BLOM BANK s.a.l.Head of Retail Planning
Oct. 2004 - Nov. 2012Beirut, Lebanon• Led a team of 12 personnel and reported directly to the AGM. Oversaw and drove Retail Banking strategy, profitability and regulatory compliance
• Defined annual targets and budgets for branches and monitored performance • Improved income streams by developing & launching need-driven asset and investment products – conducted extensive market, feasibility and consumer research, partnered with internal group stakeholders, leading 3rd party providers and government entities to co-brand and launch successful Card and Structured products. Measured and analyzed product & segment profitability • Established the Bank’s Credit Scoring System for retail lending products – aligned to Central Bank and Basel II directives
• Led the digitization of processes and products – collaborated with the Technology team to run controlled UATs for technical releases to ensure smooth go-live events • Managed key stakeholder relationships – partners (e.g. VISA, MasterCard), regulatory bodies and suppliers
Led comprehensive research to strategize the implementation and launch of the merchant acquiring business, and identified the optimal third-party processor for outsourcing the activity.
• Led comprehensive research to strategize the implementation and launch of the merchant acquiring business, and identified the optimal third-party processor for outsourcing the activity.
• Guided and supported regional group entities to develop and deploy retail products & processes - BLOM Jordan, Syria – Bank of Syria and Overseas, BLOM Egypt, BLOM Cyprus & BLOM Development Bank