Mohammad Fraij Email & Phone Number

Middle East

• Devised nationwide strategies for critical sectors in the GCC with esteemed governmental and private entities:- Worked with a GCC ministry to create multifaceted strategies aimed at completely revamping and enhancing the entire educational sector on 4 fronts: academia, innovation, economic alignment and equitable access- Worked with a GCC sustainability-related national centre to reshape its governance and devise MECE functional statements & process maps across numerous departments, and set key targets and KPIs to enable the achievement of strategic nationwide goals- Worked with a leading GCC tourism entity and ensured progress of numerous initiatives for the official launch of a national tourism project with VVIPs, met deadlines, maintained quality, identified risks, and provided solutions for smooth execution- Developed extensive recommendation strategies, benchmarking analyses, research papers etc., to assist senior government personnel make nationwide decisions

Amman, Jordan

1. Managed strategic key business practices of the parent company (steel trading):- Analysed world prices, conducted & negotiated key purchases, and issued 7 figure bank LCs for various types of steel from different continents (imports)- Explored new strategic relationships with banks, global suppliers & clients (B2C & B2B) to ultimately drive bottom line- Optimised organisational efficiency through operational improvements including automation2. Led market entry as a management consultant for a retail start-up in luxury furniture. Captured 16% of market share with 6 figure profits in 1st year and saved over 35% of planned budget:- Analysed current & future competitive landscape extensively. Accordingly created intricate strategies including market positioning, brand image, corporate governance and advertising recommendations- Outlined implementation strategy: make vs buy, corporate culture, hiring and further budgeting

• Capex optimisation of 40 billion SAR in Saudi for a utility’s mega corporation. Saved 2+ billion SAR:1. Co-created 10 comprehensive templates that will be permanently used by the client to identify, classify and prioritise all 40 billion SAR worth of investments to optimise capex 2. Assisted in devising comprehensive training programs for client’s employees to improve their project management skills and their ability to efficiently use devised templates3. Created a full timeline for all investment related meetings (projects > 50 Million SAR). Classified which projects should be discussed on what dates and by whom based on strategic and monetary analyses

London, England, United Kingdom

Project Title: How do Challenger Banks (CBs) leverage the rapid expansion of Artificial Intelligence (AI) and Machine Learning (ML) to enhance customer experience and reinforce their competitive advantage over traditional banks in the UK?• Identified how challenger banks (CBs) can exploit AI & ML to transform customer experience compared to traditional banks• Recommended specific AI & ML algorithms that improve CBs competitive positioning and bottom line in areas such as Personal Finance Management & Phishing Detection• Examined & prioritised the main risks posed by AI & ML to CBs and proposed relevant mitigative strategies• Devised implementation strategies regarding AI & ML in CBs: governance, infrastructure & culture

Bath, England, United Kingdom

As part of the Final Year Project, team was chosen and funded by Accenture to explore “Users’ Willingness to Share (WTS) Personal Data in the Context of Mobile Applications”. Team produced a 212-page “novel contribution” that was awarded 1st class and comprised of:1. Breaking down users’ WTS personal data into 4 factors, namely Trust, Perceived Value, Herding Heuristic & Data Awareness, and conducting substantial academic research into each2. Performing numerous statistical analyses to uncover the correlative relationships between each of the four determinants and users’ WTS personal data3. Discussing and analysing the implications of the above findings on businesses 4. Recommending how businesses can utilise the four determinants to encourage consumers to share personal data, while exploring an inevitable ethical dilemma regarding Big Data

Amman, Jordan

• Identified lucrative 7-figure business opportunity in Turkey by analysing economic forecasts, business costs, 250+ competitors, investment laws, client demographics, supply chains & political stability • Identified a new supplier based on price analyses of all Chinese steel suppliers over four years• Analysed overall company performance and market dynamics, and accordingly recommended new strategic options such as expanding into the African/Asian market or entering the manufacturing sector • Participated in meetings with bank executives, government officials and international suppliers

Amman, Jordan

Internship comprised of rotating between 2 Departments in Arab Bank's HQ, supervised by both Vice Presidents:1. Credit Department• Identified and applied diverse factors that determine client creditworthiness to numerous industries such as real estate, commodities and education• Analysed economic implications on different industries to pinpoint credit risk levels. Implications included 19.2% unemployment, interest rate volatility and expected consumption 2. Corporate & Institutional Banking (CIB) Department• Observed sales procedures of socially interacting with elite companies in Jordan

London, England, United Kingdom

Global Client Management department supervised by the Vice President:• Managed multiple ongoing projects with team members for different markets & institutions such as central banks, sovereigns, hedge funds and top banks including HSBC & Citibank • Collated extensive revenue data of 300 clients with 11 lines of revenue per client ($1.3 Billion). • Analysed revenue data with excel to draw managerial and strategic insights. Analyses were used by CEO to remove 52% of clients and introduce new permanent departmental rules• Prepared presentations for CEO’s senior U.S meetings alongside Vice President

Master Of Science - Ms, Economics & Strategy For Business, Averaged Distinction

• Distinctions in the following modules: Strategy Implementation (71.3), Corporate Strategy (71.7), Macroeconomics for Business (74.4).

Bachelor Of Business Administration - Bba, Averaged 2.1

• Achieved 1st class in the following modules: Management Consulting (71), Accounting for Managers (72), Consumer Psychology (76), Virtual.

Summer Course, Business/Managerial Economics, 96/100, A*

Elected as CEO in a summer course at Oxford University & our team won 1st place after coming up with the most profitable yet realistic.