

Experienced banking leader with nearly 20 years of success in corporate and commercial banking across the UAE and Lebanon. Demonstrates deep expertise in transaction banking, cash management, and trade finance, driving operational excellence and revenue growth. Specializes in digital banking transformation, leveraging AI and data analytics to deliver innovative, customer-centric solutions that improve usability and efficiency. Holds a Doctorate in Business Administration focused on digital banking and user experience. Skilled in leading customer service teams, managing complex cash flow structures, and developing integrated digital banking products and corporate credit card solutions. Recognized for integrity, strategic leadership, and the ability to build trust through effective communication and emotional intelligence, achieving sustainable growth through data-driven decision-making and technological innovation.
Team Lead – Corporate & Transaction Banking | Digital Banking & Cash Management
RAKBANK - UAE
• Led a customer service team managing a wholesale banking portfolio exceeding AED 30 billion, including wholesale banking and financial institutions, achieving high client satisfaction and operational excellence.
• Improved team performance and fostered a positive work environment through mentoring and training, and enhanced service quality by deploying data-driven strategies based on KPI analysis.
• Strengthened client relationships by promptly resolving complex inquiries.
• Boosted operational efficiency by streamlining service processes with cross-functional teams and providing tailored cash management solutions.
• Delivered detailed performance and feedback reports to senior management, providing valuable insights.
• Maintained client trust during crises via proactive communication and support.
• Streamlined corporate account opening and profile updates, reducing request turnaround times and increasing efficiency.
• Led automation of reporting systems to improve operational workflows and minimize errors.
• Managed improvements in data integration, access, and security for large data volumes and enhanced the overall customers' digital onboarding journey.
• Promoted advanced analytics to support data-informed decisions and assisted organizations in adopting digital banking solutions to improve transaction speed and accuracy.
• Achieved significant improvements in client relationships by developing and expanding a diverse portfolio valued at over AED 3 billion.
• Increased profitability through strategic advice and prompt resolution of complex issues for senior client stakeholders.
• Enhanced liquidity and forecasting accuracy by leading large-scale cash management initiatives for key accounts.
• Strengthened clients' working capital positions by delivering structured trade finance and discounting solutions in collaboration with trade finance, treasury, and credit teams.
• Maintained regulatory compliance through comprehensive due diligence, including KYC checks and UBO verification.
• Drove sustainable profitability by designing customized financial solutions and uncovering hidden revenue opportunities within client portfolios.
• Achieved significant growth in a diverse client portfolio through proactive identification of market opportunities.
• Managed a diverse portfolio of services for 85 clients, guaranteeing efficient oversight of assets and liabilities valued at more than AED 1.5 billion.
• Delivered high-quality, solutions-focused advice to clients, enhancing overall service satisfaction.
• Recognized with a promotion to senior relationship manager for outstanding performance and leadership potential.
• Led initiatives to deliver comprehensive financial services that strengthened customer trust and loyalty and managed over 20 customer services daily.
• Oversaw monitoring of customer service quality indicators to elevate branch service standards and implemented feedback mechanisms to refine products and service delivery.
• Conducted in-depth analysis of customer profiles to develop customized solutions, contributing to the attainment of key performance and sales objectives.
• Successfully raised and organized over USD 100 million in funding for small and medium-sized enterprises throughout Lebanon, supporting their working capital, trade finance, and capital expenditure needs.
• Managed a team of 3 sales experts, focusing on client acquisition, portfolio expansion, and service quality in the SME segment, while ensuring strict credit discipline and maintaining strong relationships.
• Achieved consistent sales growth through proactive engagement with financial advisors and accounting firms, resulting in a robust client acquisition pipeline.
• Delivered tailored lending solutions exceeding USD 50 million across agricultural, hospitality, and industrial sectors, facilitating client growth and modernization.
• Fostered strong relationships with accountants and financial advisors, creating a high-quality referral network that enhanced portfolio performance and generated qualified opportunities.