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Cairo, Cairo Governorate, Egypt
August 27, 2018

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Group no. **, Building no. *, Apartment no. 41

Rehab City, New Cairo, Egypt

Mobile Phone: (002) 010*-*******



I am seeking a career opportunity in a multinational organization in Product development, Billing, MIS, Data analysis & Decision Support.

Qualifications and Specialties

• MIS reports, Data Analysis & Decision support (Analytical skills)

• Marketing (Activation Campaigns - Market Studies)

• Product Development (Launching New products & enhancing existing ones).

• Financial Billing (Preparation and Audit of Invoices and its Automation) Achievements

• I am proud of recognition of MasterCard International for Piraeus Bank-Egypt as the highest growing credit card issuer bank in Egypt in terms of gross domestic volume growth rate in 2008.

• Participated in the MIS for Piraeus Bank card center

• Participated in the product development of the credit card portfolio of Piraeus Bank.

• Launching the debit card with competitive features in the Egyptian market for NBG Bank. Work Experience

Cards Billing, Reporting & Data Analytics - Senior Manager August 2016 - Present DOPAY International – Banking

Duties included

•Deliver robust and timely analysis and reporting to understand and provide management insight on anticipated variances to product performance & customer behavior.

•Revise invoices of vendors to ensure the accuracy of data for billing purposes.

•Preparation of revenue estimation model to assist to demonstrate the company position for top management.

•Handling of monthly Key performance indicators that show the cards portfolio progress and pattern.

•Portfolio analysis for the purpose of customer segmentation for further usage by marketing department and top management.

•Ensure that monthly billing for the cards portfolio are timely prepared and reported to top management.

•Reconciliation of companies’ payroll prepaid cards figures between internal system and card processor reports.

•Liaising with card operations, financial department, issuer bank & top management.

•Monitor the activation process for new cards.

•Identify fee generating opportunities

•Measure the utilization/ spend outcomes / results in terms of profitability/losses.

•Track portfolio performance and follow-up segments/ accounts.

•Maintain proper communications with key stakeholders within the organization who have a direct impact on day to day portfolio activities.

Card Operations Senior Manager March 2015 – July 2016 DOPAY International – Banking

Duties included

• Monitor the team actions on the ticketing system for complaints to be resolved within the turnaround time.

• Supervise the team for handling chargeback cases in a timely manner to resolve disputes of cardholders.

• Designs and implements card operations policies and procedures and recommends changes to increase efficiency.

• Follow up with the vendor card processor to fix any bugs that might exist and to improve the capabilities of the product and service level provided.

• Monitor logistics team in cards and pins delivery in time with courier companies to maintain acceptable customer service level.

• Liaise with onboarding team for data capturing of all new card applications.

• Ensure adequate service delivery, by confirming the quality and timeliness of the service, ensure that customer requirements are promptly handled.

Marketing/Business Development/Exports Manager March 2013 – Feb 2015 Lamar Worldwide Trading Co. – Import/Export/International Trade Duties included

• Launched company website to introduce it in the international trade market.

• Creation of company profile on largest web for international trade to generate sales leads and business opportunities.

• Preparation of soft corporate offers with company logo for products, procedures & specs.

• Handling inquires quotations and purchase orders received from customers worldwide.

• Supervision on pricing with suppliers and updating the margin of each product.

• Coordination between buyers and suppliers in contracts amendments and finalization.

• International Markets penetration and building worldwide network for goods trading.

• Leads generation through commercial platforms on internet.

Marketing & Business Development Manager Oct 2011 – Feb 2013 ABC Technology EMEA Co., Ltd – Telecom System Integrator Duties included

• Building business opportunities via collaborative partnerships to create Joint Value for both the company and the customer.

• Responsible on a brand key performance measures via setting the vision, strategies and direction; while leading the execution of product and commercial innovations.

• Developing plans to win with customers and channels by leveraging the strategies and tools to drive growth in sales, share and return on investment.

• Preparation of campaigns to increase the traffic of customers on the company's website.

• Generate new leads for potential sales.

• Penetration of new international markets to reach new business opportunities.

• Posting ads for company's products on the internet via professional networks & specialized websites.

• Maximize contact with key accounts, key people & executives at various existing and prospect organizations and focus efforts to obtain new deals.

• Participation in exhibitions to present the company's profile to customers and exploring possible leads. Marketing & Business Development Manager October 2010 – Sept 2011 Consultix – Wireless Telecom Test Equipment Manufacturer Duties included

• Preparation of market studies on a regular basis.

• Posting ads for company's products on the internet via professional networks & specialized websites.

• Penetration of new international markets to spread the company's presence globally.

• Assisted in the preparation of business process for the departments to enhance the work flow inside the Enterprise.

• Marketing for the company's products on the internet to reach in the search engines one of the top 5 products worldwide.

• Building contacts with key accounts to obtain new leads.

Product Development – Senior Manager

National Bank of Greece – Retail Banking Products – Cards May 2009 – Sept 2010 Duties included

• Participated in preparing MIS reports for liability products to monitor the branches monthly performance.

• Preparing competition analysis for the other competitor banks' debit & credit cards to keep an eye on the market.

• Ensure accuracy of reporting and availability of required MIS reports and analysis for all card products.

• Participated in implementation of 123 network project on NBG ATMs network.

• Assisted the retail product head in preparing terms and conditions, & account opening application forms for the liability products.

• Assisting the retail product head in preparing competition analysis for liability products.

• Launching the debit card with competitive features in the Egyptian market.

• Prepared credit card program for NBG Bank.

• Ensure the smooth launch of the new cards products in line with the Retail Banking strategy.

Product Development – Head

Piraeus Bank – Retail Banking Products - Cards May 2006 – April 2009 Duties included

• Ensure accuracy of reporting and availability of required MIS reports and analysis for all card products to measure the growth of the portfolio & to understand the customer behavior.

• Preparing regular competition analysis for the other competitor banks' card products to keep an eye on the market.

• Preparing profit and loss analysis for marketing campaigns and offers.

• Participated in credit card product development, enrichment of existing products to attract new clients.

• Assisted in increasing the cards portfolio through the acquisition channels (Bank Branches, internal sales, & telesales) to achieve highest penetration in the market.

• Executed promotional programs for the activation of clients as well as the immediate usage of all the new cards.

• Monitoring retention and executing anti attrition programs to reduce the number of cancelled cards.

• Ensure the smooth launch of the new cards products in line with the Retail Banking strategy

• Develop annual Cards sales plan based on the marketing strategies and overall targets and budgets.

• Carry out advertisement and promotion activities related to various credit card products in conjunction with the Retail Sales & Marketing Department.

• Develop Co-branded card programs

Card Operations (Chargeback & Fraud Monitoring) – Senior Officer Arab Banking Corporation – Card Center May 2003 – April 2006 Duties included

• Handling the cardholders' disputes concerning transactions performed by Visa, & MasterCard and resolving them according to operating regulations set by Visa and MasterCard international.

• Filing Compliance and Arbitration Cases to Visa and MasterCard International.

• Fraud monitoring for transactions and reporting according to parameters set by Visa and MasterCard International.

Chargeback & Fraud Monitoring – Officer

Bank Misr - Card Center October 2000 – April 2003

Duties included

• Receiving cardholders’ disputes from the issuer banks for MasterCard, Cirrus, Maestro, cards & resolving those according to operating regulations set by MasterCard international.

• Reporting fraudulent transactions to MasterCard International & filing compliance, Arbitration Cases to MasterCard.

• Rotation among departments in the card center like the retail credit unit, recovery unit, reconciliation and settlement unit, point-of-sale machines unit, product development unit, customer service and call center. Education

Courses & Certifications

Visa International Business School:

Optimizing the premium portfolio held in Egypt in February 2009 Marketing for card professionals held in Egypt in February 2007 International Re-engineering disputes IRED (Chargeback Course) held in Egypt in June 2004 Fraud & Risk forums Organized by VISA International held quarterly in years 2003 to 2006 MasterCard International University:

Advanced Chargeback Processing held in Egypt in August 2004 Advanced Chargeback (IPM) Course held in Egypt in May 2003 Debit Operations Member Course held in Egypt in March 2003 Fraud & Risk forums Organized by MasterCard International held quarterly in years 2003 to 2006 Central Bank of Egypt

Modern Banking Services September 2001

Cambridge University UK

Human Resources Diploma – Grade Excellent

Graduation project: Compensation and benefits

Ain Shams University

Bachelor of Commerce, English Section, Major “Accounting” Grade Accumulated: Good

Year 1996 to June 1999

Salam College Language School

General Secondary Certificate year 1995

Language Skills

Arabic: Mother Tongue

English: Fluent

German: Fair

Effective Computer Skills

Software: Microsoft Office Expert

Operating Systems: Microsoft Windows

Miscellaneous: Internet browsing

Personal Data

Date of Birth: 9th of September 1978

Place of Birth: Cairo

Nationality: Egyptian

Military Status: Exempted

Marital Status: Married and have 2 kids

Social Activities

Member in El-Ahly Club, El-Zohour Club & El-Rehab Club.

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