1. Resume For
Manal Ezzat Elkhateeb
Personal Information
Address: 57 Sixth Touristic Village, 6 October, Giza ,Egypt
Date of Birth: 22 May 1976
Nationality: Egyptian
Telephone: +201009690150
Email: manal_alkhatib@yahoo.com
Career Objective
Seeking a career opportunity in an International Organization, to add value and
enhances my interpersonal skills and career path
Educational Background:
• Portfolio Theory, Asset Allocation and Performance Measurement Certificate from
the Canadian Securities Institute October 2016
• Professional Certified Trainer, American University In Cairo August 2015
• MBA, Major General Management ( ESLSCA Business School) November 2015
• Certified Bancassurance Product Seller July 2005
A prestigious certification from Allianz based on a consolidated training course and
an advanced exam, covering the best selling methods for the bancassurance products
• BSC of Actuarial Science May 1998
BSC. Of Commerce, Actuarial Sciences Department, English Section, Cairo
University (Certified and accredited by City University of London & Institute Of
Actuaries of London)
Academic references:
Dr Ashraf Sheta ( prof of Strategic Management , AUC) :
ashrafsheta@aucegypt.edu
Dr Shahira Elalfy ( prof of Marketing Management, CIC ) :
selalfy@gmail.com

2. Business references:
Mr Haytham Elshorbagy (Senior manager , HSBC Bank Egypt):
haythamelshorbagy@hsbc.com
Mr Tamer Yahia ( Senior Manager, HSBC Bank Egypt)
tameryahia@hsbc.com
Independent Coursework
• Portfolio Management
• Financial Planning and Wealth Management
• Managerial skills.
• Premier Family Preposition
• Offshore Banking
• Global Premier Stage 1 and 2.
• Global Premier Pillar 3.
• Customer Service Accreditation.& Advance Accreditation
• Realizing Currency counter fit, Documents Duplication and Signature verification
• Cross selling and Money Laundry at Banking Institution.
• Six Sigma, Yellow Belt Certified through HSBC
• Bancassurance Course at Allianz Life Assurance
• Supervisory Skills Accreditation: Pre promotion course before the premier position
covering the best servicing standards, staff management and complain handling.
• Customer Service Representative Accreditation: An obligatory course for promotion
to CSR position
• How to work in a customer driven environment: Internal course covering the
customer satisfaction and cross selling
• Effective Communication &Human Relation
• Creating a Positive Attitude
• Foundation Supervisory Skills
• Key Account Management
• Livon Lite
• Strategic Selling Workshop
• Unconscious Bias Learning For Managers
Interpersonal Skills
• Strong selling & presentation skills regarding Wealth / Insurance & Investment
solutions.
• Excellent interpersonal skills, including influencing & relationship building.
• Excellent planning & organizational skills.

3. • Excellent analytical & problem solving skills.
• Accuracy, ability to get it right the first time
Language:
Arabic: Native
English: Excellent (Spoken and Written)
Computer Skills:
Microsoft Windows XP.
Microsoft Office (Word, Excel, Power Point)
Lotus Notes
Recognition rewards from HSBC:
• I was promoted after 3 months of joining the retail banking team for the
outstanding achievement of sales target ( 2001)
• Outstanding Achievement reward in Bancassurance championship (2006)
• Certificate of Achievement for overachieving the monthly target (2011)
• The Customer At The Heart Award (2011)
• The Extra Mile Award ( 2013)
Work Experience
Free Lance Trainer present
• Delivers training programs.
• Can cover : Marketing principles, Sales management,CRM, Consumer
behavior, Communication skills, Team building,
• Identifying training and development needs within an organization through job
analysis.
• Design and expand training and development programs based on the needs of
the organization and the individual.
• Manage the delivery of training and development programs.
• Ensure that training requirements are met.
• Amend and revise programs as necessary, in order to adapt to market changes.
• Help line manager solve specific training problems, either on a one-to-one
basis or in groups.
HSBC Bank Egypt November 2000 – April 2016
• Sales and Service Manager ( April 2015-April 2016)

4. − Assist the Branch Manager to plan, direct, control sales and services, specifically to
lead the Retail Banking & Wealth Management teams and exceed targets set for
segments, & to ensure excellent quality of service is provided & cross sell
opportunities are maximized while maintaining the required controls.
− Optimize the potential value of the customer base, by directing/ coordinating
/monitoring/ reviewing sales and referral activity, analyzing resource requirements,
monitoring overheads and implementing measures to increase productivity.
− Lead, coach, develop and motivate the reporting manpower resources, towards the
achievement of RBWM strategic & operating objectives/ profitability.
− Motivate, develop, drive & inspire sales staff to explore proactive avenues to
increase revenue.
• Premier Wealth Relationship Manager (February 2013 till April 2015)
Responsible for growth, product management, and profitability of HSBC Premier
proposition across the HBEG Region by recommending enhancement, undertaking
local initiatives, analyzing product profitability.
− Conduct financial reviews utilizing wealth management tools & Premier individual
review to identify customer needs and deliver a customized solution to meet those
needs.
− Provisions of after-sales contact with customers to monitor product/solution
performance & explore cross-sell opportunities.
− Provide guidance to the management team on how to grow the premier portfolio &
drive the sale of wealth management solution
− Monitoring customer complaints to ensure resolution by premier relationship officer
within agreed timescales & in inline with premier customer complaint handling
standards.
− Supports Retail Banking Wealth management team in the continuous improvement
of the bank’s sales process & service standards.
− Proactive support branch sales & service initiatives.
− Ensure compliance with statutory & audit requirements sales quality assurance
standards.
− Effectively balance the need to grow the portfolio whilst maintaining the highest
standards of operational excellence.
• Premier Relationship Manager (since July 2005 till February 2013)
Provide superior sales and customer service to meet customer needs through team
portfolio Management across multiple distribution channels to support the premier
relationship managers in product sales and relationship management processes.
Dealing with customers maintaining portfolio more than EGP 600,000 (US$ 100,000)
as a financial advisor, handling their complaint, monitoring their accounts,

5. administrating the various transactions for the accounts as well as cross-selling all
bank products including the bancassurance plans.
• Corporate Management Banking Representative (since 18/05/2004 till
30/6/2005) administrating the corporate accounts including opening the new
company's account, handling all transactions & complaints, approaching customers
for applying automatic payroll deposit for their staff and referring the data to the retail
team to re-approach the customers on individual basis.
• Personal Banking Assistant (01/04/2003 till 17/05/2004)
To reactively service PFS customers and act as a "one -stop shop" for all product and
service needs .to maximize product sales by identifying cross sell opportunities and
through quality customer service.
Dealing with Advance customers maintaining portfolio with minimum balance EGP
100,000, cross-selling bank's products for achieving my target, handling customer's
complaints, & processing of various bank's transactions on the account.
• Personal Financial Services (01/11/2001 till 31/03/2003), dealing with personal
banking customers opening accounts, handling complaints, achieving my target by
cross-selling various bank's products.
• Consumer Loans Dept.(01/11/2000 till 31/10/2001) Dealing with : Pre-facility &
maintenance of loans , doing vouchers, settlement of loans, filing of securities and
processing the applications through the HUB banking system of the HSBC
• Suez Canal Insurance Company October 1998 – October 2000
Individual Life Dept. (Junior Underwriter)
− Ensure all customer applications received are checked for correct completion and all
policy benefits are allowable and within the company underwriting guidelines and
manual.
− Request appropriate medical evidence within agreed limits and refer the case to the
Underwriting Manager for final approval.
− Make medical recommendations for each application.
General Insurance Dept. (Fire, Engineering & Marine)
• Ensure all applications received are checked for correct completion and all policy
terms and conditions are matching with our standard policy
• Refer to Underwriting Manager after taking the first underwriting recommendation
• Make area visits for surveys if needed.

6. • Endorsement issuance and interaction with the Claims departments when required
to assist with underwriting requirements.
References furnished upon request.

7. • Endorsement issuance and interaction with the Claims departments when required
to assist with underwriting requirements.
References furnished upon request.