Malih El Hage Ibrahim

of Merchant Acquiring
Principal strategist and overseer of merchant relations, acquisition, operations, servicing, and retention. Forge and foster key account relationships. Design, develop, and deploy strategic business plans and proposals to promote contracts and close deals. Engage and partner with card schemes including: Visa, MasterCard, UPI, and Amex. Provide oversight of the Doha Bank Payment gateway channel and online portal. Enhance cross-selling opportunities, fee-based income, and fee structure. Pinpoint best performing merchants, conduct site visits, and cultivate strong, working relationships. Generate leads and secure new partners.
•Trusted advisor to the product development team in advancing marketing and promotional campaigns with merchants.
•Appointed leader of strategy and tactical implementation of new solutions and vital projects (DCC, QATCH, QPAY, HMS, Contactless, Master Pass QR, Mobile Wallet, and Digital Wallet).
•Pioneered contactless payment processing (2018). Ensured customer e-commerce transactions with the security of MasterCard Secure Code and QPAY for MasterCard debit cards.
•Led and empowered 50+ cross-functional personnel.
•Generated $54M+ in new revenues within 10 months.
•Facilitate the development of marketing and promotional activity with key merchant relationships.
•Rolled out the MPOS technology (2016).
•Launched UPI POS and ATM acceptance (2012).

Merchant Acquiring
Primary leader of business development, merchant acquisition, merchant retention, contract development, and program administration initiatives. Negotiated deals with merchants, resolved issues, and streamlined troubleshooting. Drove loyalty program for merchants, secured merchant transactions, and performed site visits to ensure supply and inventory. Prospected and recruited quality merchants and enhance merchant relationship management. Established SLAs and executed deliverables. Identified cross-selling opportunities and conducted merchant trainings.
•Designated Relationship Manager for 1000+ major accounts, including 5-star hotels, jewellers, travel agencies, hospitals, and shopping malls.
•Facilitated and coordinated 50+ Fraud Training seminars on VISA and MasterCard, check fraud, and card features, impacting 600+ attendees.
•Instrumental contributor to the success of the WOW credit card.
•Build strong relationships by understanding our partner’s business, responding promptly to client requests/ inquiries and supporting their priorities.
•Achieved 100% regulatory compliance to internal/external statutes.