Naji Abou Saad
Card Products Development, Unit Head/Senior Cards Analyst at AM BANK- Claim this Profile
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Bio
Rana Labban
I worked with Naji at AM Bank for around 6 years and I can say that Naji is an extremely professional person who handles his duties and resposibilities very seriously, he always did an outstanding job in any task he handled. Naji is very dedicated, he follows up diligently on all his projects, has a remarkable attention to detail, and is a team player, always working with all team members in achieving common goals. Naji is a very respectful individual, he has extreme respect towards his job and towards his colleagues.
Samir B.
Professional and accurate
Rana Labban
I worked with Naji at AM Bank for around 6 years and I can say that Naji is an extremely professional person who handles his duties and resposibilities very seriously, he always did an outstanding job in any task he handled. Naji is very dedicated, he follows up diligently on all his projects, has a remarkable attention to detail, and is a team player, always working with all team members in achieving common goals. Naji is a very respectful individual, he has extreme respect towards his job and towards his colleagues.
Samir B.
Professional and accurate
Rana Labban
I worked with Naji at AM Bank for around 6 years and I can say that Naji is an extremely professional person who handles his duties and resposibilities very seriously, he always did an outstanding job in any task he handled. Naji is very dedicated, he follows up diligently on all his projects, has a remarkable attention to detail, and is a team player, always working with all team members in achieving common goals. Naji is a very respectful individual, he has extreme respect towards his job and towards his colleagues.
Samir B.
Professional and accurate
Rana Labban
I worked with Naji at AM Bank for around 6 years and I can say that Naji is an extremely professional person who handles his duties and resposibilities very seriously, he always did an outstanding job in any task he handled. Naji is very dedicated, he follows up diligently on all his projects, has a remarkable attention to detail, and is a team player, always working with all team members in achieving common goals. Naji is a very respectful individual, he has extreme respect towards his job and towards his colleagues.
Samir B.
Professional and accurate
Credentials
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Visa Risk and Digital Solutions Workshop
VisaOct, 2019- Oct, 2024 -
Project Management & Implementation
VisaSep, 2019- Oct, 2024 -
Profitable Card Management
MasterCardOct, 2014- Oct, 2024 -
Understanding Pricing and Interchange
MasterCardApr, 2014- Oct, 2024 -
Card Profitability Workshop
VisaOct, 2010- Oct, 2024
Experience
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AM BANK
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Lebanon
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Banking
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1 - 100 Employee
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Card Products Development, Unit Head/Senior Cards Analyst
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May 2010 - Present
- Develop and launch card products and services to meet business objectives and strategy. - Develop and execute the yearly marketing plan to support card initiatives and enhance acquisition, activation, and retention. - Engage in preparing all marketing and sales materials for card initiatives. - Monitor market trends, insights, and competition through market research and intelligence. - Coordinate with business partners (card schemes, vendors, merchants, marketing agencies, etc.) to assess growth opportunities and implement card initiatives. - Support branches, direct sales, and telemarketing teams to sell products & services, and promote marketing campaigns, through training, rewards, and the availability of supporting marketing and sales materials. - Monitor performance & profitability through portfolio optimization analysis and management. - Coordinate with internal departments to ensure effective implementation of card initiatives, and compliance from legal, risk, and audit perspectives. - Optimize and review processes to enhance efficiency and mitigate risks resulting from card activities. ACHIEVEMENTS - Launched multiple card products targeting different segments such as La Carte Blanche, and black for Elite, Visa infinite, and platinum for affluent, many others for the mass. - Launched multiple Reward Programs such as AM BANK Rewards, Cashback, and Decrease Interest Rate. - Launched several card services such as Mobile and online banking, Save the Penny, Payment Break, Delivery service, and Bill Domiciliation. - Developed and implemented an average of ten campaigns per year to enhance acquisition and activation, which achieved yearly retail volume growth of 7% in credit cards & 20% in debit cards. - Developed and implemented multiple card upgrade and fees optimization projects which increased yearly profit by 10%. - Optimized the cards retention process which led to a 30% reduction in cancellations. - Engaged in many Mastercard and Visa projects. Show less
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Cards Operations & Security Officer
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Jun 2005 - Mar 2010
- Liaise with third-party members (Visa & MasterCard, card manufacturers, processors, Central Bank etc.) to enhance card operations, offerings, and technology. - Provide guidance and day-to-day supervision to the cards member team (Data capture, fraud monitoring, chargeback processing, reporting etc.). - Optimize processes to enhance efficiency and mitigate risks resulting from card activities. - Additional responsibilities include but are not limited to managing new card projects, training and supporting team members and branch employees, ensuring compliance with the Bank policies, Central Bank, Visa & MasterCard rules & regulations etc. ACHIEVEMENTS - Engaged in acquiring Visa license and issuing Visa card products for the first time by the bank on 2008. - Managed a team of 20 interns and issued 8,000 Visa cards in 2 months. - Actively engaged in implementing Visa audit team assessment project. Show less
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Education
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2002 - 2005
American University of Beirut
Bachelor in Business Administration, Double Major: Finance / Marketing -
2008 - 2011
Notre Dame University - Louaize (NDU)
Masters in Business Administration, Project Management
Community
