Carol Khoury
Founder & Managing Partner at Les Vignes Du Marje SARL- Claim this Profile
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Bio
Louis Scotto
Carol Khoury worked for me in senior marketing positions at both National Bank of Kuwait (6 years) and Emirates Bank (5 years). It was a pleasure having Carol on the executive retail team. She is an extremely hard worker, self-motivated with great attention to detail. I could always count on Carol to complete any assignment correctly, on time and on budget. As importantly, she has great leadership skills and is an active team player. She got along well and gained the respect of both her peers and subordinates. I believe Carol would be a valuable asset to any organization and would fully endorse her candidacy if requested. Louis A. Scotto, GM Retail Banking (retired), Emirates Bank.
Faten Abu-Ghazaleh
Carol is one of those rare people who love to analyze and solve problems and don't let go until they are solved. She has the intelligence and passion to persistently excel in whatever task she is given. Her team building skills are impressive as she has neither ego nor negativity when working with others. Perhaps her strongest traits are her positive outlook, ethics and professionalism. Carol is an asset to any organization and I follow her career with pride as she move along a trajectory of excellence.
Louis Scotto
Carol Khoury worked for me in senior marketing positions at both National Bank of Kuwait (6 years) and Emirates Bank (5 years). It was a pleasure having Carol on the executive retail team. She is an extremely hard worker, self-motivated with great attention to detail. I could always count on Carol to complete any assignment correctly, on time and on budget. As importantly, she has great leadership skills and is an active team player. She got along well and gained the respect of both her peers and subordinates. I believe Carol would be a valuable asset to any organization and would fully endorse her candidacy if requested. Louis A. Scotto, GM Retail Banking (retired), Emirates Bank.
Faten Abu-Ghazaleh
Carol is one of those rare people who love to analyze and solve problems and don't let go until they are solved. She has the intelligence and passion to persistently excel in whatever task she is given. Her team building skills are impressive as she has neither ego nor negativity when working with others. Perhaps her strongest traits are her positive outlook, ethics and professionalism. Carol is an asset to any organization and I follow her career with pride as she move along a trajectory of excellence.
Louis Scotto
Carol Khoury worked for me in senior marketing positions at both National Bank of Kuwait (6 years) and Emirates Bank (5 years). It was a pleasure having Carol on the executive retail team. She is an extremely hard worker, self-motivated with great attention to detail. I could always count on Carol to complete any assignment correctly, on time and on budget. As importantly, she has great leadership skills and is an active team player. She got along well and gained the respect of both her peers and subordinates. I believe Carol would be a valuable asset to any organization and would fully endorse her candidacy if requested. Louis A. Scotto, GM Retail Banking (retired), Emirates Bank.
Faten Abu-Ghazaleh
Carol is one of those rare people who love to analyze and solve problems and don't let go until they are solved. She has the intelligence and passion to persistently excel in whatever task she is given. Her team building skills are impressive as she has neither ego nor negativity when working with others. Perhaps her strongest traits are her positive outlook, ethics and professionalism. Carol is an asset to any organization and I follow her career with pride as she move along a trajectory of excellence.
Louis Scotto
Carol Khoury worked for me in senior marketing positions at both National Bank of Kuwait (6 years) and Emirates Bank (5 years). It was a pleasure having Carol on the executive retail team. She is an extremely hard worker, self-motivated with great attention to detail. I could always count on Carol to complete any assignment correctly, on time and on budget. As importantly, she has great leadership skills and is an active team player. She got along well and gained the respect of both her peers and subordinates. I believe Carol would be a valuable asset to any organization and would fully endorse her candidacy if requested. Louis A. Scotto, GM Retail Banking (retired), Emirates Bank.
Faten Abu-Ghazaleh
Carol is one of those rare people who love to analyze and solve problems and don't let go until they are solved. She has the intelligence and passion to persistently excel in whatever task she is given. Her team building skills are impressive as she has neither ego nor negativity when working with others. Perhaps her strongest traits are her positive outlook, ethics and professionalism. Carol is an asset to any organization and I follow her career with pride as she move along a trajectory of excellence.
Credentials
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ANS certificate
ScotworkNov, 2017- Nov, 2024
Experience
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Les Vignes Du Marje SARL
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Lebanon
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Beverage Manufacturing
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1 - 100 Employee
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Founder & Managing Partner
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Dec 2018 - Present
After nearly 32 years of astute experience in financial sector I am finally setting out on my own. It’s a turning point in my life as i’m starting a new challenge, heading towards fulfilling one of my long awaited dreams... my wine project les vignes du marje from marjeyoun - Les Vignes Du Marje is Jdeidet Marjayoun’s first wine that abounds all flavors of the south. It holds the equilibrium of both fluttering and balanced spirits that connects heaven to earth. After nearly 32 years of astute experience in financial sector I am finally setting out on my own. It’s a turning point in my life as i’m starting a new challenge, heading towards fulfilling one of my long awaited dreams... my wine project les vignes du marje from marjeyoun - Les Vignes Du Marje is Jdeidet Marjayoun’s first wine that abounds all flavors of the south. It holds the equilibrium of both fluttering and balanced spirits that connects heaven to earth.
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Bank of Beirut
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Lebanon
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Banking
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700 & Above Employee
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Head of Product Development and Customer Management
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Aug 2010 - Aug 2020
Setting up the segmentation strategy for Bank of Beirut Retail and SME (life cycle stages, niche segments.) in- depth customer intelligence analysis to fully understand the retail customers and recommend new products and services, tie ups / co- branding deals: o Launching the uforYouthpackage for the18-25 students:Corporate social responsibility theme for the Bank o Launching Gold ,Premium and SME Segment packages targeting customers with predefined salary ,deposits and Business needs special Account and cheque book specially designed, Special Credit and debit card with unique offering, special lending criteria, preferential pricing, Wealth management & saving plan o Identifying Iconic Merchant Partnerships and work with merchant partner: Launching “Lebnen al Bel credit and prepaid cards” in affinity with Airline (MEA), Govt (Ministry of Tourism) and Telecom (Alfa and MTC), and also launching key partnership deal with the Lebanese Red Cross under the purpose of Banking for Good o Launching special illness insurance through mega acquisition o Launching The Unique CashBack LoyaltyScheme:rewarding retail customers on all products (Assets, Liabilities and Services) o Contributing to the development and implementation of marketing strategy plan for retail banking products and packages o Analyzing customers demographic profiles run special pre-approved campaigns to cross –sell a combination of products and services that meet their needs o Launching CRM:Customer Relationship ManagementTool-a 360 view of customer with recommended products and services. o Driving Outbound and Inbound campaigns to increase cards volume growth,across all channels Results 1. Increasing the bank’s overall retail revenue by 50% in comparison to previous years. 2. Contributing in the winning of the two awards at Bankers ME–Levant Product Awards competition in Nov 2014 : Best Premium Banking Service and Best Customer Loyalty Program “ CashBack” Show less
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HSBC
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United Kingdom
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Financial Services
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700 & Above Employee
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Regional Head of Customer Experience
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Jan 2009 - Jul 2010
*Build a Front End monitoring System, the League Table, to drive sales and service performance by countries, channels and individuals under one platform across the region, positive reinforcement through Motivating Top Performers ie ceremony, incentive schemes, successes . Run post complaint resolution satisfaction surveys to improve staff soft skills in complaint handling across the region. Launch a Regional Mystery Shopping Study across the region to start as of next quarter. Start the work streams on key issues that require special attention Results : Q1 2010 results show good improvement for HSBC as compared to the top local banks moving from the last position to the first position in the recommendation index. Improvement in the overall SLA (Turn around time in handling complaints) and overall reduction in recurring complaints Show less
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Al Hilal Official
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United Arab Emirates
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Banking
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700 & Above Employee
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SVP- Head of MIS MR and Economics
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Aug 2008 - Dec 2008
Main accountabilities are to oversee and execute the development, coordination and production of business related marketing, economic and financial analysis, to develop customer segmentation strategy, and to support the development and delivery of competitive pricing architecture to maximize revenue and arrive at an effective Products and Customers profitability Main accountabilities are to oversee and execute the development, coordination and production of business related marketing, economic and financial analysis, to develop customer segmentation strategy, and to support the development and delivery of competitive pricing architecture to maximize revenue and arrive at an effective Products and Customers profitability
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Arab Bank
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Jordan
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Banking
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700 & Above Employee
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Vice President - Retail Banking, Head of Retail UAE, Global Head of Mass Retail
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May 2006 - Aug 2008
Managing Retail Business: Acting Head of Retail (Arab Bank UAE) running 8 branches in terms of retail activities (ie Sales, Service, and Credit control) and Global Head of Mass Retail (Arab Bank Group across MENA): a) Setting up Segmentation strategy (based on life cycle stages /value of wealth) i) Identifying Value Proposition to adhere to the needs and wants of key segments in key markets of presence ( Gulf and Levant areas) ii) Launching New products (in terms of Assets and Liabilities) based on the different segments needs (Youth, Professionals,..) iii) Establishing New deals such as tie ups / co- branding ( linking Banking to retail merchants) b) Analyzing Risk Behavior and identifying opportunities within customer base for Top ups, cross-selling, pre-approved programs (Lesser documentation and higher Pricing ), retention etc.. c) Managing credit control and delinquency of the retail portfolio, preparing policy and managing all risk and credit parameters and most importantly standardizing Policy & Procedures and attending Product Approval Committee meetings this involves both Credit and Risk Show less
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Emirates NBD
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United Arab Emirates
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Banking
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700 & Above Employee
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Manager Service Quality and Market Research
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Jan 2003 - May 2006
responsible for establishing Service Quality Department of the BANK which includes but not limited to: Understanding THE Gaps in Service Quality Aspects and Developing the techniques to overcome those Gaps (Meet and Exceed Customer Satisfaction). The main role is to COACH, MONITOR and REWARD FRONT END STAFF. Major achievements were: Launching meCARE (Centralised Complaint Management System) Conducting Ghost Shopping (Benchmark Bank vs Competitors in Banking and Service Industries ) and hence recommending action plan (Training and Staff Development to overcome those Gaps) Introducing Service Quality Monitoring Checklist and Program to all Front End (Branches and Call Centre) which measures the level of service and enhance staff development and following it with training, coaching, monthly and yearly Working with ISR on the techniques to develop Customer Satisfaction Surveys to be linked to Staff Satisfaction Surveys (Satisfied Staff= Satisfied Customers) Establishing the Market Research Unit: through launching the MRS system which is a system built by consolidating all requirements of all Business Units in terms of the market offerings, competitors and hence measuring the gaps and recommending plan to improve. Show less
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Arabia.com
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Online Media
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Market Intelligence Manager
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2000 - 2002
Reporting to Chief Operating Officer, responsible in analysing the market and arabia.com performance. Consumer Understanding Measuring and reporting the performance of arabia.com from a consumer behaviour perspective in order to support COO and operational team in identifying future direction (Periodic Reporting, Consumer Pattern Reporting, development and maintenance of Database Module) Developing and implementing with appropriate frequency continuous tracking studies by market for core KPI's in both Egypt and KSA market Developing 'Data Warehouse' research platform to facilitate data usage to drive arabia.com's competitive edge. Identifying and reporting marketing plan impacts [arabia.com & competitors] to improve direction and execution. Identifying key similarities and differences among consumers within key markets across the region. Sales Support Building a systematic updateable support system for the Sales Team (Site Barometer: tracking and sales performance) Identifying and securing data required supporting the development and delivery of competitive pricing architecture to maximize revenue. Working with Sales & Marketing to recommend & secure approval to market / channel pricing plans Growth Mapping Developing appropriate research protocols and executing field on & offline research via management of appointed agencies to define consumer insight so as to develop best practice models that facilitate the Acquisition / Retention / and usage frequency, of registered users at lowest possible cost across all markets and channels such as Consumers Habits and Attitudes towards the Net and arabia.com. Show less
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National Bank of Kuwait
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Kuwait
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Banking
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700 & Above Employee
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Sr Marketing Manager
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1994 - 2000
Lebanon Prepared feasibility studies on different branches' locations through identifying potential segments by each area, measuring consumers' feedback through field studies, studying competitors' strength and weaknesses Developing SQ Competencies by creating a Customer Oriented Culture Managed, developed and implemented detailed competitive study of NBK versus 19 local banks in terms of products, services, and delivery channels, and set features Developed different research protocols, which included both online and offline field studies to identify consumers' needs and designing products and services accordingly. Developed new types of products based on competitive study liaison with concerned areas accordingly (legal dept, printing, advertising agencies, etc). Developed an access database file that acted as a data warehouse platform in capturing consumers' information and hence segmenting and cross-selling products and services according to their behavioural patterns demographic background. Kuwait Service Quality Monitor and Mystery Shopping.. Involved in all aspects of developing SQM and Mystery Shopping: Training, monitoring, Benchmarking and relationship concept. ANalysis using SAS software. Customer Segmentation Forecasted the number of customers the Bank will acquire in the coming 5 years and compared the results to population. Activity Based Costing Project ( ABC) Acted as a Project Leader for the ABC costing exercise for 3 years, which involved the following: Assigned costs to staff activities based on their use of resources Mapped activities to the list of transactions available in the data warehouse or mainframe Derived unit cost of each transaction, calculated customer profitability based on the cost calculated and the revenue acquired Performed a deep analysis on customer profitability by splitting them into different tiers and identifying the most and the least profitable Show less
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YAAS- GM
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Kuwait
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Marketing Analyst
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1992 - 1993
Reporting to Marketing Manager, being responsible for analysis (MAT) of cars imported to Kuwait, preparation of Competitors’ Products (Price & Specs) and providing long-range forecast of the total vehicle market Reporting to Marketing Manager, being responsible for analysis (MAT) of cars imported to Kuwait, preparation of Competitors’ Products (Price & Specs) and providing long-range forecast of the total vehicle market
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American Embassy
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Lebanon
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Payroll Liaison
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1991 - 1992
Reporting to Personnel/Administration Manager, with major responsibilities in performing the payroll job which includes salaries, personnel actions, allowances and time attendance reports as well as budget preparation. Reporting to Personnel/Administration Manager, with major responsibilities in performing the payroll job which includes salaries, personnel actions, allowances and time attendance reports as well as budget preparation.
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American University of Beirut
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Lebanon
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Higher Education
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700 & Above Employee
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Records Assistant Supervisor
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1988 - 1991
Reporting to Personnel/Administration Manager, with major responsibilities in the preparation of staff Issues, new contracts, salaries, indemnities, promotions, resignations. Reporting to Personnel/Administration Manager, with major responsibilities in the preparation of staff Issues, new contracts, salaries, indemnities, promotions, resignations.
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Education
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American University of Beirut
Masters Degree, Mathematics
Community
