رانيا سعد

 Prepare plans, statements and reports of estimated future targets and estimated sales and compare it with the actual performance and provide indicators of deviation.
 Follow-up the achievement of the financial objectives by anticipating requirements; submitting information for budget preparation; scheduling expenditures; monitoring costs; analyzing variances.
 Establish system controls and develop procedures to enhance the accuracy of the existing systems.
 Ensure that operations adhere to policies and guidelines.

MAPFRE ASISTENCIA

15/07/2012 till 11/6/2013
Head of Sales - Banking Products
Commercial Department

 Build and maintain a balanced sales pipeline for all new and existing products and services.
 Meets marketing and sales financial objectives by forecasting requirements; preparing an annual budget; scheduling expenditures; analyzing variances; initiating corrective actions.
 Responsible for the marketing of the products and services to the right market weather B2B or B2C or B2B2C.
 Understand client needs and translate these to workable solutions, mobilizing relevant organizational resources across functions, teams and geographies.
 Provide guidance and expert advice to identify the underlying principles, reasons and facts of information by breaking it down. Hence, allowing analyzing that information and evaluating results to choose the best solution to solve the organization's problems and to achieve the required improvements.
 Analyzing the environment and identifying the organizational needs (In line with organizational objectives; the consultant will identify the core functions to support key work areas and processes, and he will fully familiarize them with the supervision framework, strategic objectives, and scope of work.
 Develop full business plan including business financial requirements, introducing new products, entering new markets, and an ongoing modernization and restructuring process based on the industry trends & changing market needs.
 Assists with the activities of the company products or business line which include automotive, credit cards programs.
 Familiar with standard concepts, practices, and procedures within a particular field.
 Conduct analysis in order to identify customer needs and contribute to future product developments.
 Monitor and evaluate the activities and products of the competition.
 Set the commercial department budget including sales and Marketing.
 Accomplishes marketing and organization mission by completing related results as needed
 Coordinate with suppliers to get perfect quotations in providing marketing materials.
 Improves product marketability and profitability by researching, identifying, and capitalizing on market opportunities; improving product packaging; coordinating new product development.
 Studying competitors' products and services.

BARCLAYS - Egypt

Retail & Card Division

1/1/2010 - 7/2012
Customer Service (Credit Card Operations Team Leader)

 Work as focal point with different unit.
 Reviewing & checking daily work.
 Insure processing of day to day activity with no delay
 Insure accuracy of the customer complaint and request processing
 Enhance the E2E process and work hard to reduce turnaround time to meet customer expectation
 Make the necessary arrangements with branches if needed
 Comply with operational risk and standards in respect of protecting people, customers, assets and the organisation.
 Insure complaince with Visa rules and regulations.
 Achieve individual operational performance targets and support the achievement of team targets.
 Action any complaints received in accordance with procedures.