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Digital Transformation Specialist, Cards and e-commerce specialist, SME Business Specialist

  • €35.00 - €50.00 / hr
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Do you want to digitally transform your business? Do you need help in assessing what are the products, services, systems and departments that need reshuffling in order to successfully transform your organization and stay ahead of abrupt and disruptive changes in the market? I can help you in preparing your transformation strategy, and I can help as well in implementing this digital transformation.

Moreover, I am an expert in cards and e-commerce, and I can work on putting the right strategy for your card business.



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Head of Business Expansion

  •  PinPay
  •  Jan 2019 - Feb 2021

Proven expertise in managing the business of a Fintech specialized in mobile payment solutions; Focused on enhancing market penetration with key partnerships and stakeholders (Telecom, government and non-government bodies) at different levels of business to ensure seamless operations and accomplishment of business and revenue targets. Spearhead team efforts in implementing Mobile wallet for Iraq and the Central Bank of Lebanon as well as Collection Solution for Business 2 Business / Business 2 Consumer

Head of SME Business

  •  Bank Audi SAL
  •  Feb 2015 - Dec 2018

Proficient in generating business for the bank from the SME segment by evaluating and rendering customized solutions based to specific requirements of the customers. Set up strategic direction and utilized effective sales forecasts to enhance business profitability based on changing market dynamics. Designed and rolled out marketing activities and budget to promote the SME products based on evaluated consumer preferences and other related factors. Utilized financial prudence to enhance profitability from the interest and non-interest income. Rendered subject matter expertise in designing new lending and non-lending products and restructuring existing products. Followed up with concerned stakeholders for accomplishing branch and SME RM targets as well as for defining KPI and incentive models.

Head of e-Business Development of cards

  •  Bank Audi SAL
  •  Jan 2007 - Dec 2014

Well versed in defining business objectives, and project’s scope, building project’s portfolio for multiple projects including cost, schedule, Integrate Quality and Risk plans. Represent the organization in setting up strategic partnerships and negotiating with vendors to cater to organizational business requirement. Involved in end-to-end management of Card business related systems/solutions encompassing acquisition, development management and delivery of operational set up of the card business across client locations; Set up, maintained strategic partnership with the American Express, and coordinated with stakeholders for effectively managing the ATM business


Executive Program in Digital Business Strategy

  •  Massachusetts Institute of Technology (MIT)
  •  May 2021 - Jul 2021

- Practical skills in implementing a digital transformation strategy
- The ability to articulate what these disruptions mean for the industry, and create effective business strategies to manage digital transformation
- A foundational understanding of how to harness the power of disruptive technologies by improving operations and increasing business value

Masters in Business Administration

  •  Lebanese American University
  •  Jan 2004 - Dec 2006