Cards Portfolio Manager, Cards & Payments
Commercial Bank of Qatar
Total years of experience :19 years, 7 Months
• Responsible for financial analysis, planning, monitoring & managing the performance of credit cards, debit cards and merchant acquiring to ensure achievement of strategic objectives
• Developing business cases and profitability models for product enhancements, new product launches, card promotions, revised product pricing and enhanced product features
• Annual Budgeting and forecasting of financials based on business performance and management strategy plans
• Develop & maintain all business reporting requirements
• Card products / campaign performance tracking against targets and variance analysis.
Key Accomplishments
• Identified revenue leak from Credit Card Annual fee worth QAR 1Million of which 750k was booked in 2013
• Developed & implemented an automated report for senior management showing daily acquisitions of all retail products by channel type
• Developed and implemented an enhanced retention model to retain customers and reduce customer attrition
• Handle new marketing campaign start-ups, upgrades and renewals;
• Manage marketing campaign idea generation, negotiation, development and implementation;
• Manage all PR and advertising related activities including news letter, brand image, publicity, card holder communications and complaint handling;
• Manage all aspects of print production, receipt and distribution;
• Manage all aspects of merchandising and in-branch collaterals;
• Manage all e-channels related to cards;
• Manage campaign related communication across channels (Internet/E-mail/ Mobile/Call Centre/ SMS)
Key Accomplishments
• Successfully re-launched the bank's premium card reward program (Accolades) to include gift vouchers redeemable at 60+ merchant outlets, points transfer to popular Airline programs such as Qmiles and Hotel programs.
• Assist and guide the POS support team in resolving issues related to POS network;
• Coordinate / resolve / escalate technical issues on the POS network with the CardsIT team;
• Coordinate operational activities between the Merchant team, Back Office and CardsIT;
• Coordinate activities related to Acquiring Project implementations / system enhancements;
• Coordinate new project activities with POS vendors, card vendors and payment schemes (Visa/Mastercard/Diners Club/ American Express);
• Coordinate activities related to the launch of ISO8583 Project;
• Coordinate activities related to ECR Integration with POS terminals;
• Coordinate activities related to American Express Host Integration;
• Coordinate POS certification with payment schemes (i.e. Visa, Mastercard network, American Express) for multiple types of POS terminals (i.e. Verifone and Ingenico);
• Perform User Acceptance Testing / End to end testing on POS software application and recommend modifications / changes to IT department based on business requirements / customer experience
Key Accomplishments:
• Successfully Integrated the American Express Host with Commercialbank host for acquiring POS/ATM transactions;
• Successful implementation of MegaNAC (Hypercom) Network Controller for the POS Acquiring Business leading to efficiency in transactions and drop in failure rate;
• Successful launch & Implementation of the Contactless Issuance as well as Acquiring Network;
• Successfully launched the ECR Integrated POS terminal in the market;
• Successful & seamless upgrade of 8 digit telephone numbers on the POS network
• Installation of new POS(Point-of-Sale) terminals;
• Replacement of damaged POS terminals;
• Attend merchant complaints & grievances and provide technical support for POS terminals;
• Provide merchant training on general guidelines and POS usage;
• Stock Control of POS terminals and peripherals;
• Prepare monthly reports on POS installations, replacements & removals, POS stock status, totals POS/merchants in market.;
• Arrange paperwork and maintain records of POS terminal damages/repairs;
• Arrange delivery of POS supplies to merchants;
• Coordinate with all teams in troubleshooting and resolving POS technical issues while guiding the IT team in line with management directions;
• Timely reporting / escalation of POS issues to the management including status reports on each of the issues
• Perform User Acceptance Testing / End to end testing on POS software application and recommend modifications / changes to IT department based on business requirements / customer experience
Key Accomplishments:
• Improved areas of business processes;
• Successful automation of POS Stock control;
• Individually planned, implemented and successfully completed the project of upgrading the software application on all POS terminals which included managing, training, assisting & directing a team of staff members;
• Independently managed merchant System Data Update/Cleanup
• Coordinate activities between the management and the staff;
• Delegate tasks to subordinates;
• Ensure tasks are done on time with accuracy & efficiency;
• Review completed items by subordinates;
Advanced Diploma in Business Management
CBSE Board, Grade 12
