Mohamed Labib

Senior Retail banking leader heading islamic and conventional Products & Segments, driving strategy, P&L performance, and innovation across conventional and Islamic portfolios. Focused on building segment-led propositions, optimizing balance sheet mix, and scaling customer-centric growth through strong commercial execution and digital enablement.

Responsible for leading the retail and business banking portfolios , acquisitions management through multiple channels , including product management (cards, loans, mortgage finance, liabilities, wallets and bancassurance), customer segmentation (wealth, payroll, core segments), and omni-channel strategies (digital branches, ATMs, apps). Oversees call center operations to ensure seamless customer experience and drives innovation across all channels to meet business objectives.

Managing the Retail Banking Products and Segments , on both Balance Sheet sides , with Focus on Delivering the Bank Strategic Plans and considering financial and non-financial KPIs . This is Including the Launch of New Products / Segments and optimizing the current offering . This role is responsible for new acquisitions , product and process development and portfolio managment.

Managing the Retail Banking Products , on both Balance Sheet sides , with Focus on Delivering the Bank Strategic Plans and considering financial and non-financial KPIs . This is Including the Launch of New Products and optimizing the current offering . This role is responsible for new acquisitions , product and process development and portfolio managment.

- Strategic sales and relationship management , from planning to execution, relationship management, new product and services sales, program retention, and portfolio growth to achieve business and strategic objectives and results. - Develop relationships with customers at both senior / executive and middle management levels to demonstrate Mastercard thought leadership and to develop value propositions to customers to increase Mastercard's business with customers. - Execute consultative selling by leveraging industry and customer knowledge to seek new business growth opportunities in the market across all product lines and segments including consumer and commercial card products, emerging payment solutions such as mobile / contactless payment, online digital payment, etc. with integration of Mastercard products and services. - Drive profitable business growth, work with external and internal stakeholders to manage sales process including business case development, business contract negotiation and execution.

- Responsible for managing the performance of debit, credit & pre-paid cards product management, portfolio management and acquisitions management functions from an end-to-end perspective of customer life cycle. This includes segment selection, product development, channel planning, portfolio life cycle management, all customer processes and credit performance. - Working with the head of retail products to develop cards business strategy and product P&L management - Working with the product / portfolio managers to deploy cards business strategy and to achieve products plan P&L - Working with channel to create channel strategy and card acquisition plan work with the head of products head, credit policy manager & credit head to define cards policy & product program work with service manager to define cards service strategy work with analytics on business plan - Managing the marketing budget for the card business. - Maintaining up-to-date understanding of customers, competitive trends and market needs and - identify market conditions to apply the proper measures in order to maximize the advantage and/or minimize risk on any situation. - Managing the existing products & add on product benefits. - Designing and introduce new products, which will bring value to sales/acquisition & the cards portfolio. - Responsible for reviewing product policies & recommending changes based on risk reward analysis. - Be aware of the market product offering, pricing and country situation, as to act or re-act to any demand, opportunity or change in the market or country. - Responsible for the schedule of credit card fees & charges & recommending pricing changes to optimize revenue & manage customer impact

•Develop & maintain product performance monitoring •Orchestrate regular reviews of product KPIs and derive recommendations for marketing measures to improve •Develop a pipeline of product enhancements •Define new products and product features, as well as related process requirements •Define marketing approach for released products and features •Conduct ongoing competitive analysis and market research •Support regular and targeted input from customers and prospects •Refine and promote product development process •Initiate product development projects and act as a key participant in development initiative

Responsible for managing both Personal & Auto loan products throughout the product / customer life cycle, gathering and prioritizing programs and customer requirements, defining the consumer loans vision, and working closely with senior managers to deliver winning products DUTIES: •Performing successful product demonstrations for both new-to-bank and existing clients. •Market research & developing the core positioning and messaging for the products. •Researching, reviewing & reporting on competitors & rival products. •Performing sales, trend, and profitability analysis. •Identifying the product’s distinctive competence & the product’s unique selling points. •In charge of planning and developing the right marketing & sales strategy. •Setting product pricing for new / existing product releases to meet revenue & profitability goals. •Working closely with multiple sales channels to ensure business objectives delivery. •Delivering Key KPIs for business. •Provide strategic direction and align Sales Team, Product Team, Operation team, Alternate Channels. •Service strategy in view of impact on portfolio profitability & Customer experience •Portfolio management in association with risk team which involves identifying stress areas on portfolio and suggesting corrective and preventive actions.

• Developing & implementing the overall strategy for personal loans . • Working with multiple sales channels across locations to ensure delivery of numbers. • Manage Overall P & L for the portfolio. • Delivering Key KPIs for business. • Delivering the Product profitability targets for loans • Working with multiple sales channels across locations to ensure delivery of business numbers. • Provide strategic direction and align Sales Team, Product Team, Operation team, Alternate Channels to the same. • Service strategy in view of impact on portfolio profitability & Customer experience • Portfolio management in association with risk team which involves identifying stress areas on portfolio and suggesting corrective and preventive actions.

• Undertaking the market to determine potentials • Pricing card products to meet profitability plans and cost involved • Customers segmenting and analysis. • Business modeling in relation to cost & revenue dynamics. • Operational effectiveness monitoring • Support the implementation of new products, Branch training kits , call center guides , welcome letters , customers communications • Benchmark the profitable card program. • Communicating Associates (Visa & MasterCard) in addition to system processors for product development & business issues. • Developing the Sales commission scheme and temporary contests • Developing the training program for Sales and branches staff • Developing card programs considering retail risk aspects to increase acquisitions. • Developing anti-attrition policy to increase customer loyalty. • Initiating campaigns to encourage card holders to utilize their cards to increase the effective cards rate. • Working on credit limit increase programs in addition to buy-out campaigns.

- Ensured that card center units operations are effective and efficient. - Verified actions & transactions accuracy assurance - Financial and operational reporting reliability assurance. - Certified that operations complying with regulations & internal policies

- Developed and supported the entire card issuing and customer service back office card operations. - Investigated customer complaints & recommend required enhancements to avoid repetitions. - Adhered and improved present turnaround time for complaints resolution

1- Handeled credit card authorization referred from merchants on a 24-hour basis 2- answered customers' inquiries 3- performed account debit function 4- Reported lost/stolen cases for Credit Card and ATM card 5- follow up and update clients’ information 6- been alert to fraudulent transaction 7- deal with clerical work

1- Assist customers with routine account-related such as: funds transfers, stop payments, inquiries about bank deposit products and service charges, inquiries about ATM and debit card usage and limits, inquiries about checking and savings accounts transactions, inquiries about funds availability, and check verification requests by third parties. 2- Research and resolve customer problems, acting as the customer liaison between other bank departments when necessary. 3- Research customer questions regarding electronic funds transfers and initiate disputes when appropriate, including the completion of all necessary documents and affidavits. 4- Cross-sell bank products and services based on customer needs in accordance with the banks’ program standards. 5- Relate customer requests for service charge rebates to the assistant vice president and vice president of operations. 5- Process necessary paperwork to rebate customer service charges. 6- Verify information on credit / ATM/debit card applications to the information in customer database. Send exceptions to personal banking counselors for corrections. 7- Update the system with messages regarding ATM/debit cards and service charge rebates. 8- Balance customer checkbooks. 9- Perform customer requested research, including printing statement and check copies. 10- Input, maintain and/ or delete ATM, debit cards and credit cards within system. 11- Transfer funds to cover customer overdrafts as directed by bank operations. 12- Notify and Contact customers to notify them that check orders and/or cards are ready to pick up at the bank.

Islamic Financial Qualification

1) Core Courses: - Scientific Research Methodology - Feasibility Studies and Projects Appraisal - Advanced Management Information Systems - Quantitative Methods - Advanced International Business Management - Advanced Strategic Management - Electronic Business - Central Banking and Money - Investment Management - Advanced Financial Management 2) Major Courses : - Credit Management and Banking Operations - Advanced Banking Accounting - Risk Management - Financial Banking Legislations