Ibrahim SaadAllah

· Manage the Retail Banking strategy and yearly business plan to achieve the bank growth targets namely; profitability, revenue generation, customer- growth in customer base etc. That’s in cooperation with relevant internal and external stakeholders and in line with the CBE updated regulations. Scope responsibility; Branches’ Network, Wealth Management, Digital Banking, Product Development, Mortgage, Direct Sales, Payroll and Financial Inclusion.

· Overlooks the development of new retail banking products reflecting the bank’s direction and business financial model. Monitors the cycle of approvals in the testing phase and through launching.

· Review the bank brand identity and adjusts strategies in line with the bank new direction and image. Ensures program efficient handling and implementation.

· Leverages the up-to-date customer experience and financial inclusion strategies and monitors its deployment. Checks on customer feedbacks’ and incident handling. Ensures all new strategies are in line with the CBE regulations.

· Reviews periodically the Sector quantitative and qualitative progress reports and presents it to the Top Management.

· Represents the Sector with relevant Heads in the Executive Committee to present new Business Propositions and acquire approvals.

· Keeps abreast with the Retail and consumer banking professional networks and banking regulators and advises with potential opportunities for business development and partnerships.

· To manage and enhance the SME's Credit Portfolio as a whole and to maximize on the returns, while keeping in consideration the asset quality as well as the diversification of the portfolio and maintaining an adequate deposit base. Steward implementation of marketing strategy for customized and packaged facilities, as well as liabilities products.

Leading 10 area managers with scope of 48 branches and 1 division head for digital banking

· Manage a retail sales & services function to ensure consistent delivery of sales and service to bank customers in terms of maintaining set services standard, allocate financial target, manage the business risk, building and retention of customer loyalty to the bank in order to achieve the retail financial and non financial targets. Managing the entire sales task force.

· Monitor staff performance, lead, develop and motivate area Manager and Branch Manager and recognize difference in branch need and planning the capacity of each branch to reach and maintain the staff satisfaction up to an acceptable level.

Leading 7 area managers with scope of 33 branches out of 42 branches

Manage assigned areas to ensure consistency of sales & service to bank customers in terms of maintaining set service standards, allocate financial targets, and manage the business risk, building and retention of customer loyalty to the bank to achieve the financial and non- financial targets assigned to the areas of concern. Manage the Human Capital staff issues under the areas of concern

Manage an area of 11 branches to ensure consistency of sales & service to bank customers in terms of maintaining set service standards, allocate financial targets, and manage the business risk, building and retention of customer loyalty to the bank to achieve the financial and non- financial targets assigned to your area.

• Responsible for managing and supervising Central Operation Team to ensure a high quality of service provided for all Operational transactions & work related. To ensure that all Operations functions are conducted smoothly as per

Policies and procedures.

• Continually spearheads the drive to proactively enhance the customer experience via leadership in people management /team building, continuous process improvement and co-ordination with product development. Develops and implements business relationship building and acquisitions initiative.

• Supervision and problem solving of all Operations functions.

• Prepare all operational manuals and procedures to be approved by senior management.