نضال وحجيبي

Highlights:
• Consistently exceeded annual sales targets across the retail product portfolio despite being considered amongst the highest in terms of pricing in the market.
• Established the Property Finance segment in retail banking and coordinated with the credit department to define credit criteria.
• Designed property finance product enabling buying properties under construction in Pearl Qatar and Lusail from developers.
• Launched the first Personal Finance Postponement solution in Qatar.
• Developed a variety of fixed deposits and a Shariah-compliant deposit breakage policy.
• Launched a comprehensive solution for financing against fixed deposits.
• Generated insurance fee-based income of over QAR 40 million by collaborating with Beema, the insurance provider and handling policies related to personal, vehicle and property finance in retail banking.
• Contributed to successful transition in terms of product migration, Shariah training and staff culture adaptation during the merger of Al Rayan Islamic Bank with Al Khalij Commercial Bank. Supervised the post-merger restructuring of the premier banking department and formulated a new strategy and roadmap.

Responsibilities:
• Led a team of Relationship Managers in building and leveraging corporate and institutional relationships and grow the Premium proposition for MAR products.
• Provided leadership to RMs and drove initiatives to increase penetration to the government, semi-government, and the private sectors in Qatar.
• Created synergy among the bank’s acquisition teams focusing on the increase in the Premium customer base as well as local corporate relations.
• Built a portfolio of HNW customers and led identification and exploitation of new business opportunities including acquisition of Qatari customers, tapping of the youth segment and acquisition of premium salaried customers.
• Developed and executed strategies for business development through company specific promotional offers, sponsorship of staff events and referral programs to acquire institutional relationships.
• Monitored, evaluated and controlled risks ensuring alignment of the premium customer portfolio with company norms and industry quality.
• Ensured achievement of financial - revenue and P&L as well as non-financial - customer satisfaction, cross-sell, operational excellence (service quality and turnaround time), compliance with QCB/Bank guidelines by guiding Relationship Managers.
• Provided analysis of feedback on customer perceptions/ preferences, customer needs, gaps in products/ services offerings and performance standards and in formulating and delivering solutions.
• Monitored and evaluated competitor activity and mapped best practices to implement action plans to maintain the bank’s competitive edge in the market.

Responsibilities:
• Managed and supervised sales of all retail products, implementing strategic plans to meet or exceed target through expansion of the customer base and generating sales from existing customers through cross-selling.
• Led development and implementation of sales strategies and budgets and monitored performance against KPIs to deliver all goals and objectives.
• Researched and leveraged customer insights and competitive intelligence to formulate and execute strategies to sustain the bank’s competitive edge in the market.
• Ensured successful delivery of a ‘one stop service’ to customers within agreed turnaround time through efficient and effective execution of transactions in collaboration with other divisions.
• Built, supervised, trained and motivated staff and enhanced performance by developing and implementing attractive sales incentive plans and reward & recognition programs.

• Managed all aspects of product development and direct sales related to retail Islamic banking products - personal finance, vehicle finance, property finance and credit cards.
• Recruited and hired 12 best performers to build a strong sales and product development teams.
• Successfully delivered 10X growth in personal finance sales - from QAR 100 million to QAR 1 billion and 3X growth in vehicle finance sales - from QAR 300 million to QAR 1 billion during the period 2006 - 2009.
• Contributed to establishment of QIB as the market leader in Islamic banking and the best retail performer in the Qatari market, 2009.
• Introduced a new credit card, JANA based on Tawarook, which was recognized as the most profitable retail product, 2009.
• Introduced a full range of Ijara services for various needs including education, vacation, marriage and medical treatment, 2008.
• Introduced Al Ysr, the first Islamic credit card based on Qardh al-hasan principle in the Qatari market, 2007.
• Introduced the first Islamic solution to finance property under development for the Pearl project using Ijara Mawsofa Belthema, 2007.

• Led the sales team in the Retail Banking Group (RBG) and drove initiatives to increase penetration in assigned companies and delivered predefined targets.
• Established the sales team in 2001 and provided leadership in playing a key role in improvement of the bank’s image and profitability by achieving 55+% of the bank’s retail loans portfolio target.
• Earned the CEO’s Club Certificate for outstanding performance in the year 2003.
• Achieved the Silver Star award in recognition of contributions to the RBG in 2001 & 2002.
• Worked as Sales & Service Officer (October - 1997 - September 2001) and earned recognition as Top Performer.

• Worked in various sections of the retail banking and the business operation units.