General Manager
Management Consultancy
Total years of experience :19 years, 7 Months
Consultancy for organizational problems analysis, change management, process re engineering, performance & service improvement plans. Implementation of Quality Management systems.
• In charge of:
- Developing the Retail Strategy, network and customer proposition in line with the bank’s general policy and goals.
- Setting & achieving Retail financial metrics achievements.
- Developing global & regional synergies with the group network and markets.
- the bank’s business plan implementation and target achievement.
- Distribution channels activity & performance:
Branches, Direct Sales team, Call Center & Private Banking Sales desk.
• Pilot the Marketing team for market trends research, clients needs, product optimization/launching & promotional activities, to align with market pace and ensure higher penetration.
• Lead and develop the senior team (branch & sales managers, dept heads) in order to assure superior service approach and product delivery.
• Establish appropriate training programs for product knowledge, procedure & risk awareness, and interpersonal skills.
• Initiated the Retail Lending credit policy & eligibility criteria (Personal, Car and Housing Loans )
• Directed Retail Business and related operations including branches sales, product development, credit analysis, credit administration, as well as collection.
• Developed & managed multiple saving plans (Bancassurance), investment products, and accounts packaging.
• Managed & coached the Retail Banking Central team: Appraising and analyzing Credit applications in accordance with the approved credit / product policy and procedure, ensuring strict compliance with regulatory guidelines, streamlining workflows from decision making till loan acquisition..
• Provided consistent assistance to branch managers and retail business teams to improve sales and quality of credit applications.
• Implemented in coordination with financial dept the business functional P/L.