Strategic and results-driven banking leader with over 20 years of experience in retail and SME banking, relationship management, and financial operations. Proven success in managing assets and liabilities, leading high-performing teams, and driving branch and portfolio growth. Adept at strategic planning, risk assessment, and stakeholder engagement to support sustainable profitability. Known for adaptability, cross-functional collaboration, and delivering measurable outcomes in dynamic and fast-paced environments. Currently seeking a leadership role within a reputable financial institution to leverage my expertise in financial strategy and organizational development.
Overview
21
21
years of professional experience
Work History
Partner – Head of Commercial & Financial Operations
GBS-Global Barcode Solutions
03.2024 - 06.2025
As a senior executive and equity partner, I lead both the Sales/Commercial and finance departments, aligning revenue growth with sound financial management to support long-term business success.
Key responsibilities:
Develop and implement company-wide commercial financial strategies.
Lead the sales department to exceed growth targets through strategic planning, B2B client Acquisition, and performance-driven team leadership.
Oversee all financial functions, including budgeting, forecasting, cash flow management and financial reporting.
Maintain relationships with key clients, suppliers and financial institutions.
Coordinate between sales, operations and finance to ensure profitability and operational efficiency.
Senior Manager -Retail/Consumer banking
National Bank of Kuwait-Egypt
03.2016 - 02.2024
Overseeing daily banking operations: managing the day-to-day operations of the bank, ensuring that all processes are running smoothly and efficiently.
Setting and achieving sales targets: responsible for setting sales targets for the bank's products and services and led a team to meet individual, team sales, and customer satisfaction goals.
Managing bank staff: This includes hiring, training, and supervising bank staff to ensure that they are performing their duties effectively and providing excellent customer service. Ensuring that the team is focused on the acquisition of new business and personal relationships and the retention and expansion of existing relationships and always following the established policy and procedures.
Developing and implementing business strategies: responsible for developing strategies to grow the bank's customer base and increase profitability.
Ensuring compliance with banking laws and regulations: This involves staying up-to-date with the latest banking laws and regulations and ensuring that the bank is in compliance with these rules.
Managing customer relationships: handling customer complaints, resolving disputes, providing financial advice to customers and ensuring that customers are satisfied with the bank's services.
Monitoring financial performance: responsible for monitoring the bank's financial performance and making necessary adjustments to improve profitability.
Implementing risk management processes: This involves identifying potential risks and implementing strategies to mitigate these risks.
Conducting regular audits: responsible for conducting regular audits to ensure that the bank's financial records are accurate and up-to-date.
Prepare frequent reports on portfolio performance progress.
Relationship Manager - Priority Banking
Emirates NBD
07.2015 - 02.2016
Duties & Responsibilities:
Prepare sales plan concerning Priority Banking clients aligning with the bank strategy and goals.
Establish and develop relationships with Priority Banking clients to introduce the banks’ services meeting the clients’ needs, along with targeting new clients to bank to Grow customer portfolio size.
Ensure adherence to branch and regulator policies, along with CBE policies and regulations
Develop opportunities to increase the sales production
Prepare and review all required reports and KYC forms to ensure that all transactions are adhered to the banks’ policies and procedures
Branch Sales & Service Manager
AlHilal Bank
10.2011 - 06.2015
Duties & Responsibilities:
Sales Leadership & Business Development
Drive branch sales performance across all retail banking products (e.g., Islamic current/savings accounts, personal finance, credit cards, takaful, investment products).
Set and monitor sales targets for branch staff, ensuring alignment with overall bank objectives.
Identify local business opportunities and implement branch-level campaigns to attract new customers and increase product penetration.
Customer Service Excellence
Ensure delivery of high-quality, Sharia-compliant customer service in line with Al Hilal Bank's standards.
Handle high-value or complex customer inquiries and complaints to ensure prompt resolution and customer satisfaction.
Maintain a strong focus on customer retention and loyalty programs.
Team Leadership & Staff Development
Manage, coach, and develop a team of relationship managers, tellers, and sales staff.
Conduct regular performance reviews, training sessions, and team meetings.
Promote a culture of accountability, teamwork, and service excellence.
Branch Operations Oversight
Supervise daily branch operations to ensure efficiency, security, and full compliance with Central Bank of the UAE, Al Hilal’s internal policies, and Islamic banking guidelines.
Ensure all transactions and documentation meet compliance, KYC, AML, and audit requirements.
Relationship Management
Build and maintain strong relationships with priority and high-net-worth clients.
Support the cross-selling of wealth management and investment solutions offered by the bank.
Risk Management & Compliance
Identify and mitigate operational and reputational risks within the branch.
Conduct periodic audits and ensure corrective actions are taken in a timely manner.
Reporting & Strategic Input
Prepare and submit regular reports on branch performance, sales figures, service levels, and operational issues.
Provide strategic input to senior management on local market conditions and client feedback.
Sales Supervisor
Emirates NBD Bank
08.2008 - 09.2011
Duties & Responsibilities:
Monitor customer preferences to determine focus of sales efforts.
Resolve customer complaints regarding sales and service.
Direct and coordinate activities involving sales of products, services, real estate or other subjects of sale.
Handle inquires related to deposit account products and services such as a check book request, ATM request, SMS, Standing orders, internet banking and any other related services.
Open and close deposit accounts for customers.
Input of customer deposit account details to the system, ensuring proper completion of forms, reports and customer files.
Prepare finance application & instruction on credit limits for approval and opening & closing finance accounts for customers.
Participate actively in branch sales planning to generate branch action plans to meet targets.
Build relationship with existing customers for retention.
Handle customer issues and complaints in an efficient and friendly manner.
Execute, distribute and record customer instruction from various channels (e.g. Mail, fax and phone) inclusive of accepting customer instructions for processing by other account holding branches.
Ensure that documentation required as per credit and operational policy & procedures is both provided and accurate prior to forwarding customer credit file to central operations for further processing.
Any other task entrusted by Line Manager.
Sales & Marketing Supervisor
Amer Group
02.2004 - 07.2008
Duties & Responsibilities:
Assists management with developing marketing strategies to sell new memberships.
Provides tours of the club to prospective members and conducts orientation programs for new members.
Acts as liaison between departments for coordination of services including special events, pool and golf activities for members.
Maintains all membership records and historical data and tracks success of all membership activities
Assists with creating reports related to membership using club management software.
Processes membership applications and updates club’s membership database.
Including a semiannual club newsletter, flyers, e-mails, and the club calendar informing members of scheduled events and programs.
Serves members and guests by providing customer service in the pro shop.
Provide professional instruction for Member/Guests as requested according to Club and PGA Standards.
Education
Master of Business Administration (MBA) - Finance & Banking & Risk Management
Presentation Skills Course by ESLSCA Business School.
Academic Writing Course by ESLSCA Business School.
Sales skills& Soft skills & fraud training sponsored by the ENBD.
Planning, modern manager, Time management courses.
Etiquette Courses Organized by ENBD and NBK Egypt.
Summary of Qualifications
Seasoned finance professional and banker with over 15 years of experience in retail and consumer banking, SME finance, and branch operations. Held senior leadership roles within top-tier financial institutions, demonstrating strong expertise in branch management, portfolio growth, customer service, team leadership, and product development. At NBK-E Mohandessin Branch, played a key role in expanding the portfolio from EGP 1.3B to EGP 4.2B over five years, while leading and mentoring a team of 15 staff members—achieving a 30% boost in productivity and reducing customer complaints by 15%. Known for delivering service excellence, driving regulatory compliance, and applying a strategic, data-driven approach to financial performance, risk management, and organizational development.
Timeline
Partner – Head of Commercial & Financial Operations
GBS-Global Barcode Solutions
03.2024 - 06.2025
Senior Manager -Retail/Consumer banking
National Bank of Kuwait-Egypt
03.2016 - 02.2024
Relationship Manager - Priority Banking
Emirates NBD
07.2015 - 02.2016
Branch Sales & Service Manager
AlHilal Bank
10.2011 - 06.2015
Sales Supervisor
Emirates NBD Bank
08.2008 - 09.2011
Sales & Marketing Supervisor
Amer Group
02.2004 - 07.2008
B.Sc. - Accounting, Faculty of commerce
Assiut University
Master of Business Administration (MBA) - Finance & Banking & Risk Management
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