Zaid HajQoul

Achieved 400% Growth in consumer banking asset portfolio over a 5 year period. Improved deposits by 250% over the same period. Delivered significant annual performance, with a consistent year on year growth of consumer banking top line revenue, with 25% cumulative year on year growth. Relocated two branches. In addition to opening two new for improved country wide coverage as well as brand awareness. Achieved the yearly Recoveries targets from None Performing Loans - with the exception of 2011. Launched full suite of banking products, from co-branded Credit Cards to Payroll account, premium and Elite Banking. Sales Team setup and management. Role: Prepared and implemented a 5 years performance driven Strategy, which envisaged overall country and group consumer banking strategy. Ensured good relations and working closely with Regulators. Ensured improvement in credit policies & processes reducing turnaround time along with improving approval rates while maintaining portfolio quality. Managed consumer banking marketing plans and roadmaps for campaigns/promotions to maximize products sales, in addition to Maximizing brand awareness. Set up and managed the collections team and Non Performing Loan's through focusing on minimum bucket flow. Partnered effectively with Corporate Banking by making joint calls and proposals to key relationships. Ensured all product proposition/competitiveness in place, compared to market and targeted customers standard chartered bank Qatar

Accomplishments:  Achieved 50% Growth in consumer banking asset portfolio over a 2 year period.  Improved deposits by 45% over the same period..  Delivered 33% growth from $12 million to $16 million.  Opened two new branches, in West Bay and Al-Rayyan. Role:  Delivered significant performance and growth of SCB consumer bank in Qatar. Achieving bottom line targets through achieving sales and top line revenue managing cost and rigorous control of Bad Debt.  Handle the HNWIs/priority Accounts relationships.  Lead and motivate Consumer Banking leadership team.  Ensure all product proposition/competitiveness in place compared to market and targeted customer segments.  Work closely with peers and subordinates, locally and group wide to improve processes/controls in form of robust monitoring environment of operational risk through tools like KCS, KRI etc.  Ensured with compliance; effective KYC/AML is in place effective reviews, as per local and Bank standards/policies.  Ensure satisfactory audit ratings for Consumer Banking.

Role:  Achieve business growth in unsecured lending portfolio and customer base.  Managed top Target Market companies relationships.  Setup various Lending products Lending Criteria.  Set up and monitor product Sales campaigns.  Setup and implement incentive scheme.

Managed consumer Products Sales Team.