Bio

HEAD OF RETAIL BANK, BANK ONE MAURITIUS VICE PRESIDENT - Head of Personal Banking & Assets Retail Assets Head ∙ Barclaycard Head ∙ Barclaycard Portfolio Head ► Head of Barclaycard and Retail Assets at Barclays Bank Egypt with history of business growth by starting the cards business in 2007, building economies of scale and securing sustainable profitability. ► Exceptional motivator and strategist who addresses cost issues head on, strengthens productivity and accelerates profitability. ► Standards – focused leader proficient in directing business model restructuring, outsourcing and with adept management of cultural and organizational diversity. E X E C U T I V E -- B E N C H M A R K S -- & -- M I L E S T O N E S ► Rapidly delivered 130% top line growth and 45% bottom line growth at Barclays Bank Egypt. Highest ever loans volumes delivered breaking even in first 3 months after taking over. Accelerated the cards account growth to 100K within 18 months to achieve economies of scale. Grew balances by 300%. ► Breakeven in 16 months and achieving profitability by focusing on spread maintenance and CIR improvement by 25% through front end cost rationalization and cost evaluation. ► Handpicked for Loans Head re-engineering the loans business through pricing strategy change and fixing the sales model. ► Won the Global Visa International Competition in Miami, Florida Oct'12 by designing a business model simulation that would beat ROA hurdle rates and achieve profitability in 4 years. Came number 1 in a group of 130 professionals from all over the world. Successfully built and managed Barclaycard business in Egypt by turning the business into a sustained profit center. Sustained spend and ENR growth leading to double digit income growth. Improving the CIR to improve JAWS. Successfully launched the largest Citi Mobilink co-brand credit card. Grew Cobrand portfolio ENR by 124% leading to direct impact on the issuing business EBIT