Islam Mowafi

Experience

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  Arab Bank

  Mar 2004 - Jul 2011

  • Responsible for Retail banking Assets & Credit Card products.• Setting the business plan for Assets & Credit Card products to flow through the year with required pricing for a profitable portfolio based upon feasibility projections.• Execute product development plans through proposing new features and ideas besides enhancing the existing products and services.• Set P&P and T&C for new Asset products and Credit Card features and review existing ones.• Perform periodic updates for Retail companies TML to categorize companies and consider loans pricing in accordance to companies behavior and activity.• Communicate required changes related to Asset & Credit Card criteria and P&P with HO in Jordan and UAE.• Perform periodic Assets products Market scan to cope with dynamic market changes.• Follow product execution through coordinating between concerned parties: Operations, Compliance, finance, legal and IT.• Design and implement innovative ATL & BTL campaigns, promotions & incentive schemes to attract consumers and gain extra market share & to Support front liners, direct sales force in marketing AB products.• Prepare statistical analysis for both Assets and Credit Card offers and campaigns to measure its impact and if it came up with targeted results.• Responsible for the coordination between Visa International and Arab Bank. • Working on an ongoing process to incentivize customers for more credit card utilization.• Measure branches’ performance regarding set targets for Asset products.• Handling deals with insurance companies responsible for providing insurance packages for Credit Cards and Lending Facilities and evaluates their performance.• Handling new and existing Agreements with Third Parties.• Authorized Trainer for both Existing and new to bank staff on Retail Asset Products. Show less • Leading Credit card Delinquency control Team. • According to Delinquency control Policy, implementing new plans to decrease delinquency ratio.• Motivation of Credit card team through applying internal rotation and granting tangible incentives for top performers.• Provide needful Data and ideas for Product development department concerning pricing, campaigns & launching new products and programs. • Preparation of periodic performance statistics, MIS, Provisions &write- Off reports to be sent to the Head Office in Jordan.• Holding meetings with Arab Bank's outsourced subsidiaries to evaluate their performance.• Participating in hiring new employees for Delinquency control department. Show less

  • Assistant Manager -Retail product development | Retail Business

    Aug 2008 - Jul 2011

  • Retail Credit Cards collection supervisor - Retail Risk

    Aug 2006 - Jul 2008

  • Branch Senior retail customer service officer

    Mar 2005 - Jul 2006

  • Retail Loans Collections Officer - Retail Risk

    Mar 2004 - Feb 2005
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  Bank Audi - Egypt

  Aug 2011 - Jun 2019

  • Managing Retail banking Credit Cards and Car Financing product.• Improve Level Of product offering to existing and new to bank customers by developing innovative product offering to meet different customer segment needs and to deliver product profitability• Deliver product P&L through coordination with all relevant parties; Sales, Credit Risk, Technology, Operations,Treasury & Finance.• Responsible to co-ordinate for direct marketing; Product Design, and Marketing campaigns Implementation• Achieve Customer’s Acquisition, Cross-Sell, and Revenue targets• Enhance required process through close coordination between Sales, Technology, Operations, Credit & Marketing• Develop and maintain extensive Sales MIS and ensure its proactive use to increase productivity.• Review and evaluate Auto Dealers and sales compensation schemes.• Measure branches’ and DSF’s performance regarding set target.• Communicate and train front officers and Virtual branch staff on all product offers proposition.• Handling deals with insurance companies responsible for providing insurance packages for Auto Loans and evaluates their performance.• Enhance bank image & Enrich product proposition.• Increase product profitability.• Manage daily activities related to product development.• Launched World MasterCard for the first time in Egypt. Show less

  • AGM - Head of Consumer Lending ( Assets-Cards-Very small business loans-Mortgage)-Retail Business

    Jan 2016 - Jun 2019

  • Senior Manager -Auto loans and Credit cards product manager - Retail Business

    Aug 2011 - Dec 2015
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  Bank ABC

  Jul 2019 - Nov 2020

  VP-Head Of Retail Product Development & Segments | Retail business

  • Accountable for Retail Products and Segments, P&L, Balance sheet and Portfolio performance in terms of revenue and portfolio behavior.• Proactively seek opportunities to increase Retail Banking income and profitability • Closely collaborate with Finance, Operations, IT, Distribution Channels, Treasury and Head Office teams inBahrain to ensure the successful development, rollout, and management of products and segments.• Develop value proposition, target segment strategy, and business plan for assigned segments.• Study existing customer attributes and define needs and offer the right products and services• Define product requirements such as (segment needs, channel preferences, high-level product characteristics) toproduct development counterparts.• Ensure that product development counterparts fully understand the product requirements.• Develop campaign / promotion requirements for all segments.• Conduct periodic review / revision of target segment strategy / business plan• Provide the necessary customer data embedded with required information and conduct required data analysis inorder to share with sales and alternative channel units.• Support various departments, in development of overall architecture towards being a customer centricorganization• Review pricing models for each segment and recommend changes if required• Develop new fees lines accompanied by each segment products that should uplift retail banking profitability tounprecedented Show less

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  Egyptian Arab Land Bank

  Dec 2020 - Jun 2024

  GM - Head of Retail Banking and Alternative Channels | Retail & Branches

  • Accountable for managing Retail Banking Group (Products and Segments, Direct Sales Team, Digital channels & ATMs network and Call center) • Enhance P&L, Balance sheet and Portfolio performance in terms of profitability and portfolio behavior.• Enhance delivery channels to meet customers’ expectations, though data mining and continuous performance analysis, incentive scheme revisit, adding on new products and services; in order to improve customer satisfaction• Managing relations with supporting functions stakeholders in order to pave the way for smooth retail business flow.• Set sales’ expansion plan with defining targeted segments and desired pricing to meet set budget.• Monitoring sales performance across all channels and applying different sales techniques to enhance sales team productivity.• Introduce out of the box ideas to reduce expenses while maintaining same level of performance.• Revisiting and enhancing existing customers proposition in terms of products and services.• Re-engineering process and procedures in order to secure smooth process flow.• Upgrade lending policies to upgrade programs to attract different targeted customers’ segments.• As ALCO member ; accountable for retail products (interest rates - Fees and charges) periodic repricing.• Direct coordination with central bank of Egypt regarding new projects , initiative , products and regulatory instructions. • Coaching and incentivizing retail teams to achieve set targets regardless of the prevailing challenges.• Manage relations with 3rd parties related to Digital banking ,call center, ATM’s , cards schemes and processors , marketing agencies , etc.• Develop opportunities to increase Retail Banking income and profitability• Track shifts in market dynamics, consumer behavior & competition moves , working with distribution Channels.• Setting and executing an end to end plan to meet customers’ expectations with high level of remote service throughout different alternative channels. Show less

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  QNB Egypt

  Jul 2024 - now

  Head of Consumer Lending