Louai Bakraa

Leading the strategic rollout of innovative SME products and overseeing the digital infrastructure to drive value, growth, and customer satisfaction. 1) Product Strategy & Innovation: - Design and launch competitive SME financing products and solutions by leveraging market intelligence to ensure alignment with BIDAYA’s strategic goals and SAMA and Shariah regulations. - Digital & Systems Leadership: Architect the business logic for the Core Banking System infrastructure, ensuring technical capabilities align with commercial product requirements. - Customer Journey Optimization: Lead the design and implementation of the Digital Customer Journey, focusing on friction free onboarding, seamless user experience (UX), and automated service delivery. - Manage the full product lifecycle, from concept and market segmentation to pricing strategy (breakeven, profitability and analysis) and post-launch performance monitoring. 2) Strategic Operations & Financials & Team Leadership: - Develop the department’s annual budget and strategic plan, monitoring financial performance to identify revenue opportunities and cost-reduction initiatives. - Foster cross-functional collaboration with Risk, Compliance, Legal, and IT to ensure seamless product rollout and regulatory adherence. - Review and negotiate external parties to secure optimal coverage and terms for the department and products features needs. - Lead a high-performing team, fostering a culture of continuous improvement, innovation, and adherence to international best practices. - Mentor and lead the product team, establishing performance KPIs and fostering a culture of innovation and continuous improvement.

- Understand market analysis and trends to introduce custom and specialized financing solutions to potential and untapped segments based on overall business objectives - Introduce new and innovate financing products in line with the anticipated market demand and appetite - Collaborate with strategic partners to ensure mutual win-win agreements for potential common grounds in diverse domains and sectors - Maintain business partnerships to sustain longevity to increase opportunities for alternative revenue streams - Develop strategies to utilize existing resources in order serve other business lines by encouraging a cross selling and up selling strategy - Develop a comprehensive business plan to remain competitive within the industry and adhere to overall business targets - Cooperate with other stakeholders and senior management to develop business strategies and conduct periodical assessments to identify focus areas for improvement - Contribute to the development of the SME department business plan, and implements strategies in line with the organizational objectives. - Monitor SME department budget and track expenditure and ensures adherence to the approved budget. - Support the development of employee capacity plans for the department based on workload analysis and targets. - Recommend improvements and develops departmental policies and directs the implementation of procedures and controls so that all relevant procedural/regulatory requirements are fulfilled while delivering quality and cost-effective services. - Manage the relationship with existing customers and builds new relationships in order to achieve KPIs and profitability targets, while contributing to the overall target of the SME team. - Ensure strict adherence to internal guidelines and procedures with regards to SME financing - Ensure timely preparation of credit proposals and provide the necessary support to Regional Managers.

- Manage the relationship with existing customers and also build new relationships in order to achieve KPIs and profitability targets, thereby, contributing to the overall target of the SME Group. - Ensure effective plans for sourcing prospects and developing new customers are in place and properly implemented by the Relationship Managers. - Develop SME loan structures and prices for key SME clients and ensures all the internal guidelines and procedures are strictly followed to protect Nayifat interest. - Cascade the individual as well as team targets for Relationship Managers, based on the department’s target, - Ensure the timeliness of credit proposals and provides necessary support to the Relationship Managers in order to complete credit reviews. - Enable all the Relationship Managers to have a thorough understanding of new financial products and liaise with the respective department to provide them with necessary training if required. - Plan and organize and monitor the services delivered to the customers in order to build customer satisfaction. - Monitor the progress of on-going as well as upcoming projects by taking periodic updates from the Relationship Managers. - Ensure all the necessary security documentation is in place and ensures follow up is done in case of any missing document. - Ensure all Relationship manager has visited the existing portfolio on quarterly bases (4 times in a year). All visits to be documented in the call reports. - Oversee the preparation of reports for the approving authority ensuring adequate assessment of the financials, structuring of the loans, financial projections and cash flow.

- Prepare credit proposals and revisions in line with the guidelines given in the Credit Policy Manual to ensure that facilities to SME clients are in accordance with the existing rules, policies, and procedures contained therein. - Manage 54 active borrowings (Kafala and Non-Kafala) and no-borrowing clients with total estimated approved facility over SAR 100 MM. - Ensure the continuing validity of Power File and Security Documentation and other related Support Documents in line with the approved facility in conformity with the CPM and Internal and External Audit requirements. - Identify and take timely and appropriate remedial action in the event of deterioration of credit risk to prevent unnecessary losses. - Assist Junior RMs in the financial analysis and the preparation of Credit Proposals onward submission to Credit Committee to obtain approval. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling products. All visitations are well documented internally in the Call Report Application. - Quantitative and qualitative analysis of audited financial statements. - Carry out Islamic financing to enhance SMEs through Kafalah program. - Review excess, incidental and loan maturity reports on a daily basis. - Monitor customer accounts to ensure adherence to the limit, credit policies and procedures. - Coordinate with members from different departments for example Risk, Treasury, Trade, Service Desk, and Retail Banking.

- Manage a wide portfolio of commercial clients. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling of products, to be documented in the call reports. - Quantitative and Qualitative analysis of the audited financial statements. - Prepare a credit application for existing and new clients. - Review excess, incidental and loan maturity reports on a daily basis. - Monitor customer accounts to ensure adherence to the limit, credit policies and procedures. - Coordinate with members from different departments for example Risk, Treasury, Trade, Service desk, and retail banking.

- Manage a portfolio of 30 SME clients. - Visit customers to establish the relationship in order to book and maximize the utilization of the bank's services and products including cross-selling products to be documented in the call reports. - Analyze audited financial statements. - Prepare a credit application for existing and new clients. - Carry out Islamic financing to enhance SMEs through Kafalah program. - Review excess, incidental and loan maturity reports on a daily basis. - Monitor customer accounts to ensure adherence to the limit, credit policies and procedures. - Work with members from different departments for example Risk, Treasury, Trade, Service desk, and retail banking.

- Contact customers through email/phone to solve enquirers or problems to facilitate customer operational problems. - Handle customer loans, this includes short term loans. Also Islamic loans and deposit and post finance loans. - Meet finance managers and customer representatives and work to solve their problems and provide them with the required services. - Generate and analyze exported reports from the system (T24) and deliver it to team members or customers. - Work with members from different departments for example Risk, Treasury, Trade, Service desk, and retail banking. - Open customer corporate accounts based on the compliance department policy and procedures. Also maintaining customer corporate accounts.