Mohammad Al Mousa
Riyadh ,Saudi Arabia
Summary
A data-driven Portfolio Manager adept at leading teams and driving revenue growth through strategic initiatives and data analytics, complemented by skills in enhancing sales, developing strategic partnerships, and mitigating credit risk while ensuring regulatory compliance. An ambitious professional skilled in analyzing market trends, developing strategic investment plans, and building strong client relationships, focused on driving portfolio growth and maximizing client returns by specializing in tailored investment strategies that maximize client returns, expertise in identifying market opportunities, mitigating risks, and building lasting client relationships to drive financial success and deliver measurable growth in asset portfolios
Overview
14
14
years of professional experience
2011
2011
years of post-secondary education
1
1
Certification
Work history
Credit Cards Portfolio Manager
Emirates NBD KSA
Riyadh, Saudi Arabia
2025.08 - Current
- Strategies, developed, launched, and monitored credit card products and services to drive portfolio growth and achieve business targets.
- Led end-to-end portfolio initiatives from business case development through execution, post-launch review, and continuous optimization.
- Managed full customer lifecycle (CLM) across acquisition, activation, spend growth, retention, and attrition stages.
- Planned and executed data-driven marketing initiatives and merchant spend campaigns to increase card usage, transaction volume, and customer engagement.
- Oversaw outbound and after-sales credit card activities including instalments plans, credit limit increases, supplementary card issuance, balance build programs, and retention initiatives.
- Analyzed customer behavior, portfolio performance, and market trends to identify growth opportunities and enhance product offerings.
- Optimized portfolio performance metrics including utilization, ENR, profitability, and customer engagement through targeted strategies.
- Managed portfolio performance across multiple channels including inbound customer service, digital platforms, branches, and merchant networks.
- Collaborated with Risk and Analytics teams to enhance credit risk assessment frameworks while supporting sustainable portfolio growth.
- Conducted financial and performance analysis to support strategic decision-making and improve overall portfolio outcomes.
- Streamlined operational processes through automation and system enhancements to improve data accuracy, efficiency, and turnaround time.
- Enhanced policies, procedures, and workflows to improve customer experience and operational effectiveness.
- Worked closely with cross-functional teams including Risk, Compliance, Legal, Operations, Marketing, IT, and Analytics to ensure seamless execution of portfolio initiatives.
- Acted as key point of contact for internal and external stakeholders to ensure alignment with business objectives and smooth portfolio operations.
Cards Portfolio Assistant Manager
Emirates NBD KSA
Riyadh, Saudi Arabia
2023.09 - 2025.07
- Assisted team in targeting credit card revenue growth through management of key initiatives including balance build, credit limit increases, and additional card distribution.
- Supported development and execution of data-driven strategies to enhance ENR and improve overall portfolio performance.
- Aided in design and launch of new financial products such as loans on cards and balance transfers to bolster customer offerings and drive sales.
- Facilitated compliance with regulatory policies by collaborating closely with compliance, legal, and risk teams.
- Helped establish and refine KPIs and incentive structures to improve team productivity and ensure business objectives were met.
- Utilized data analytics to identify opportunities for increasing customer engagement and optimizing sales initiatives.
- Assisted in developing and implementing spend campaigns with merchants to encourage higher credit card usage and spending.
- Negotiated partnerships with merchants to secure exclusive deals that enhance customer value.
Team Leader – Cards Portfolio Call Centre
Emirates NBD (tanfeeth)
Dubai, United Arab Emirates
2015.09 - 2023.09
- Manage outbound sales portfolio, overseeing Balance Transfers, Easy Payment Plans (EPP), Direct Account Credit (DAC), and retention programs.
- Supervised and guided team, ensuring daily CRM lead assignments and target achievements across all sales campaigns.
- Collaborated with product teams to improve sales offerings, address escalations, and enhance customer acquisition.
- Conducted performance analysis, identifying gaps and implementing solutions to increase conversion rates and revenue.
- Reviewed and enhanced sales scripts, training materials, and product knowledge to maintain service excellence.
- Ensured compliance with credit risk policies, performing credit analysis to mitigate exposure and minimize risk.
- Worked with Customer Lifecycle Management (CLM) and Data Analytics teams to create targeted customer bases and drive revenue.
- Conducted regular training sessions and product updates to maintain highly skilled sales force.
Customer Service (Escalation Desk Officer)
Emirates NBD (Tanfeeth)
Dubai, United Arab Emirates
2014.03 - 2015.08
- Managed high-priority customer escalations, ensuring efficient resolution of complex cases.
- Handled fraudulent card usage cases, coordinating with internal teams to implement necessary security measures.
- Assisted customers who raised complaints via email, website, social media, and senior management escalations.
- Provided follow-ups for unresolved issues, ensuring customer satisfaction and retention.
Call Center Representative
Emirates NBD (Tanfeeth)
Dubai, United Arab Emirates
2013.02 - 2014.03
- Provided superior customer support via phone, email, and live chat, addressing inquiries and resolving issues efficiently.
- Developed expertise in handling complaints, managing difficult customers, and delivering high-quality service.
- Assisted with fraud prevention, identifying suspicious transactions and guiding customers through resolution process.
Front Office Agent
Le Royal International Abu Dhabi
Abu Dhabi, United Arab Emirates
2012.01 - 2013.01
- Managed guest relations, reservations, and front desk operations, ensuring exceptional customer service.
- Coordinated with internal departments to fulfill guest requests and resolve issues.
- Handled Opera System, optimizing front office workflow and operations.
Education
Hotel Management - Economic
Hashemite University
Zarqa- Jordan January 2007 - 2011.01
Skills
- Leadership and team management
- Portfolio and revenue growth strategies
- Portfolio optimization
- Data analytics and performance optimization
- Sales and business development
- Regulatory compliance and risk management
- Customer relationship management (CRM)
- Strategic partnerships and merchant relations
- Credit risk and fraud prevention
Certification
• Anti-Money Laundering – Emirates NBD
• Business Model Canvas – IBTKR GO, Jordan (June 2020)
• Introduction to Marketing – IBTKR GO, Jordan (June 2020)
• COPC High Management Performance – Dubai, UAE (February 2021)
Languages
Arabic
Native
English
Advanced
Accomplishments
Sapphire Award (Emirates NBD GEM)
References
References available upon request.
Timeline
Credit Cards Portfolio Manager
Emirates NBD KSA
2025.08 - Current
Cards Portfolio Assistant Manager
Emirates NBD KSA
2023.09 - 2025.07
Team Leader – Cards Portfolio Call Centre
Emirates NBD (tanfeeth)
2015.09 - 2023.09
Customer Service (Escalation Desk Officer)
Emirates NBD (Tanfeeth)
2014.03 - 2015.08
Call Center Representative
Emirates NBD (Tanfeeth)
2013.02 - 2014.03
Front Office Agent
Le Royal International Abu Dhabi
2012.01 - 2013.01
Hotel Management - Economic
Hashemite University
January 2007 - 2011.01