ALEXANDRE R. TABBAH

**** **********, ******** • Québec, Canada, H3X 2T2 • ad4w9j@r.postjobfree.com • +1-438-***-**** SENIOR EXECUTIVE – CORPORATE & RETAIL CREDIT AND COLLECTIONS Trilingual (French, English and Arabic) executive with Egyptian & Canadian Nationality with over 15 years of experience in international banking and a record of achievement in improving bottom-line performance. Solid background in corporate and retail credit assessment, management and collection. Effective negotiator who can achieve win-win goals for all involved parties. Continually advanced in higher-level positions based on successes in delivering positive outcomes. CAREER HIGHLIGHTS

Assisted through the mandates assigned by ACM to improve the profitability of the SME clients by identifying financial, operational as well as management issues and providing practical solutions. Played a key role in the creation of the SME Business Unit and introduced the concept of Auto Loans and Consumer Goods Financing at Burgan Bank

Significantly contributed to turning overall audit rating of branches of Al-Ahli Bank of Kuwait from “needs Improvement” average rating to “satisfactory rating”. Designed/introduced loan products that were instrumental in growing portfolio under management from US$360M to US$4.8B and product profitability from US$24M to US$250M for National Bank of Kuwait. Managed and performed a central role in revamping the National Bank of Kuwait’s Call Center – establishing it as the best one in the region and the Middle East. Introduced the concepts of outbound calls for collection. Designed and participated in the creation of the Credit Bureau in Kuwait. Introduced the concept of Standardized Credit Proposal / Analysis Plan that contributed to the improvement of the efficiency of the Credit Department at the BNP Canada. CAREER HISTORY

Freelance Business Plans and Strategic Plans Developer, Montréal ■ 2019 - to date BUSINESS, FINANCIAL, OPERATIONS AND MARKETING BUSINESS PLAN DEVELOPER FOR SME’S Prepared on average monthly 8 to 10 formal Business Plans documents containing the goals of a business, the methods for attaining those goals, and the timeframe for the achieving these goals. The business plan also describes the nature of the business, background information on the organization, its operations, the competition, the competitive advantage and value proposition, financial projections, sources and uses of funds and the marketing strategies intended to achieve the stated targets. In its entirety, this document serves as a roadmap that provides direction to the business as well. Most of the clients need a business plan to accompany their efforts to raise the necessary funds required for their operating or expansion plans. Often, financial institutions, investors or organizations offering grants and subventions mandate the existence of a business plan along with the business application. ACM Canada Inc., Montréal ■ 2017 – 2019

FINANCIAL AND OPERATIONS SENIOR CONSULTANT TO SME’S Consultant among the various consultancy teams of ACM Canada. ACM Canada was founded in 2008 and specializes in offering consultancy services exclusively to SMEs to improve their management practices and profitability. ACM Canada targets various sectors namely manufacturing, production, services, construction industries having turnover ranging from CAD $700 thousand to CAD $5 million and more. ACM Canada services are currently offered in Québec and Ontario. These include financial, operational, organizational and marketing strategies consultancy services. Financial and Operational Consulting Services to improve growth, business development and profitability.

• Participated in several Consultation assignments covering the Financial and Operational aspects of the business.

• Assisted the SME clients of ACM, to improve and achieve maximum profitability by adopting better Management practices.

• Contributed to the improvement of clients’ understanding of their financial performance and the various productivity, liquidity, indebtedness, and cashflow financial ratios.

• Identified to the clients the elements that hinder their growth and profitability improvement.

• Recommended to customers practical management solutions.

• Developed and provided SME clients with tailor-made business management tools to improve their enterprises’ day-to-day management and prepare their annual budgets.

• Trained clients and their staff to effectively use the ACM Management tools. Burgan Bank, Kuwait ■ 2012 – 2017

DEPUTY RETAIL CREDIT HEAD & ASSISTANT GENERAL MANAGER (2012-2013) HEAD OF SME LENDING, CORPORATE BANKING (2013-2017) Supervised three units (Retail Credit & Collection and SME Credit). Burgan Bank was established in 1977 and is the youngest Commercial bank and third largest by assets in Kuwait, with a significant focus on the corporate and financial institutions sectors. Asset Growth, Business Development & Performance Improvements

• Developed, implemented and maintained an effective credit control policy and procedure for SMEs customers.

• Introduced the SME financing, designed the eligibility criteria, products offered, pricing and collaterals required. The first deal was sanctioned in June 2013, and by 2017 the unit had generated over 250 new relationships.

• Generated around US$ 200 million in assets (cash and non-cash) through the SME unit with full pricing.

• Coached 6 Relationship Managers in financial analysis, risk assessment, problem loans handling collection strategies.

• Improved the Retail Credit performance, revamped the Terms of Acceptance, collection methods doubling the portfolio size.

• Member of the bank’s credit committee with a personal lending limit of US$ 2million. Al-Ahli Bank of Kuwait, Kuwait ■ 2008 – 2011

DEPUTY RETAIL HEAD & ASSISTANT GENERAL MANAGER – HEAD OF LENDING & OPERATIONS Focused on increasing productivity and service quality, improving the bottom-line, and reducing costs in extremely tough international and local market conditions for a 28-branch bank in the Gulf region. Managed credit policy and all credit, collection, and operational procedures. Supervised 6-unit Business Division consisting of Credit Extension Unit, Collection Unit, Compliance Unit, Branches Control, Administration and Project Management Unit, and Post-Fact and Documentation Management Unit. Oversaw 100+ indirect reports, and managed 8 direct reports responsible for retail lending/collection, retail operations control, service quality, retail compliance, central bank relations, and alternative channels (On-Line Banking, Point of Sales, and Call Centre).

Asset Growth & Performance Improvements

• Generated over US$ 8M in new assets by introducing new retail lending products.

• Delivered 20% improvement in non-performing portfolio by reviewing and implementing new credit policies, collection strategies, and revamping branches’ procedures.

• Turned around audit rating of branches from “needs improvement” to “satisfactory” and reduced errors by 60+%. Identified root causes, created new procedures, and providing ongoing training and coaching to existing staff and recruits.

• Significantly improved the bottom-line by amending the lending policy, thereby booking new customers and reducing non- performing debts by a minimum of 20%.

Outsourcing

• Finalized negotiations with a foreign vendor for purchasing a fully automated credit application process (loans and credit cards), credit scoring, and collection management.

• Recommended and achieved management approval to centralize all accounts’ opening forms and related credit cards/loans documentation at Head Office versus storing them at branches.

• Changed existing file system and introduced a new, customer-centric Document Management System with scanning capability. National Bank of Kuwait (NBK), Kuwait ■ 1994-2008

ASSISTANT GENERAL MANAGER / HEAD, CONSUMER LENDING DIVISION (2001-2008) EXECUTIVE MANAGER / HEAD, CONSUMER LENDING DIVISION (1994-2001) Held general management authority for the Consumer Lending Division of a top-ranking Arab bank located in 15 countries. Organized, administered, managed, and supervised a division with 6 business units (Credit Extension, Collection, Product Management, Portfolio Management, Risk Management, and Control). Supervised 56 employees. Provided interim management and supervision of the Call Center (staff of 60) and the Direct Sales Unit (staff of 26) from 2001-2004. Portfolio / Product Profitability Growth & Bottom-Line Improvement, Cards Unit

• Grew portfolio under management from US$360M to US$4.8B and increased product profitability from US$24M to US$250M from 1994-2008 by designing and introducing a variety of tailor-made loan products.

• Delivered 5-times improvement in bottom-line by introducing the revolving feature on Credit Cards (NBK was the first to introduce this feature in Kuwait; previously, card balances were payable in full monthly). Automation & Improvement of Credit and Collection

• Prepared the RFP for an automated credit application process (including Application Credit Scoring), which reduced mistakes/errors by 70% and the credit approval/disbursement time from several days to just a few minutes.

• Designed and automated collection/follow up systems that reduced overall delinquency rates by 50+%.

• Designed and participated in implementing Consumer Credit Bureau in Kuwait (Ci-Net). Prepared a paper that was presented to the Central Bank of Kuwait and local lenders and subsequently approved. Call Center Reorganization & Upgrade

• Participated in RFP preparation, short-listing of hardware/software providers, and final selection for upgrading the Call Center.

• Short-listed consultancy companies specializing in telephony courses and chose the Consultancy group.

• Participated in designing a training program, hired new agents, and expanded from 12 to 60 agents.

• Improved service ratios from a 15% loss call ratio to less than 5% by establishing proper workforce planning.

• Introduced outbound collection.

Presentations, Training, and Coaching

• Led presentations on Division business plans, periodical forecasts, strategy papers, and action plans to senior management.

• Conducted training sessions to the Division and branch employees with particular emphasis on sales, marketing, credit, and collection.

• Member of the bank’s credit committee with a personal credit limit of US$ 800M Banque Nationale de Paris, Montréal, Canada ■ 1986-1993 ASSISTANT VICE PRESIDENT/ACCOUNT MANAGER– CONSUMER, COMMERCIAL & TRADE FINANCING (1990-1993) HEAD OF CREDIT DEPARTMENT “SECRÉTARIAT ENGAGEMENTS” (1986-1990) Earned promotions at a subsidiary of the world’s top-ranking French bank and internationally renowned leader and a major trade finance player. Developed and managed a high-quality selective portfolio of accounts with special emphasis on import/export, small business enterprises, and trade-oriented companies. Essential duties included marketing banking products/services, financial analysis and risk assessment, preparation of credit proposals, and management of relationships. Previously as Head of Secretariat Engagements (Credit Department), organized, managed, and administered the Credit Department responsible for analyzing credit proposals and submitting recommendations to the Credit Committee and closely monitoring adherence to conditions of credit and perfection of guarantees. Credit administration and supervision of the bank’s credit portfolio. Coached and trained 10 Analysts.

Top-Ranking Performance, Net Profit Improvement & Account Revitalization

• Ranked first among 18 Account Officers in Québec for referred business and relations

• Introduced 16 new relationships. Managed a portfolio at its peak of 80 commercial clients with average credit lines of US$ 4M.

• Addressed and resolved issues with problem accounts and negotiated additional guarantees and repayment schedules. Distribution System, Department Turnaround & Approval Time Reduction

• Reduced volume of overdue files 25% and improved relationships between analysts and account officers.

• Developed a plan that reduced the approval time from 10 days to 72 hours. Standard Credit Proposal/Analysis Plan & Control Procedures.

• Significantly contributed to improving portfolio quality and reduced loan losses/provisions. Upgraded the Bank’s rating by the Head Office Inspection Mission from Substandard to Acceptable by introducing a standard credit proposal/analysis plan.

• Implemented new control and follow-up procedures to optimize account management, administration, and supervision. Early Career Experience:

Manager/Deputy to the Corporate Credit Group Head – Bank of America, Cairo, Egypt. Handled ongoing development and management of a selective portfolio of middle-market accounts at this subsidiary of Bank of America. At its peak, the portfolio consisted of 61 accounts with individual credit limits ranging between US$ 50K and US$ 6M and totaling US$ 125M.

• Marketed banking products and services; conducted credit analysis, and prepared credit proposals for approval. Assisted in identifying target markets and determining terms of credit acceptance for each market segment.

• Member of Egypt’s Credit Committee with a personal credit limit of US$ 400K Manager/Deputy to the Corporate Credit Group Head – Citibank, Cairo, Egypt. In charge of managing and developing a portfolio of middle-market and trade-oriented companies at a worldwide leader in trade finance.

• Administered a portfolio of 44 accounts and acquired 15 new relationships. Marketed banking services/products, prepared credit proposals, and managed the Problem Loans Department.

• Member of Egypt’s Credit Committee with a personal credit limit of US$ 250K. EDUCATION

• B.Sc., Chemistry – Faculty of Sciences – University of Alexandria, Alexandria, Egypt Titles and Professional Certificates

• Financial and Insurance Manager (Automobile Industry), Certificate issued by Summum Auto Training, March 2018

• Financial Solutions Specialist (Automobile Industry), Certificate issued by Summum Auto Training in cooperation with l’Académie (Autonum), March 2018

Professional Development & Seminars

• NATIONAL BANK OF KUWAIT – Kuwait

Strategic Planning & Organization; Strategic Marketing; Strategic Management; Strategic Leadership; Leaders in Dubai Strategic Leadership & Management

• BANQUE NATIONALE DE PARIS – Montreal, Canada

Leasing; Financing During Recession

• BANK OF AMERICA – Cairo, Egypt

Basic & Advanced Electronic Banking; Advanced Selling Skills

• CITIBANK – North America, Europe, Africa

Citibank Credit Course; Intermediate & Advance Credit; Intermediate Trade Finance; Foreign Exchange & Money Market

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