وفاء المساعفه

Fast-track career progression from Sales Manager to Head of Branches, and subsequently promoted to Credit Manager /
Head of Credit Department, driven by outstanding leadership and commercial performance.
Led regional sales strategy and teams, consistently achieving 100%+ of annual sales targets.
Established the Credit Department from inception, including credit policies, approval matrices, and governance frameworks.
Implemented data-driven credit models, improving portfolio quality and significantly reducing non-performing loans (NPLs).
Led expansion to 60+ physical and digital branches, standardizing KPIs and operational controls across the network.
Provided executive management with strategic insights on growth, risk appetite, and market expansion.

plementationم of programs and procedures for him to work and follow-up workflow and performance of the branch staff.

2. solving customer problems and take them in good faith.

3. work daily deposits in the bank in accordance with the procedures adopted comapny and the work of all reports pertaining to cash sales Accounting Department and carried out by an accountant.

4. work of the monthly reports that show the movement of the sales increase or deviation and make recommendations for achieving the objectives of the branch.

5. Reply to emails and the speed of responding to all sides.

6. examine complaints and Mqtrahat customers that affect the reputation of the company and submitted to senior management.

7. establish good relations with customers and follow-up staff handle and solve any problems they face may harm Tayyiba relationship with customers.

8. Action Special Reports staff and their performance and their evaluation.

9. Follow-up sections and staff and raise the level of service study customer feedback and find out how satisfied they are with the service and reporting.

10. The meeting with the staff of each period to find out the conditions of sections and staff needs and ways to raise sales and create an atmosphere CICI them.

11. create an atmosphere sophisticated work between employees reflected on the tender inside the branch staff and their service to customers.
12. Any other tasks requested by the employees department

Achieved 30% year-on-year portfolio growth through disciplined credit controls and targeted growth strategies.
Increased funded business success rate by 35% by implementing enhanced credit evaluation frameworks and strategic
partnerships with local businesses and NGOs.
Expanded portfolio size through innovative lending products tailored to micro and small enterprises, supporting local
economic development and financial inclusion.
Strengthened portfolio sustainability through rigorous risk management, proactive monitoring, and effective recovery
strategies.

1.overseeing the implementationم of programs and procedures for him to work and follow-up workflow and performance of the branch staff.

2. solving customer problems and take them in good faith.

3. work daily deposits in the bank in accordance with the procedures adopted comapny and the work of all reports pertaining to cash sales Accounting Department and carried out by an accountant.

4. work of the monthly reports that show the movement of the sales increase or deviation and make recommendations for achieving the objectives of the branch.

5. Reply to emails and the speed of responding to all sides.

6. examine complaints and Mqtrahat customers that affect the reputation of the company and submitted to senior management.

7. establish good relations with customers and follow-up staff handle and solve any problems they face may harm Tayyiba relationship with customers.

8. Action Special Reports staff and their performance and their evaluation.

9. Follow-up sections and staff and raise the level of service study customer feedback and find out how satisfied they are with the service and reporting.

10. The meeting with the staff of each period to find out the conditions of sections and staff needs and ways to raise sales and create an atmosphere CICI them.

11. create an atmosphere sophisticated work between employees reflected on the tender inside the branch staff and their service to customers.
12. Any other tasks requested by the employees department

Overseeing all operations and business activities while directing organizational planning and performance, strategic
processes and development through setting and updating growth strategies, interacting effectively planning, designing,
developing and evaluating sales initiatives that support goals.
Drove a record-breaking 40% increase in direct sales volume within one year, significantly exceeding annual targets and
expanding market share.
Penetrated new market segments, diversifying revenue streams and increasing new customer acquisition by 15%.
Executed strategic sales and growth plans through market analysis, partnerships, and performance-driven initiatives.
Oversaw branch operations while leading sales performance, client relationship management, and risk mitigation.

1.overseeing the implementation of programs and procedures for him to work and follow-up workflow and performance of the branch staff.

2. solving customer problems and take them in good faith.

3. work daily deposits in the bank in accordance with the procedures adopted comapny and the work of all reports pertaining to cash sales Accounting Department and carried out by an accountant.

4. work of the monthly reports that show the movement of the sales increase or deviation and make recommendations for achieving the objectives of the branch.

5. Reply to emails and the speed of responding to all sides.

6. examine complaints and Mqtrahat customers that affect the reputation of the company and submitted to senior management.

7. establish good relations with customers and follow-up staff handle and solve any problems they face may harm Tayyiba relationship with customers.

8. Action Special Reports staff and their performance and their evaluation.

9. Follow-up sections and staff and raise the level of service study customer feedback and find out how satisfied they are with the service and reporting.

10. The meeting with the staff of each period to find out the conditions of sections and staff needs and ways to raise sales and create an atmosphere CICI them.

11. create an atmosphere sophisticated work between employees reflected on the tender inside the branch staff and their service to customers.
12. Any other tasks requested by the employees department

Led a period of significant branch transformation and growth, doubling the loan portfolio size and expanding the client base
by 50%, strengthening branchs role in financial inclusion.
Designed and launched innovative microfinance products tailored to micro-entrepreneurs and SMEs, resulting in a 40%
increase in loan uptake.
Implemented operational efficiency improvements, reducing processing time and setting new benchmarks for productivity
and service quality.
Directed and executed long-term growth strategies aligned with Jordan Micro Credit Companys sustainability objectives a
competitive market expansion.

Professionally completed daily tasks under time pressure, met deadlines consistently, and coordinated workflow including
resolution of questions and concerns in a timely manner & effectively maximizing the organizations value and efficiency