition to Retail Projects, ensuring branches are performing operational transactions according to approved policies & procedures through direct managing the Area Operations Managers and indirect management of the Branches Operations Managers in order to adhere with satisfactory audit reports & smooth branches operations.

Total of 92 reporting staff - (8 direct).

2005 - Senior Manager
Head of Direct Sales Department

Launched Central Sales Team in ABK, recruited, trained & managed successfully a team formed of 45 productive staff, exceeded set targets more than 65% of total retail distribution, mainly new prospects: Salaried accounts (Different tiers, segments), Loans, Credit Cards & Low Deposits.

2003 - Retail Sales Manager
Introduced & nurtured sales culture in Retail Banking for all branches employees - which required close coordination and monitoring with all staff through daily follow-up, introduced "Targets", weekly Branch Mgrs. meetings, Weekly Relationship Officers meetings, continuous awareness & skill programs with periodical reports.

Area Support Officer - Sales Management Retail Division, (12 Branches out of 27).
Support retail sales activities & performance towards target.
Responsibilities included:
- Developing & Monitoring the Sales Budget by branch for the region.
- Setting the profitability & overall branch performance for the region.
- Identifying KPI’s for all branches & running business progress meeting to branch managers.
- Managing problem solving matters beyond branch manager level.
- Coordinating between branch managers & Head Office Departments.
- Assisting Regional Manager in branch managers & staff appraisals.
- Internal & External Signature.

Credit Information Officer - (contractual) Credit information Department:
Follow up on the department activities & reporting on the information for management review.
Information & reporting areas included:
o Newly registered companies/Amendments concerning Companies.
o Mortgages/ Unpaid bills & checks/ proceedings & lawsuits.
o Personal loans, housing loans & car loans.
o Gathering data from external sources (Banks, Companies, Official Sector & Employees).