Business Consultant General Manager

LUTOF QADDOUMI

*, **’dah Street, *st Floor, Al-Rabiyah, Al-Salam Quarter, Near Chinese Embassy, Amman, Jordan *****.********@*****.*** International Mobile/Whatsup: +1-438-***-**** CAREER HIGHLIGHTS

Wealth Management: Trained with Edward Jones & CO., obtained CSC I&II Certifications, LLQP

(Insurance Certification), KYC Trainings, CISI Level 3 International Certificate in Wealth & Investment Management. Associate Financial Adviser with WFG (affiliate of TransAmerica) and other Canadian insurance (Experior Financial Group).

Previously, General Manager with marketing background. Executive positions managing large P&L multinational affiliates internationally, extensive operational expertise building companies and new markets. Lead investments in several MENA developing markets including Saudi Arabia, UAE, Yemen, Tunisia, Egypt, Algeria, Morocco, Syria, Jordan and Libya within multinational corporations (P&G, PepsiCo and Sovena) and under consulting assignments by Fortune 500 investors and regional companies. This included business development & marketing strategies, organizational development, market & consumer research, investment proposals, financing, raising capital and negotiations with Governments, Financial Institutions and strategic partners. Consulting Assignments as Advisor to CEO of First National Bank to develop investments in North Africa comprising bank acquisition, Consultant to regional companies and CEO’s. Master in Economics, Master in Engineering Administration (MBA-like for industrial projects). Jordanian Citizen. US Educated. Worked and lived in USA, Canada, Switzerland, Saudi Arabia, UAE, Jordan, Tunisia, Morocco, Egypt, and Syria. Self-starter & Multi-cultural. EXECUTIVE SUMMARY

WORK EXPERIENCE (DETAILS FOLLOW)

. ASSOCIATE FINANCIAL ADVISOR, WFG, OCT 2021 – CURRENTLY

. ASSOCIATE FINANCIAL ADVISOR, EXPERIOR FINANCIAL GROUP, APR 2020 – MAR 2021

. FINANCIAL ADVISOR IN TRAINING, EDWARD JONES, FEB 2018 – OCT 2018

. SOVENA MENA, BOARD MEMBER & CONSULTANT, 2009 – 2014

. TIBA FOODS, CEO, 2005 – 2009

. INVESTMENT & BUSINESS CONSULTANT, MIC CONSULTANCY, 2000 – 2004

. REGIONAL DIRECTOR, PEPSICO, 1994 – 1999

. GENERAL MANAGER DEVELOPMENT MARKETS, PROCTER & GAMBLE, 1985 – 1994 EDUCATION

. MASTER OF ENGINEERING ADMINISTRATION, THE GOERGE WASHINGTON . UNIVERSITY, USA, 1985. VIEWED AS THE MBA FOR INDUSTRIAL BUSINESSES

. MASTER OF ECONOMICS, NORTH CAROLINA STATE UNIVERSITY, USA, 1984

. BACHELOR OF CIVIL ENGINEERING, NORTH CAROLINA STATE UNIVERSITY, USA, 1982 OTHER

Languages - English, French and Arabic

Trainings - CFA Level 1 Studies, McGill University Various Investment valuation trainings with P&G

Various market & macro market research trainings with P&G Executive Trainings with P&G - Positive Power & Influence, Leadership University Financial Trainings with PepsiCo - Bottler Economics & Franchise Economics Global Investing - Merrill Lynch

Trained as Financial Adviser with Edward Jones & CO. (CSC Certification, LLQP, KYC Training)

Personal - Jordanian Citizenship, married with 3 kids P R O F E S S I O N A L E X P E R I E N C E

Associate Financial Adviser in Wealth Management ■ 2018 - Present SCOPE – Trained with Edward Jones to become Investment Adviser in Canada. Later joined Experior then WFG as Associate Financial Adviser.

RESULTS – Obtained needed certifications (CSC I&II, LLQP, KYC). Recently, obtained CISI Level 3 and planning CISI level 4. KYC trainings completed.

Adviser to CEO’s, Remote ■ 2014 - Present

SCOPE – Advising CEO of First National Bank on investing & business development into MENA markets, strategic partnerships, market studies, MENA fund establishment and portfolio companies. Also advised start-ups on go-to-market strategies, financing, JV and commercial negotiations with key stakeholders. RESULTS – Several advisory and consulting services in favor of a major financial group (First National Bank) leading to entry strategy and consequent negotiations to establish financial services company comprising of a bank and a consumer financing company in Africa starting with Morocco and Tunisia. Developed entry plans and lead negotiations on behalf of the client with key stakeholders including Sovereign fund and targeted companies. Advised several other start-ups in MENA including Mixberrymedia.com, Shark Group, Bolero and others advising on fund raising, strategy, marketing and regional expansion. Board Member Sovena MENA, CEO Tiba Foods Co., Tunis, Tunisia ■ 2005 – 2014 SCOPE – Tiba Foods Company, sources, trades, bottles and exports to USA, Europe, North Africa, and Middle East. Brought on board to orchestrate a profitable exit for investors in an insolvent company. RESULTS -

Turned around the struggling business from insolvency to group of companies with $50M in sales by re- focusing operation towards private branding, upgrading the manufacturing operations and positioning it for acquisition by to a multinational company (Sovena Group).

Negotiated and re-scheduled debt with 4 banks and negotiated settlements with all stake holders

Negotiated and concluded acquisition agreement with Euro 10 Million Valuation as well as exit & handover schedule. Investors achieved 100% return on their initial investment. Ensured career security for employees Business Consultant - MIC Management Services Company, Tunis, Tunisia ■ 1999 – 2004 SCOPE - $2.0M+ turnover boutique specializing in investment and marketing consulting guiding F&B and FMCG investments in new territories. Provided investment strategy consultation to investors, CEOs, and Boards aimed at expanding business in tough development markets in MENA

Results –

Brought $20 million investment to establish an edible oils company in Tunisia and designing launch of its products in over 1600 supermarkets in the U.S. despite resistance from business community at large.

Designed, Financed, Developed and started the most modern Olive Oil Bottling Plant in North Africa.

Attracted major multinational companies, Fortune 500 investors and poring private equity fund

Orchestrated successful sale of an $80M dairy products producer (Leno) with 25+% ROI to investors by restructuring the business, streamlining SKU's by growing profitable brands and phasing out losing ones.

Conducted market studies to identify real estate investment opportunities involving lands in prime locations to develop fully integrated cities in favor of local and foreign investors.

Negotiated with government officials to acquire land, agree tax incentives and introduce investors for real estate development (residential, retail and industrial).

Worked with largest Tunisian Construction Group to transform itself to Real Estate Developer and Hospitality Operator that achieved high ROI on investment and 5 hotels generating over $50M in annual sales.

Guided major olive oil bottler into establishing a distribution network in USA and generated major agreements with key US Retailers to carry the brand. Retail Agreements included merchandising, consumer and trade incentive programs. Used CRM techniques to target consumers, build data base and create long term loyalty. Regional Director - PepsiCo, Jeddah, Saudi Arabia / Casablanca, Morocco ■ 1994 – 1999 Selected for high priority initiatives at a $65B company currently ranked #27 on the Forbes “World’s Most Powerful Brand” list. SCOPE – Leading and developing PepsiCo investments in North Africa and then develop and implement a strategy to reverse PepsiCo share regression in then developing markets of Saudi Arabia while devising and executing an investment plan to merge 3 bottlers into one after Coca-Cola competitive launch. RESULTS – Turned around the business:

Negotiated $65M acquisition agreement to acquire Moroccan bottler in partnership with Cadbury Schweppes.

Contributed to operating and raising funds for the $200M PepsiCo Africa Fund.

Increased market share from 68% to 78% and from 60% to 68% respectively in the Western and Southern regions, representing over $30M in incremental sales and doubling profitability to 8% of revenues.

Revitalized relationships between bottlers and the company and established platform for mergers between bottlers. Bottlers merged later into one entity following investment plan

Analyzed potential partners and succeeded in signing $30M franchise agreement with Algerian group to launch Pepsi Cola beverages in Algeria.

Procter & Gamble, Geneva, Switzerland / Jeddah, Saudi Arabia ■ 1986 – 1994 Achieved excellent performance record at the world’s most profitable consumer goods company with over $82B in revenues. Development Markets Group Manager – Associate Director (1991-1994) SCOPE - Challenged to form & lead P&G Investment Team to enter new markets & territories, formulate aggressive marketing & distribution plans and investment roadmap for company’s entry into ambiguous markets. These are difficult markets with vague laws and several restrictions at different levels. Conducted vigorous analysis to develop the entry plans ‘sectors, needed investments and drew an investment plan. Monitored implementation of plans encompassing product/consumer research, marketing, distribution, organizational development, KPI's, legal, financial and technical aspects. Negotiated internally and externally (executive management, team members, various departments, strategic partners, banks, suppliers) to move the investment plan forward. RESULTS

Accelerated Growth of P&G Export Department to become largest profit center in P&G Geneva in 1993. Established P&G Yemen Manufacturing operation with $35M investment, including organization, staffing, financing, and construction of manufacturing facilities.

Negotiated & Reached several multi-million JV agreements with various parties (Governments & Private Investors) to expand business into Yemen, Saudi, Algeria, Tunisia, Iran, Iraq, Ethiopia and others.

Drove over $5M in annual sales through structuring distribution agreement in Tunisia. Brand Manager, Arabian Peninsula (1986 – 1991)

SCOPE - Appointed to assume brand management for the Always brand followed by additional responsibilities to include shampoos and dentifrices. Challenges with Always involved the brand’s lack of growth due to restrictions on product advertising in conservative Saudi Arabia and its negative profitability – both of which were issues requiring out of the box solutions. Managed 2 direct reports in addition to dotted line reporting by finance, technical, and product research. RESULTS

Doubled market share to an unprecedented 42% for Always, achieved 50% branded category penetration, revived its profitability to 15% margins by consolidating SKUs, and doubled its volume to reach 25% of all female napkin changes.

Cost Savings _ Demonstrated to senior management that multiple SKUs of Always tripled manufacturing costs versus representing significant volume, thus implementing aggressive streamlining of SKU's and product offerings.

Created innovative advertising for Always via video films, an innovative concept with no restrictions based on videos being developed outside of Saudi Arabia.

Placed Always in 60% of Saudi homes via strategic promotion offering it as a gift premium on Pampers.

Doubled volume and market share for Head & Shoulders by revitalizing its brand image, including the addition of a beauty element and introduction of Head & Shoulders 2 & 1.

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