SADEQ J. ALTHAWAB

Joined as 5th member in D360, responsible to establish 3 business lines (Retail/SME/BaaS). Successfully launched the invite only retail release app, develop another SME app, and starting to plan the BaaS. the key responsibilities include:

• Selection and recruitment of top Product Owners talent that are responsible for single or multi-squads to develop end to end retail banking app.
• Establish Products roadmap and releases plan to reach to "App ready for Customers".
• Involved in discussions with regulators for all approvals needed.
• Establishing Product Value Proposition, Pricing, Packaging, Products roadmap, product market fit and many other roles in startup environment
• Setup full product owners plan and selection of talent for driving execution of products plan
• Co-implement with CIO, an Agile organization with squads composition, distribution of products squads, defining OKR, development and delivery model, and performance review.
• All products systems and vendors scouting, evaluation and selection (CBS, CMS, LMS, payment hub, and cross boarder payments) with main focus on modern technologies.

independent board member

• Re-establish products role with focus on TOM for all consumer asset products
• Revise the credit policy and employer segmentation to derive better risk framework and targeted sectors
• Participate in strategic transformation initiatives within BSF retail banking
• Achieve fastest growing bank in retail lending (Personal loan and Mortgage)
• Awarded from Master Card “Priceless Award” for launching the 1st Priceless World Elite Exclusive
• Master Card to Private Banking customers.

• Credit, Debit, Pre-Paid and POS, Convert ANB card business trend from declining ENR to be the 3rd contributor to CC ENR in Saudi Market
• Establish multi-magnitude focus with limited team resources to improve customer experience, maximize sales outcome, and reduce attrition
• Plan and lead the team to execute multiple projects to accelerate growth of ANB in cards business
• Lead direct resources and indirect resources to accelerate the launch of Debit Segmentation for existing ANB segments
• Train and coach young resources to accelerate their readiness and to be self-driven in executing cards projects
• Coach the Head of Acquiring to establish high performing new acquiring team
• Introduce new innovative products to ANB cards portfolio
• Grow ENR portfolio on an average base of 35% for 2015 and 2016
• Regain the product image with internal resources to be appealing for them as the best product in ANB.

• Collaborate with selective Banks to enhance the payment business which include new products, review of business - attrition, profitability, product proposition, acquisition campaigns, usage campaign, ongoing promotions, etc
• Establish & develop the Relationship with each and every account in wide range of people involved in payment industry, this involved remittance, corporate, remote delivery channels, sales managers, marketing, Retail Heads, Operations head, ORM team, PMO & legal
• Involved in launch of new industry initiatives i.e
• E-com on debit, Visa Money Transfer, Corporate and Government Cards
• Manage the accounts P&L operations
• Strategize with Banks the growth plans involving improving value propositions, customer lifecycle management.

Responsible for managing sales, after sales, and key dealers relationship for Central and North Regions. The role include:

• Managing 4 sales managers responsible to lead 60 to 80 sales agents.
• Managing 5 after sales centers that convers all customer management requests and issues.
• Managing a healthy baseline of sales agents.
• Achieving healthy sales performance level.
• Managing strategic dealers relationships in the two regions.

Responsible for establishing NCB business banking products that aims to drive market share and establish business banking lending automation.

• Managed the credit process fix for business banking which involves different projects starting from development of risk rating model, developing and implementation of loan origination system that achieve one day fulfillment.
• Prioritizing primary and secondary target segments.
• Developed value proposition for each primary customer segment.
• contribute in developing and implement new operating model for business banking.
• Managed business banking revamp projects program with an 18 projects in the business banking program

Early joiner with a team that are responsible for starting up a multi business line investment company.

My core responsible were assigned in the retail side of business that include defining targeted customers, defining product value, distribution channels (Branches, Call center, Internet), Corporate Brand and marketing strategy, sales and customer acquisition.

• Spearheaded different projects that involved negotiating with venders and suppliers for the company setup requirement including new branches premises, evaluation and selection of contractors etc
• Recruited and managed the direct reports departments’ managers
• Participated in different project for the go life including licensing discussion with regulator.

• Managed the card business and building infrastructure for credit card growth
• Developed New Credit Cards (Platinum and Islamic) and also developed & implemented marketing campaigns
• Managed portfolio growth ENR and CIF and ensured to improve P&L for the CC business
• Introduced value added features for CC
• Successfully enhanced business portfolio by 80% in CIF and 70% in ENR in 6 months
• Developed & launched Credit Card Balance Transfer campaign and develop new communication materials for the reward program
• Enrolled new partners for the reward program
• Negotiated a joint promotion with international hypermarket (Carrefour) and achieved zero cost contribution
• Achieved highest growth in credit card in the kingdom for the year 2006; achieved 200% of balance transfer campaign target
• Efficiently negotiated and signed an exclusive partnership with Emirates, Emirates Holidays and S&C to provide SHB cardholders with all year exclusive airline tickets and travel packages discount by Emirates airline and Emirates holidays
• Developed and implemented credit portfolio segmentation that addresses the Saudi credit card customers
• Developed and implemented risk based portfolio pricing based on the customer segmentation
• Effectively revised and introduced fees for the credit card
• Increased portfolio revenue by 70% while CIF grow by 10% in 2007
• Achieved an increase in the portfolio revenue over 3 times between 2006 and 2007
• Successfully set up product positioning for SHB credit card to be the 1st free for life
• Successfully launched “free for life” acquisition campaign, “free family trip to Dubai every day usage campaign” and “supplementary card acquisition campaign with Creative”
• Developed and pilot Al Yusr Murabahah Islamic Credit Card.

Establishing fee income department for all retail banking in SNB (previously NCB) that covers:

• Defining the fee income sources / automated and manual across all 300+ branches
• Establishing with quality unit various education materials and control's for fee income (what we can charge and when).
• Managing the fee income automation and pricing project that provide flexibility to price for region, branch, segment, or customer.
• Establishing with BI monitoring dashboards.
• Generating consistent fee income revenue to retail bank