Mohammad Al-Khalaf

Experience

• 

  Burgan Bank

  Sept 2014 - Apr 2019

  - Ensured Full awareness of all products provided and constantly updated all changes and amendments on products features, procedures and processes.- Promoted Bank products by providing consistent, accurate and transparent information to customers.- Achieved sales target assigned and contributed to the overall achievement of the team.- Identified new potential selling opportunities.- Ensured that all service levels and agreements are being met consistently and strictly followed.- Follow up and close selling/cross selling lead referrals. Show less - Cashed checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.- Received checks and cash for deposits, verified amounts, and checked accuracy of deposit slips.- Examined checks for endorsements and verified other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.- Entered customers' transactions into computers in order to record transactions and issue computer-generated reciepts. Show less

  • Personal Banking Executive (Assistant Branch Manager)

    Oct 2017 - Apr 2019

  • Customer Relations Officer

    Mar 2015 - Oct 2017

  • Head Teller / Teller

    Sept 2014 - Mar 2015
• 

  Kuwait Ports Authority

  Apr 2019 - Jul 2019

  Human Resources Administrator

  - Assisted with day to day operations of the HR functions and duties.- Provided clerical and administrative support to Human Resources executives.- Compiled and updated employee records (hard and soft copies).- Dealt with employee requests regarding human resources issues, rules, and regulations.- Assisted in payroll preparation by providing relevant data (absences, bonus, leaves, etc).

• 

  Burgan Bank

  Jul 2019 - now

  - Developed and maintained segment business plan, monitored and reported segment performance and status according to standard reporting procedure.- Supported in implementing retention strategy to manage segment through different channels.- Developed and maintained different procedures for the products and services of the segment and ensured the effective launch of the new products and services.- Assisted in managing the evaluation of industry trends, customer feedback, technological advancements and marketing requirements.- Assisted in developing marketing strategies on products and services related to segment.- Tracked initial forecasts of products, investigated, resolved product quality issues as necessary actions to maintain goals, implemented cost reduction opportunities, and maximize profits.- Provided proactive suggestions to enhance product quality.- Assisted in brand building activities for segments in charge.- Ensured product handbook is regularly updated.- Assisted in developing customer value proposition and promotional campaigns and tracked performance of each. Show less - Understanding market trends, and competitors to identify gaps in the products and services offered- Attracting new business opportunities and communicate the products/services of the bank to government/private target entities.- Developing a portfolio of business relationships and ensuring retention of total client assets and net growth in relationship- Playing a key role in the conversion of prospects to customers in collaboration with the departments- Participating in strengthening the brand image and position through the participation in various venues ( exhibition, booths, etc.) to promote the products and services of the bank-Generating periodic reports ensuring accuracy and timely delivery- Defining the requirements received from clients and ensuring it is communicated to related departments- Ensuring continuous communication with clients to facilitate potential opportunities in proper manner- Building alliance/partnerships with merchants to offer value added services to the customers- Participating in the selection and development of staff-Evaluating performance and recommending developmental needs of the team- Reviewing recommendations of subordinate staff and providing guidance in resolving complex or sensitive problems- Maintaining and promoting positive work culture and responsible for improving employee engagement level of the team Show less - Supported the direct manager in carrying out market scan of product offers and fees and charges.- Monitored and managed customer queries and complaints regarding product offering.- Participated in preparation execution of the product/ feature program outlining product definition and design, pecullarities, target market, detailed SWOT, strategies, product positioning, research result, system requirements, credit policy, criteria, procedures, terms and conditions, risks vs rewards and business complete case.- Assisted the direct manager in ensuring that any change in the product offering or any new product addition is well represented by appropriate collaterals.- Contributed creative ideas for product development to discuss with the team and other stakeholders.- Coordinated and maintained the Cards portfolio including daily, monthly spends tracking, NII and NFI management, attrition management and ensured other key indices for cards portfolio and tracked grown.-Liaison with the team and other stakeholder departments within the bank and the external vendors (including but not limited to VISA / MASTERCARD / AMEX)- Liaison with and managed external vendors for goods and services required. Show less

  • Manager - Products and Segments at Burgan Bank

    Apr 2024 - now

  • Assistant Manager - Products & Segments

    Apr 2023 - Apr 2024

  • Assistant Manager - Business Development

    Sept 2021 - Apr 2023

  • Senior Officer - Card Products

    Jul 2019 - Sept 2021