- Led the Full Lifecycle Launch of an Innovative Line of Commercial Cards in GCC, including Virtual Cards and Spend Management Tools, delivering innovative payment solutions that exceeded customer expectations.- Developed a comprehensive acquisition strategy that targeted all segments of the market, including UHNW, Business Banking and Corporate Banking, and Consumer Banking.- Demonstrated a strong track record in effectively managing digital acquisitions, contributing to significant strategic growth and market expansion for the organization.- Demonstrated a proven ability to develop compelling product value propositions that effectively communicated the unique benefits and advantages of our products, setting them apart from the competition.- Demonstrated expertise in managing the end-to-end digital onboarding journey for cardholders, leveraging digital channels to deliver a seamless and user-friendly experience.

- Work with Senior management to develop tactical campaign plans that support annual business objectives for credit cards acquisitions.- Ongoing review of processes and procedures to identify workflow improvements and efficiencies to improve speed to market.- Develop and refine the underwriting, line, pricing, and product strategies to increase the customers base as well as maximizing the financial return targets for credit card holders.- Assist in maintaining competitive analysis on card products and marketing pieces as well as managing monthly and annual product campaigns calendar.- Establish and optimize acquisition strategies for multiple acquisition channels.- Plan all credit card acquisition campaign initiatives from conception to execution; including but not limited to identifying campaign objectives, segmentation and targeting, key messages, creative development/revision, and promotional offers.- Responsible for end-to-end implementation of campaigns: kick-off campaigns with internal partners, coordinate milestone dates, manage timelines, oversee implementation and track results.- Work with internal marketing team to design and revise creative as well as proofread materials with marketing and print vendors.- Track campaign success through data analysis, evaluate opportunities for improvement and make recommendations for future campaigns.- Collaborate with various business partners balancing multiple competing goals: growth, credit risk, and profitability.

- Launch new products to ensure having a product suite that addresses customer segments and needs, in addition to developing the existing products and features to have a competitive edge among the competition in the local market.- Develop a business plan for all products in terms of strategy, financial projections and overall profitability. Moreover, monitor and manage overall products P&L while ensuring bottom-line target is achieved across all products- Do marketing researches, gap analysis, and competitive studies to assess existing products, propose new ones and readdress any shortfalls- Drive process improvement initiatives to enhance customer experience and turnaround time through effective functionality between the cards business and respective business areas- Conduct training and visits to all bank front liners to make sure they are updated on latest product features and to ensure smooth interaction with customers- Work closely with Segments and other business lines to in align with business objectives and manage deliverables- Manage the relationship with associations alliances, key clients and vendors (MasterCard, Visa, Egyptair, AUC, Vodafone, etc) to ensure optimum cooperation is achieved based on the bank’s strategy- Participate in the formulation, documentation & implementation of the department’s and product’s overall strategy to ensure the alignment with the bank’s strategy- Participate, recommend improvements to policies, processes and procedures, and manage their implementation to ensure all relevant procedural / legislative requirements are fulfilled- Comply with all relevant CBE regulations, banking laws, AML regulations and internal bank’s policies and code of conduct in order to maintain the bank’s sound legal position and mitigate any potential risks

- Produce different types of ad-hoc analyses like customer behaviour, proposal profitability, post activity analysis to be used in management decision-making and setting future strategy- Work closely with MasterCard & Visa experts and advisors worldwide to design and implement campaigns, analyze portfolio strategies, developing segmentation strategies and improving program management- Analyze the overall Cards portfolio on various KPI's like Utilization, Revolver Ratio, Usage pattern, Delinquency and identify potential growth- Prepare and review the annual and periodic cards budgets and business strategies- Manage cards P&L and business profitability for different Customer segments- Assess Customer loyalty & rewards programs impact by providing periodic comprehensive in-depth analysis- Analyze Fee Income of Cards portfolio and identify prospective growth to increase revenue and minimize any potential losses- Develop and deliver Customers segmentation and behavioural analysis based on spend, revolving, activation, delinquency and attritions enhance portfolio management through deeper understanding of consumers- Prepare presentations, reports and all business performance packs for board meetings and bank committees

- Interpret customers feedback gathered during the customer lifecycle through various types of call-outs into meaningful insights and fact-based reports that influence decision-making- Generate data for various Card related marketing promotions and analyze the effectiveness of such promotions- Develop fully automated tools for business performance monitoring and decision support- Monitor and analyze the performance of different business units to drive better business results and achieve the business objectives- Work closely with all stakeholders to ensure achieving the business profitability targets and to assess the impact and feasibility of any new products and business initiatives

- Design and produce daily, weekly and monthly MIS reports covering all aspects of the cards business portfolio- Extract data from main MIS databases and present it in a usable form using MS Reporting Services- Monitor the cards acquisitions and review incentive and commission payout reports for sales channels- Assist lending support unit in preparing annual plans by CO/Branch/Regional- Design and generate relevant front-end MIS reporting packs to enhance the performance and productivity of sales channels- Develop cards database tables and record structures to enable strong analytics in all business areas- Work with different areas to rectify the current data sets and develop systems inputs to ensure having the accurate information- Prepare presentations and reviewing documentation for management meetings

- Review daily issuer monitoring reports for around 40 banks inside and outside Egypt- Monitor and analyze consumer transaction and account activity for potential fraudulent activity including identity theft, account take over, friendly fraud, and other identified risks (internal reports, generated alerts, or notifications from third parties)- Identify and track current fraud trends by reviewing transaction and account patterns- Investigate and analyze the causes, methods and processes of fraud activities and generate fraud prevention and analysis reports- Work closely with internal departments and 3rd party vendors including Disputes, Customer Service, and Compliance

- Handling Customer's Inquiries, Complaints and Requests- Technical Support & Trouble Shooting- Quality Assurance Control & Teams Developing- Financial Transactions Auditing