Lutfi Qarajah, Co Founder

Lutfi Qarajah

Co Founder

Petracoins

Location
United Arab Emirates - Dubai
Education
Bachelor's degree, Finance and Banking
Experience
14 years, 4 Months

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Work Experience

Total years of experience :14 years, 4 Months

Co Founder at Petracoins
  • United Arab Emirates - Dubai
  • My current job since January 2018

I am a co-founder and CEO at Petracoins.com which is a Fintech startup that aims to launch a regional digital assets management platform that will be launched and operated in UAE

Wesite: www.petracoins.com

Manager at ScootBox Logistics
  • Palestine - Ramallah and Al Bireh
  • June 2020 to June 2022
Chief Executive Officer (CEO) at Oktar Inc. For Trading and Marketing
  • Palestine - Ramallah and Al Bireh
  • January 2014 to June 2021

Being a chief executive manager at OKTAR since 2014 till present date has strengthened and enhanced deeply my management skills along with strategic business planning and market penetration. Under current position, i am directly reporting to the board of direction presenting all company`s business and financial performance reports summarizing achievements and obstacles periodically.

Also, my scope of work includes understanding consumer`s needs deeply, guiding with brand essence and properties, creating engaging brand experiences, innovating bigger and bolder, winning with customers and planning and executing flawlessly. Sales, Marketing, human resources and financial management are also included in my scope of work.

Channels/ Branches & Self Services Channels Officer at Arab Bank PLC
  • Palestine - Ramallah and Al Bireh
  • November 2012 to December 2014

I occupied 3 different positions that enriched my banking knowledge and experience. Service Excellence Officer/ Supervisor was my last position at Arab Bank which included all service excellence related tasks like customer retention, complaints, training, employees evaluation, branches visits and evaluation and follow up elite customer`s cases.
My second position was channels officer including all related tasks from upgrading and testing bank`s channels (Branches, ATMs, Self Services, Mobile applications and call center) in cooperating with IT department. another task was to develop the mentioned channels according to the management business plan which included conducting visibility study for launching new self services, establishing new branches and setting up new ATMs.

Service Excellence Supervisor at Arab Bank PLC
  • Palestine - Ramallah and Al Bireh
  • November 2010 to October 2012

My scope of work during my first two years at Arab Bank included all service excellence task like, customer retention management, reporting, customer`s cases follow up, branches layout and services evaluation, employees training and performance evaluation and setting Banks service excellence business criteria. This position helped me deeply understanding customer`s needs and how we can make our business compatible with their needs and emotions and how to be competitive in less cost. Focusing on customer retention with sustainable service quality and customer oriented business strategy.
Service Excellence must be applied to all kind of business even the one who`s not offered directly to consumers because markets nowadays are crowded with competitors, one unsatisfied customer affects the business in a negative way than the effect of acquiring new 5 customers in a positive way.

Health Insurance Officer at Al-Ahliyah Group for Insurance
  • Palestine - Ramallah and Al Bireh
  • January 2010 to November 2010

It was my first post graduation job through which i tried to enter financial services industry. My duties varied from health insurance to general insurance policies administration. My total working period in this position was 7 months.

Education

Bachelor's degree, Finance and Banking
  • at Birzeit University
  • November 2009

Finance and Banking Major

High school or equivalent, Science
  • at Al-Hashemiyah Secondary School
  • June 2004

Specialties & Skills

Management
Branding
Channel
Service Excellence
Retail Banking
Product Development
Financial Analysis
Financial Exel
Communication Skills
Planning
branding
business Writing
management
Project Implementation
Payment Gateway
Technical Analysis
Remittances
Presentation Skills
Microsoft Excel
Insurance
Retail Banking
PineScript
Crypto Currency

Social Profiles

Languages

Arabic
Native Speaker
English
Expert

Training and Certifications

Business Writing Skills (Training)
Training Institute:
Arab Bank
Capital Markets & Derivatives (Training)
Training Institute:
Arab Bank
Financial & Feasibility Study (Training)
Training Institute:
Arab Bank
Basel 3 (Training)
Training Institute:
Arab Bank
Creative Thinking (Training)
Training Institute:
Arab Bank
Risk Management & IS (Training)
Training Institute:
Arab Bank
Induction HR (Training)
Training Institute:
Arab Bank
Human Resources (Training)
Training Institute:
Arab Bank
Treasury (Training)
Training Institute:
Arab Bank
AML (Training)
Training Institute:
Arab Bank
Remittances & Clearing (Training)
Training Institute:
Arab Bank
Legal Aspects og Banking Operations (Training)
Training Institute:
Arab Bank
Products Knowledge (Training)
Training Institute:
Arab Bank
communication Skills (Training)
Training Institute:
Arab Bank
Presentation Skills (Training)
Training Institute:
Arab Bank
Banking Policies & Procedures (Training)
Training Institute:
Arab Bank
CRO Duties (Training)
Training Institute:
Arab Bank
Equation & Unit Teller (Training)
Training Institute:
Arab Bank
E-Channels (Training)
Training Institute:
Arab Bank
Quality Awareness (Training)
Training Institute:
Arab Bank
Team Building (Training)
Training Institute:
Arab Bank
Combating Forgery & Counterfeit (Training)
Training Institute:
Arab Bank
Financial Analysis (Training)
Training Institute:
Arab Bank
Date Attended:
May 2012
Duration:
40 hours
Advanced Exel (Training)
Training Institute:
Arab Bank
Date Attended:
April 2013
Duration:
50 hours

Hobbies

  • Horseback riding
  • Listening to music
  • Gymnastics
  • Chess