Mohd Mutaz Said

The creation of Strategia primarily aims at bridging the gap between banks and clients through analyzing the client's needs and suggesting the appropriate finance that suits the client, it also aims at negotiating finance deals with the banks on behalf of the client.

Key

•  Invented and created the company corporate identity and profile

•  Created the company process and procedures as well as the website and marketing strategy

•  Struck business relationships with proactive banks

•  Referred finance deals of over AED 200mn

Hired to implement the bank's diversification strategy and strengthen the retail banking business. Responsible for growing the Retail Asset and Liability books, including SME, through structuring new products and continuous revision of existing products to achieve the Retail Group's ambitious budget in terms of portfolio and profitability. Responsibility also covers

maximizing the brand visibility and enhancing the brand equity through sketching and implementing branding and communication strategies. Key Achievements:

•  Launched over two dozens of strategic initiatives like: "0% Profit' Hajj & Umrah", "Low or No Profit Education Finance, Group Life Takaful, etc. which all have substantially contributed to business growth

•  Launched the first Shares Murabaha product in the UAE

•  Launched the first 'Off-Plan Property Finance' in the Emirate of Sharjah that led to 100% portfolio growth

•  Represented Retail Banking in the 'Awards Committee' that helped attaining three distinguished awards (Dubai Quality Award & Sh. Mohammed Bin Rashid Award) in 2009 & 2010

•  Launched the first 'Islamic Prepaid Card' in the world, followed by a series of themed prepaid cards. The cards have attracted new segments and repositioned the bank as innovative, young and proactive

•  Revised the Retail Asset products' proposition and aligned them with the market, that contributed to increase the up take between 10% – 40% (depending on the product)

In addition to the asset products responsibility, the job dimension covered the marketing functions. The role aimed at

increasing the asset portfolio and maximizing its profitability through new product launches, portfolio management activities, and promotions as well as maximizing the brand visibility. Key

•  Conceptualized, structured and launched the award winning Premium card "RAKBANK MasterCard Titanium Credit Card" (130K+ cards as of September 2010). The card has upgraded the perception of RAKBANK and today it contributes to over 22% of the bank's net profits (as of September 2010)

•  Concluded an exclusive deal with Emaar to finance one of the five South Ridge towers for end users, the deal has beefed

up the off-plan Home Finance portfolio by over AED 100mio

•  Restructured the personal loan portfolio by revising and re-introducing the UAE National loans which led to 400% growth in acquisition