MOHAMMED SHTAYA

• Lead the Product Development Department and oversee the bank’s retail product portfolio, product strategy, and development roadmap.

• Lead the end-to-end product lifecycle, including market analysis, product design, pricing, business cases, launch, performance monitoring, and continuous optimization.

• Drive digital product development and transformation initiatives, including the enhancement of digital banking solutions and customer journeys to increase digital adoption, customer experience, operational efficiency, and business growth.

• Lead market and competitor intelligence to identify market gaps, emerging trends, new business opportunities, and opportunities for product innovation and competitive advantage.

• Oversee product performance, profitability, and customer value, using market and customer insights to develop recommendations and initiatives that support growth and sustainable business results.

• Lead the development and management of the credit card product portfolio, including product enhancement, value proposition, pricing and promotional initiatives, customer acquisition, cross-selling, and sales growth.

• Oversee branch and ATM network expansion and optimization across 60+ locations, including market assessment, feasibility studies, location analysis, and strategic network planning.

• Support branch performance management through branch target setting, performance monitoring, business planning, and initiatives designed to improve financial and operational performance and support target achievement.

• Lead cross-functional teams and coordinate with stakeholders across the bank to deliver product, digital transformation, and strategic business initiatives in line with regulatory requirements and the bank’s overall strategy. "Joined BOJ in September 2023 as Products Development Employee; progressed to Acting Product Development Officer in February 2025 and was subsequently appointed Product Development Officer - Department Head in June 2026."

• Explored local markets for new prospects and mapped potential clients.
• Generated leads through cold-calling and meetings with prospective customers.
• Presented company services to new prospects and managed agreements and contracts.
• Managed client relations, including goal-setting and satisfaction.
• Organized promotional events and coordinated day-of deliveries and staffing.
• Developed marketing strategies for advertising the services and products.
• Led and trained teams of Marketing Associates.
• Analyzed Ads conversion rates and the effectiveness of promotions to determine what drives sales.
• Reviewed ongoing marketing campaigns for weaknesses and developing solutions within budget constraints.
• Local | REAL ESTATE & BUILDING SYSTEMS

• Identified and pursued new business opportunities, including market trends, customers, and partnerships.
• Generated leads through proactive cold-calling and effectively managed customer needs.
• Developed strategic business aims and objectives, utilizing product knowledge to advise team members and clients.
• Managed various aspects of business operations, including training, promotions, pricing negotiation, and investor relations.
• Developed and executed comprehensive public relations strategies, enhancing brand visibility and reputation through targeted media outreach, thought leadership initiatives, and strategic event planning.
• "I began my tenure at WeDeliver as Operations Manager for PS and as an Operations Management Consultant for KSA. Following this, I was promoted to the role of Sales & Business Development Manager for the Group."
• INTERNATIONAL | Microfinance & Logistics

• Analyzed and developed the operations system and applied the necessary policies and processes.
• Analyzed the financial data of operations.
• Acquisition of market key operations suppliers, and/ or build a win-win situation.
• Exploit opportunities to improve the customer experience.
• Planning, monitoring, appraising, and reviewing job contributions.
• Reviewed and approved operational invoices.
• Worked closely with GM and management team to set and/or implement policies, procedures, and systems and followed with implementation.
• Local | E-COMMERCE