Hind Jnad

• Successfully secured 48 high-value contracts, driving substantial revenue growth and strengthening the
companys market position.
• Achieved a 4% reduction in operational costs by implementing data-driven strategies, optimizing
processes, and improving resource efficiency.
• Led business development initiatives aligned with financial performance targets.
• Proactively followed up with existing clients while identifying and acquiring new business opportunities to
expand the client base.
• Performed market research and analysis to identify growth opportunities, support strategic decisions, and
increase customer acquisition.
• Developed pricing strategies and revenue optimization plans.

• Taught undergraduate courses in Financial Mathematics, Financial Statement Analysis, Macroeconomics,
and Microeconomics.
• Designed and delivered lectures, quizzes, and learning materials to improve student performance.
• Supported students through academic advising and group discussions.
• conducted research in finance and economics with focus on quantitative analysis.
Research & Publications.
• Published peer-reviewed research indexed in Google Scholar.

maintain, manage, and analyze financial statements, payroll, budgets, tax compliance issues, and more. These financial experts work across a broad spectrum of industries. A financial responsable on the nostro account of the bank word wilde more than 240 banks arround the world. investment information to help companies or individuals make informed investment decisions.
Evaluate current and historical financial data. Study economic and business trends. Examine the banks financial statements to determine its value.managing the bank finances, including all bank transactions, loans, debts, investments, and other sources of funding.

Balances and reconciles accounts; adjusts and corrects daily journal entries. Monitors expenditures and prepares monthly financial statements and administrative reports. Provides technical support to clerical and professional staff. Prepares quarterly and annual statements.

meeting with clients virtually or during sales visits.
attending trade exhibitions, conferences and meetings.
reviewing sales performance.
negotiating contracts and packages.

• Collected and analyzed feedback on fiber service performance to ensure high customer satisfaction, while
also measuring demand forecast accuracy to align with actual business needs and expansion plans.
• Evaluated the effectiveness of cost-saving initiatives and resource utilization in fiber infrastructure projects,
achieving a 20% reduction in costs and a 50% increase in company profits.
• Prepared high-quality financial reports, dashboards, and presentations for senior management, translating
complex financial data into actionable insights and interacting with management at all levels to facilitate
information gathering.
• Led the creation and oversight of the annual budget for 45 branches, analyzing discrepancies between
projected and actual figures, and delivering financial reports to the audit committee.
• Monitored and managed Nostro and Vostro accounts by addressing reconciliation discrepancies and
overseeing correspondent accounts while identifying new account opportunities.
• Authorized both domestic and international transactions, ensuring precise processing of transfers, bank
checks, and letters of credit, while managing account fees and interest through SWIFT.
• Analyzed foreign exchange risks and historical financial data to identify patterns and trends, providing
actionable insights and recommendations for improving financial performance and supporting strategic
decision-making.
• Employed advanced Microsoft Excel skills, including pivot tables, v-lookups, and macros, to create detailed
monthly balance sheets and financial reports, ensuring accuracy and clarity for stakeholders.
• Demonstrated leadership abilities in team management and development while effectively collaborating
with cross-functional teams and supporting internal and external audits, including DELOITTE, by providing
necessary risk documentation and reports.

• Lead a team of 12 in overseeing financial operations across four branches of Hoz Mall, fostering effective
teamwork and collaboration to enhance operational efficiency and support organizational growth.
• Prepare comprehensive financial statements, including balance sheets and profit and loss reports, utilizing
advanced MS Excel techniques with pivot tables and macros, ensuring accuracy and insightful analysis.
• Oversee budget management and sales tracking for an annual budget of millions of $, implementing
expense control measures to ensure alignment with the organizations financial objectives.
• Direct payroll administration for 800 employees, ensuring compliance with labor regulations and accuracy
in payments, resulting in a 100% on-time payroll record.
• Manage tax declaration processes, ensuring adherence to Lebanese tax laws with timely submissions to
relevant authorities, minimizing potential penalties.
• Conduct regular financial reviews and analyses to identify trends and provide actionable insights, facilitating
informed decision-making for senior management.
• Collaborate cross-departmentally with procurement, sales, inventory, and marketing teams to analyze and
report on key performance indicators (KPIs), enhancing overall business performance.
• Lead financial projects such as store expansion initiatives and cost-cutting strategies, achieving a 15%
reduction in operational costs.
• Utilize financial software such as SAP and Oracle, alongside business intelligence tools like Power BI and
Tableau, to streamline financial processes and improve data-driven decision-making.

• Achieved Employee of the Month six times for exceeding sales targets while assisting customers with
various financial services, including insurance, bill domiciliation, term deposits, and credit card loans.
• Conducted customer appointments to identify needs and provide tailored solutions, while meticulously
analyzing client documentation for accuracy and completeness.
• Reviewed numerous agencies, contracts, and batches as part of the banks operations, including contracts
with customers both to and from the bank.

Maintain customer accounts and record account information.
Oversee customer financial accounts and process customer adjustments.
Make product recommendations or services to customers based on their needs and preferences.
Oversee a team of customer service representatives and ensure they meet monthly quotas.
Follow communication guidelines, policies and procedures.
Upgrade and cancel customer accounts by customer request.
Handle customer complaints and provide alternatives and/or solutions to ensure resolution of complaints.
Reach out to customers via email and telephone to verify account information.
Ensure customers are satisfied with their purchases or service.
Assist customers in placing orders, fulfilling refunds and handling exchanges.
Oversee product recalls.
Use sales computer technology to maintain customer records and orders.
Cold call potential customers.
Inform existing customers of promotions and deals.

• Oversaw ATM operations, including cash replenishments and maintenance coordination, while managing
branch cash operations to ensure accuracy in daily reconciliations and adherence to banking policies.
• Executed teller functions, handling cash transactions and account management, and assisted customers
with inquiries related to bank statements, IBAN issuance, and account services.