Hamad Mohammad Alzahidi
Dubai,UAE
Summary
Accomplished professional with expertise in Public Sector Payments (PSP) Strategy & Distribution and Government & Semi-Government Relationship Management. Demonstrates proficiency in Multi-Site Operations & Network Oversight, driving Business Development & Revenue Growth through effective Vendor & Stakeholder Management. Skilled in Process Optimization & Operational Efficiency, with a strong focus on Risk Management & Fraud Prevention. Proven leader in Team Leadership & Performance Management, committed to enhancing organizational success and pursuing opportunities for strategic advancement.
Overview
23
23
years of professional experience
3
3
years of post-secondary education
Work history
Senior Manager – PSP Distribution
Commercial Bank of Dubai (CBD)
2020.01 - 2026.05
- Lead and oversee the PSP distribution network across key strategic locations in the UAE, ensuring operational excellence and alignment with government and institutional requirements.
- Manage end-to-end PSP distribution operations across multiple high-volume locations (airports, borders, free zones, and government service centers)
- Drive business continuity and service reliability across all PSP touchpoints
- Collaborate with internal stakeholders and external partners to support new initiatives and evolving business requirements
- Oversee vendor performance and ensure efficient service delivery in line with SLAs
- Enhance operational workflows and implement process improvements aligned with government strategies and digital transformation initiatives
- Lead and manage teams across various locations, ensuring high performance and service quality
Relationship Manager – Public Sector Payments
2018.01 - 2020.01
- Managed a portfolio of government, semi-government, and corporate PSP clients, focusing on relationship growth and business expansion.
- Managed and grew PSP client portfolio in alignment with the bank’s strategic objectives
- Developed strong relationships with key stakeholders to enhance client retention and satisfaction
- Identified and onboarded new PSP partners, managing the full lifecycle from acquisition to implementation
- Drove cross-selling initiatives to increase product penetration and overall revenue
- Worked closely with internal teams to deliver tailored solutions and improve service delivery
Manager – Card & Account Fraud
2016.01 - 2018.12
- Led fraud monitoring and prevention activities across all card products and channels within the bank.
- Managed fraud detection and prevention across credit, debit, and prepaid card portfolios
- Reduced fraud exposure through proactive monitoring and rapid response mechanisms
- Developed and implemented SOPs to enhance operational control and efficiency
- Managed incident reporting and crisis response to mitigate financial and reputational risks
- Coordinated with external vendors to ensure system effectiveness and compliance with market standards
- Led team planning, workload distribution, and performance monitoring
Portfolio Manager – Payroll & Prepaid Cards
CBD
2013.01 - 2015.12
- Managed payroll and prepaid card portfolios, focusing on product development and market expansion.
- Developed and enhanced payroll and prepaid card solutions for government and corporate clients
- Led product launches and marketing campaigns to drive portfolio growth
- Conducted client visits to identify business needs and deliver customized payment solutions
- Monitored sales performance and supported branch teams to achieve targets
- Delivered training programs to sales teams on new products and initiatives
Senior Officer – Cards
2010.01 - 2013.01
- Managed card campaigns in coordination with marketing teams
- Supported card issuance processes and customer onboarding
- Contributed to business development initiatives within the cards segment
Branch Supervisor
2003.01 - 2009.01
- Supported branch operations and ensured high levels of customer service
- Assisted in managing daily activities to meet operational and service standards
- Handled customer requests efficiently and ensured timely resolution
Education
Diploma - Construction Engineering
Higher Colleges of Technology
UAE 2003.01 - 2006.01
Skills
- Public Sector Payments (PSP) Strategy & Distribution
- Government & Semi-Government Relationship Management
- Multi-Site Operations & Network Oversight
- Business Development & Revenue Growth
- Vendor & Stakeholder Management
- Process Optimization & Operational Efficiency
- Risk Management & Fraud Prevention
- Team Leadership & Performance Management
ADDITIONAL INFORMATION
Languages: Arabic, English, Urdu
PROFESSIONAL DEVELOPMENT
- CBD Leadership & Management Program (2023)
- Future Proof Banker Program (2020–2021)
- Sales Management Leadership Program (2020)
- The 7 Habits of Highly Effective People
- The Essential Role of Leadership
- The Multipliers Workshop
- Leadership Customer Loyalty Program
- Training Program – BLC Bank, France
ADDITIONAL INFORMATION
- Nationality: Emirati
- Marital Status: Married
- Military Service: Completed (2019–2020)
Timeline
Senior Manager – PSP Distribution
Commercial Bank of Dubai (CBD)
2020.01 - 2026.05
Relationship Manager – Public Sector Payments
2018.01 - 2020.01
Manager – Card & Account Fraud
2016.01 - 2018.12
Portfolio Manager – Payroll & Prepaid Cards
CBD
2013.01 - 2015.12
Senior Officer – Cards
2010.01 - 2013.01
Diploma - Construction Engineering
Higher Colleges of Technology
2003.01 - 2006.01
Branch Supervisor
2003.01 - 2009.01