Malih El Hage
Address Doha, Qatar
Driving all activities of the Acquiring lifecycle Merchant Sales (Acquisitions for POS & Payment Gateways), Merchant Operations & Servicing, Planning & Strategy for revenue growth, Merchant Portfolio interventions, Chargeback and Fraud Management, Product & Processing capability enhancements. Managing strategic partnerships with key merchants: helping build product propositions and growing issuance & spends, with an objective to grow market share. Driving pro table growth in market share, handling the P&L responsibility, while growing merchant acceptance footprint. Responsible for overseeing Merchant set-up and installation, Pricing, capex decisions, Field Service, Call Center support to ensure service quality. Developing and executing strategies on product proposition to drive incremental acquisition opportunities into proprietary sales desk. Extensive knowledge in Cards payment solutions both in issuing and acquiring space.
Head of Merchant Acquiring
Doha Bank Doha
March-2010 - Present
Maintain merchants relationships to ensure continual growth and sales targets.
Create, develop and implement a business plan to grow the business to sign up & nalize the agreement.
Build and manage the relationships of key accounts. Generate, maintain and increase business opportunities with existing merchants
Support the business in any way as requested to ensure its e ective operation.
Organize the business in line with the annual strategy to achieve or excel the targets set.
Identify the best performers merchants base to visit and action to further strength the relationship.
Optimize the fee based income by adopting a higher fee structure.. Formulate & monitor periodical reports to manage the business e ectively & in a scienti c manner.
Optimize cross selling opportunities.
Implementing of strategy in introducing new o erings in payments solutions like (DCC, QATCH, Q pay, HMS, Contactless, Master pass QR digital wallet but not limited to same).
Support the product developments team whilst organizing promotions campaigns with merchants.
Design, create and supply business proposals to banks and merchants. Handling Doha Bank Payment gateway channel & online portal. launched UPI POS & ATM acceptance the year 2012.
Launched MPOS technology in the year 2016.
Launched Contactless acceptance 2018 & as a rst time, Doha Bank customers will also be able to carry out e-commerce transactions with the added security of MasterCard Secure Code and QPAY using their MasterCard debit cards
Work closely with cards schemes (VISA / MasterCard/UPI & Amex). Business Development Manager -
Mashreq Bank Abu Dhabi
March-2003 - February-2009
working as a Business Development Manager and looking after Abu Dhabi & Al-Ain Cluster in the eld of Cards Acceptance & Merchant Acquiring Services.
Deal with merchants and solve their problems & troubleshooting needs. Relationship Manager for key accounts merchants like ( ve star Hotels, Jewelers, Travel Agencies, Hospitals & Shopping Malls). Arrange Fraud Training on VISA & MASTER cards and how to check fraud cards and the features of these cards.
Working on loyalty program for our merchants.
Playing commendable role in successful of Mashreq Bank WOW credit card. Signing new agreements for new merchants.
Approaching merchants who had competition banks.
Coordinate recruitment of quality pro table merchants Regular merchant visitations ensuring merchants are supplied with paper rolls, sim cards and branding materials
Push for merchant transactions.
Conduct regular merchant training's for best card and mobile acceptance practices and curb fraud at merchant locations
Manage merchant relationships and ensure merchant complaints are sorted within set SLAs
Ensure Merchants recruited remain with the Bank serving the customers Seek opportunities to cross sell to the Merchant and identify other business opportunities for the Bank
Ensure 100% compliance to the Banks policies and procedures. Education
Bachelor Degree in Management
Information Systems - MIS
United Arab University Al Ain
• Excellent interpersonal selling and networking skills. • Able to work independently, with minimum supervision and demonstrate a good level of maturity. • Strong Leadership skills • Team player. • Good planning and organization skills. • Good working knowledge of MS o ce suite. • Ability to work under pressure and within set deadlines.