حمزة محافظة

• Company Establishment: Led the transition from commercial registration to a fully operational
financial services company.
• Corporate Functions Leadership: Directed Marketing, HR, Finance, Operations, Compliance,
and Risk units.
• Organizational Development: Built the full organizational structure, SOPs, and end-to-end
workflow systems.
• Strategic & Financial Management: Managed budgeting, P&L ownership, KPIs, and board-level
reporting.
• Executive Hiring: Recruited and developed C-Level and senior leadership teams to support
scalability.
• Operational Expansion: Oversaw branch deployment, operational governance, and market
growth strategy.
• Sales & Marketing Leadership: Directed sales strategies, marketing campaigns, and customer
acquisition programs to increase market visibility and loan portfolio growth.
• Debt Collection & Recovery Oversight: Supervised end-to-end collection operations, developed
collection frameworks, and improved recovery performance through structured follow-up and risk
controls.

Key Achievements:
• Achieved break-even in just 4 months through cost optimization and operational restructuring.
• Launched 3 operational branches, securing rapid market penetration across Jordan.
• Implemented digital lending workflows that reduced loan processing time and improved customer
experience.
• Built scalable operational systems that enhanced efficiency and long-term organizational
readiness.
• Increased customer acquisition and product uptake through targeted sales and marketing initiatives
that strengthened brand presence and competitiveness.
• Improved recovery rates and reduced delinquency by implementing structured debt collection
workflows and enhancing operational controls.

• National Operations Management: Oversaw licensing, compliance, audits, budgeting, and HR.
• P&L Leadership: Directed full financial performance, operational structure, and business planning.
• Sales & Marketing Operations: Oversaw sales performance, branch-level marketing, product
promotions, and customer acquisition strategies across all branches.
• Debt Collection Management: Led collection and recovery operations, monitored delinquency
cases, and implemented field-level collection strategies to reduce NPL and improve cash flow.
• Expansion Management: Managed branch rollout and operational growth strategies.

Key Achievements:
• Achieved profitability within 6 months through operational optimization.
• Launched 7 branches within one year, driving national market expansion.
• Increased loan portfolio growth through improved sales performance and targeted marketing.
• Enhanced recovery processes and raised collection efficiency, supporting faster profitability.
• Implemented digital restructuring initiatives that improved efficiency and service quality.

• Operational Oversight: Led operations, workflow optimization, and performance management.
• Financial Management: Managed P&L budgeting and key client relationships.
• Compliance Leadership: Oversaw regulatory compliance, audits, and internal controls.

• SME & Branch Operations: Led sales, customer service, and SME banking operations.
Key Achievements: Increased branch profitability through targeted acquisition and performance management.

• Credit & Portfolio Management: Conducted feasibility studies, credit assessments, and portfolio
evaluations.

• Client Acquisition & Sales: Built customer pipelines and executed retail product sales.