Bachir Rahal

Experience

• 

  Banque du Liban

  Jan 2004 - Jan 2008

  Banking Control Commission - Credit Risk Examiner/Financial Controller

  - In charge of the portfolio of the 10 major banks in the country with a combined balance sheet in excess of USD 60 Bio and a credit exposure of more than USD 10 Bio.- Responsible for identifying potential defaults on the different credit classes through thorough financial analysis and micro economical studies.- Set up guidelines and action plans to be followed by the banks on a case by case basis. (recommendations for debt restructuring, management change, distribution, marketing …) - Insure adherence to local laws and prevent bankruptcies. عرض أقل

• 

  Credit Libanais

  Jan 2008 - now

  Operations:- Leading the establishment and management of the department, including planning operational requirements, recruiting staff, and overseeing implementation.- Developing and implementing strategies aligned with bank goals to drive growth.- Conducting market research and creating detailed business plans.- Defining and executing strategies for various acquisition channels, including standard POS terminals, unattended POS, and e-commerce.- Preparing annual plans for acquiring business, focusing on sales, volume, technology initiatives, and potential merchant partners.- Leading, coaching, and motivating a team of merchant sales executives to achieve individual targets.- Supervising daily operations in terms of reports review and enhancing the workflow by maintaining the high level of output in an efficient method.- Ensuring compliance with regulatory standards.- Preparing reports for senior management on performance metrics.Merchant Relationship:- Establishing and maintaining profitable partnerships with key stakeholders.- Collaborating with diverse teams to align efforts and achieve financial targets.- Managing promotion and service provided to merchants.- Building strong relationships with VIP merchants.- Identifying new trends, evaluating major competitors, and formulating compelling business propositions.- Implementing new services to meet merchant needs and enhance business growth.Fraud Monitoring:- Implementing fraud monitoring reports targeting risky MCC spending, high transaction volumes, split payments, repetitive payments, and spending by geographic area.- Following up with merchants to monitor suspicious transactions.- Escalating cases requiring investigation and claims to the chargeback department.- Preparing supporting documentation for chargeback cases.- Supervising daily operations to enhance workflow and decrease operational risk.- Collaborating with management teams to ensure alignment on fraud prevention strategies. عرض أقل - Managing an allocated corporate portfolio jointly with a team of relationship managers.- Introducing new corporate clients, initiating, developing and maintaining strong relationship with the corporate clients by sustaining frequent calls and visits on regular basis and daily follow up on any account irregularities (unpaid , limit violations …)- Analyzing and spreading the financial statements on Moody’s system to assess the credit risk for the corporate clients and ensuring completeness and perfection of the corporate file, information on client, credit study, financial documents, required legal documentation, collaterals and agreements.- Identifying lending opportunities to expand the commercial activities and cross sell the bank’s products and services to improve the cross selling ratio.- Monitoring the performance of the corporate accounts and check that the funds are employed according to the purpose stated in the loan application, set up and reviewing the client’s action plan according to the global strategy of the department to maintain, expand or decrease the corporate relationship. - Providing to the high management regular updates on the performance of the corporate accounts and follow-up the businesses sectors and inform the division head which sectors are to be avoided and which sectors are to reinforced and closely follow up the clients belonging to these sectors. عرض أقل - Managing an allocated corporate portfolio jointly with a team of assistant relationship managers.- Introducing new corporate clients, initiating, developing and maintaining strong relationship with the corporate clients by sustaining frequent calls and visits on regular basis and daily follow up on any account irregularities (unpaid , limit violations …)- Analyzing and spreading the financial statements on Moody’s system to assess the credit risk for the corporate clients and ensuring completeness and perfection of the corporate file, information on client, credit study, financial documents, required legal documentation, collaterals and agreements.- Identifying lending opportunities to expand the commercial activities and cross sell the bank’s products and services to improve the cross selling ratio.- Monitoring the performance of the corporate accounts and check that the funds are employed according to the purpose stated in the loan application, set up and reviewing the client’s action plan according to the global strategy of the department to maintain, expand or decrease the corporate relationship. - Providing to the high management regular updates on the performance of the corporate accounts and follow-up the businesses sectors and inform the division head which sectors are to be avoided and which sectors are to reinforced and closely follow up the clients belonging to these sectors.- Controlling and monitoring the credit risk and risk exposures of the corporate portfolio and their facilities: ensure no backlog of overdue revisions, follow up on excesses, unpaid loans and slow moving facilities, recommend downgrade of the borrowers’ rating to the credit committee and prepare the appropriate impairment test of facilities.- Negotiating with the defaulting corporate accounts in line with the central bank circulars and reporting to the high management prior to transfer doubtful accounts to the collection and recovery department. عرض أقل

  • Head of Acquiring Department

    Jan 2020 - now

  • Deputy Head Of Department

    Jan 2017 - Jan 2021

  • Head Of Unit

    Jan 2013 - Jan 2017

  • Relationship Manager

    Jan 2008 - Jan 2013