Vice President Digital Retail Banking
QNB / QATAR NATIONAL BANK
Total years of experience :23 years, 7 Months
• Oversaw P&L management for QNBs $3.4 billion international remittances business, strategizing to optimize fee income and FX margins, enhancing overall profitability.
• Orchestrated the launch of a successful and diferentiated international digital transfer usage campaign unique to region, generating 1.7 million QR in income.
• Instilled a product management discipline resulting in prioritized multiyear digital capability roadmaps (F23, F24) with 2024 yielding 21 QR million in revenue generation. (credit limit preapprovals, cross sell capabilities, monetization of oficial bank statements).
• Coached a high-performance team of five direct reports and various cross-functional groups, nurturing a culture of innovation. This leadership directly contributed to a 40% increase in customer platform usage.
• Created a monthly executive performance dashboard tracking digital feature/capability performance, insights and steps to address gaps to plan.
• Established processes for product development to ensure risk are managed and mitigated through formalization of signs ofs (Jira) including compliance, product, risk, operations, IT, fraud, cyber security, regulatory, legal.
• Data oriented mindset to connect the dots, find opportunities, measure success, optimize and establish department and team KPIs.
• Created strategies to optimize P&L of TD Aeroplan and proprietary credit card portfolios, focusing on balancing the cost of incentives and analyzing cardholder spend behaviors to maximize profitability. Implemented targeted ofers that balanced attractive customer incentives with positive P&L outcomes, contributing to a 300% boost in digital credit card sales. (121K annual credit card sales).
• Established and led a product management center of excellence at TD Bank, defining best practices, methodologies, and standards for product development across the bank.
• Developed TD digital sales roadmap and vision to deliver digital capabilities and digital account plan. (digital journey optimizations, conversion improvements, enterprise digital platforms such as multiproduct shopping experience and online sales and onboarding).
• Formulated and executed a multi-product digital sales strategy, substantially increasing customer product penetration at acquisition.
• Led talent acquisition, onboarding, management, and mentorship program and develop coaching protocols, team objectives, and professional development strategies. Grew team to 4 product managers directly reporting to me.
• Analyzed market trends and develop short and long-term digital initiatives designed to support sales prospecting journey, digital franchising of existing customers, and improving conversion prospects.
• Employed leading end-to-end analytic tools, including Omniture, application performance logs, and book of record reporting, to gauge key performance indicators.
• Launched customer targeting contextual trigger concept within secure online banking product and increased targeting results by 20% and acceptance rate by 148%.
• Established credit card application requirement and system launch and increased mobile app starts by 78%.
• Managed $10M online sales enhancement and $7M user functionality and customer engagement projects.
• Directed broad portfolio of products for digital channel sales, including chequing and savings accounts, travel medical insurance, wealth management, credit cards, and online secure banking redesign.
• Secured vital funding for $1.3M digital optimization plan to spur online sales growth through business casing.
• Enhanced customer interaction, satisfaction, and online sales through $7M online banking overhaul project focused on improving functionality of financial management tools.
Cultivated launch and creation strategies for interactive products and online services.
Launched Bell TV Online, resulting in 16% increase in unique site visitors, 70% increase in video views, 46% increase in video views per unique visitor, and $900K+ in annual online sales.
Generated 1.4M downloads, 420K+ active user base, and 47% clickthrough rate for VAS application through product roadmap and strategy development.
MBA with specialization in finance and marketing.