OSAMA ABDEL-GAWAD
Hadayek Elahram Giza
Summary
Senior banking leader with over 16 years of progressive experience managing large industrial and commercial branches within multinational banking environments. Proven track record in branch turnaround, business growth, and governance stabilization under high-volume operating conditions. Recognized for full P&L ownership, regulatory discipline, and building high-performing teams while maintaining audit cleanliness and regulatory confidence. Extensive experience leading complex industrial branches through turnaround and accelerated growth phases, with direct accountability for people conduct, control environment, and balance sheet performance.
Overview
19
19
years of professional experience
Work History
Retail Team Leader (Large / Industrial Branch)
QNB Bank
11.2022 - Current
- - Full P&L ownership of a large, high-volume industrial branch serving Retail, SME, and HNI segments.
- - Assigned to lead a previously underperforming branch with weak controls, inconsistent staff behavior, and pressured business results.
- - Executed a parallel turnaround strategy across business recovery, governance stabilization, and people conduct improvement.
- - Delivered accelerated business recovery and growth, achieving full-year targets within less than three months and driving significant balance sheet expansion across deposits and credit portfolios under strict risk discipline.
- - Built a self-driven team culture aligned with performance evaluations, accountability, and personal development.
- - Acted as senior decision-maker for retail credit approvals within delegated authority limits.
- - Ensured full compliance with CBE regulations, AML/KYC requirements, operational risk standards, and internal controls.
- - Developed and promoted team members into higher leadership roles, including Branch Manager positions.
- 6th of October Industrial Zone
- Led daily operations to enhance customer service and optimize team performance.
- Trained and mentored staff to improve product knowledge and sales techniques.
Deputy Branch Manager / Retail Portfolio Manager
QNB Bank
10.2016 - 10.2022
- - Managed and expanded First and Priority customer portfolios through structured acquisition and cross-selling.
- - Reviewed and structured retail credit proposals, renewals, and restructuring cases.
- - Acted as senior escalation point for complex customer requests and service recovery.
- - Supported branch business targets, audit readiness, and operational excellence.
- - Acted as deputy decision-maker in the absence of the Branch Manager, ensuring continuity of performance and control standards.
- Led daily branch operations, ensuring compliance with banking regulations and internal policies.
- Developed and implemented strategies to enhance customer service and satisfaction metrics.
Operations Head
QNB Alahli Bank
09.2014 - 09.2016
- - Led branch operations including tellers, vault management, foreign exchange, accounting, and internal controls.
- - Served as Branch Compliance Officer and AML Correspondent.
- - Prepared accounting reports and supported internal and external audits.
- - Coordinate the diverse logistical
work - Streamlined operational processes to enhance efficiency and reduce turnaround times.
- Led cross-functional teams to implement strategic initiatives aligned with organizational goals.
Customer Service Officer / Teller
Société Générale Bank Egypt
10.2009 - 08.2014
- - Delivered front-line customer service and cash operations in a high-volume branch environment.
- - Utilize every chance to highlight products to customers, cross-sell to them, and resolve any issues
They may have. - Utilize every chance to highlight products to customers, cross-sell to them, and resolve any issues
They may have. - Resolved customer inquiries efficiently, enhancing satisfaction and loyalty.
Feasibility Studies & Business Analysis Consultant
Method & Solution
01.2007 - 01.2009
- - Delivered financial feasibility studies and business plans for large corporate clients in GCC markets.
- Conducted in-depth analysis of client needs, tailoring strategies to improve service delivery.
- Developed comprehensive reports on market trends, providing insights for strategic decision-making.
- Assisted clients in navigating complex industry challenges with strategic recommendations.
- Negotiated contracts and agreements on behalf of clients, securing favorable terms and conditions.
- Created and managed project plans, timelines and budgets.
Education
Corporate Finance Credit Professional Certificate -
EBI & NYIF
Cairo04-2025
MBA - Investment
Arab Academy For Science, Technology & Maritime Transport
Cairo, Egypt01.2013
Diploma in Project Assessment & Feasibility Study
Faculty of Economics And Political Science, Cairo University
Cairo, Egypt01-2008
Bachelor of Commerce - Accounting
Faculty of Commerce Cairo University
Giza, Egypt01.2007
Skills
- Retail Banking
- Customer Relationship Management
- Customer Retention
- Corporate Deals
- Team Building
- Teamworking
- Coaching & Mentoring
- Leadership
- Business Growth
- Business Development
- Product Development
- Business Negotiations
Accomplishments
- - 2025 Performance (A+): Achieved a final average score of 144%, driven by Deposits overachievement (245%+) and Unsecured Lending (169%+).
- - Turned around a large industrial branch with weak controls into a stable, high-performing unit.
- - Grew total branch deposits from EGP 700 Mn to EGP 2.45 Bn (250%+ growth).
- - Expanded credit facilities portfolio from EGP 236 Mn to EGP 647 Mn (270%+ growth).
- - Ranked branch among the Top 5 branches nationwide for four consecutive years.
- - Developed and promoted two team members into Branch Manager roles.
PROFESSIONAL TRAINING
- Branch Managers Training – EBI
- Corporate Banking & Legal for Corporate – EBI
- AML / KYC / FATCA – EBI
- Finance for non-financials EBI
- Leading Effective Teams EBI
- Effective Self & Time Management (Logic Consulting)
- Huthwaite SPIN Selling & Negotiation Skills (Logic Consulting)
- Leadership & Effective Team Management (Logic Consulting)
Timeline
Retail Team Leader (Large / Industrial Branch)
QNB Bank
11.2022 - Current
Deputy Branch Manager / Retail Portfolio Manager
QNB Bank
10.2016 - 10.2022
Operations Head
QNB Alahli Bank
09.2014 - 09.2016
Customer Service Officer / Teller
Société Générale Bank Egypt
10.2009 - 08.2014
Feasibility Studies & Business Analysis Consultant
Method & Solution
01.2007 - 01.2009
Corporate Finance Credit Professional Certificate -
EBI & NYIF
MBA - Investment
Arab Academy For Science, Technology & Maritime Transport
Diploma in Project Assessment & Feasibility Study
Faculty of Economics And Political Science, Cairo University
Bachelor of Commerce - Accounting
Faculty of Commerce Cairo University