1. Hesham Refaat
heshamrefat@yahoo.com  3 W Square 1185 – Sheraton Heliopolis Residence 01223117650 –
22675296
http://eg.linkedin.com/pub/hesham-refaat/19/7a4/a14
Objectives
A challenging senior management position in a major financial institution where I can
contribute to the success and development of the organization through utilizing my previous
experience and academic background.
Education
American University in Cairo
1990 Masters of Public Administration – GPA 3.24
 The program included different managerial, public policy, economical, human resources,
research methods, and financial courses.
Cairo University
1984 Bachelor of Commerce, Major accounting – Grade Good
 The program included different academic subjects from theories of management, accounting
principles, Human resources, Taxation laws, cost accounting , general and commercial laws,
macroeconomics and microeconomics, public finance, statistics , applied math
Experience
Egypt Post | Smart Village - Cairo
Director of Retail & Corporate Financial Services June 2014 – August 2015
 Set up the new strategy of the different sector’ departments and followed up all phases of
execution.
 Initiated, proposed and developed new financial products with all associated processes of
setting procedures, manuals and desk instruction.
 Reviewed, assessed and amended 50% of the existing products to cater for the customers’
needs and to match the up to date industry trends.
 Specified our niche market and focused on leveraging the products where we have a
comparative advantage than our competitors.
 Represented Egypt Post in International conferences in South Africa and Rome. The
conferences were related to encouraging financial inclusion, financial literacy and came up
with different recommendations and proposed solutions and plans to assist the less
developed counties in their efforts towards financial inclusion.
 Successfully included Egypt Post to the network of Banks Automated Clearing House run by
EBC with daily settlement through CBE.

2. Hesham Refaat
  
 Revised all operational procedures and formulated unified procedures for all the financial
services in collaboration with the different stake holders.
 Cooperated with the sales and market teams and referred several major corporate customers.
 Negotiated and followed up three international Money Transfers agreements (remittances)
with different postal units from African and Asian countries. Two contracts already signed.
 Studied the different risk factors of Egypt Post as assigned by the board of director and came
up with an evaluation document about the risk status at Egypt post. Presented a proposal
document with a detailed risk matrix conceptualizing risks, categorizing all kinds of
operational risks and how to rate them. Also proposed an reporting tool for all potential or
actual risk incidents to the senior management to act accordingly to mitigate these types of
risks.
Banque Du Caire |19 Adly Street - Cairo
Deputy General Manager – Branches Network May 2010 – May 2013
 Motivated, guided, steered and enforced culture change of the staff of 10 branches under
direct supervision toward being sales and service oriented.
 Participated in centralizing the major operational functions performed in branches to centers
or hubs in the Head Office. The aim was to free the branches staff from routine and technical
operations to focus more on sales and service activities.
 Followed up proper execution of the procedures and policies.
 Implemented a decentralized process of loans approval up to a specific amount through the
branches directly which reduced the time of granting the loan from about 10 days in average
to 2 days maximum.
 Successfully implemented automated loans work flow to ensure accuracy, standardization of
processes, improve archiving and tracing processes of all cases.
Credit Agricole Egypt
Vice President (Regional Manager) July 2005 – May 2010
 Set up the business plan of a region of five branches.
 Identified potential locations of new branches for expansion purposes.
 Analyzed business figures and located where the gaps between targets and actual figures
are and followed up with branch managers to close the gaps and achieve the target.
 Ensured proper staffing of the region with qualified staff and attended all panel interviews
to select the right candidates.
 Performed regular and ad hoc visits to the branches to follow up the efficiency of the service
and communicate with the staff and listen to their issues and concerns.
 Met regularly with direct reports to discuss their development plans and set their career
path targets.
 Promoted and upgraded a lot of the potential staff to higher positions.
 Encouraged staff training and ensured that staff at all level gets the appropriate training
based on their development plans.

3. Hesham Refaat
  
 Managed to have the region achieve better results versus the targets and worked on
improving the figures on a progressive and constant manner.
 Improved Audit Ratings for Branches under supervision from Generally satisfactory to
satisfactory.
American Express Bank
Several positions last held was a Senior Manager March 1994 – June 2005
 Set up the goals and objectives of the branch and its staff in accordance with the general
bank objectives.
 Closed all the gaps of the previous Audit Reports.
 Initiated standards for the service delivery and followed up staff adherence to the
standards.
 Monitored the utilization of credit lines granted to retail and corporate customers.
 Encouraged and derived subordinates to implement and achieve plans and targets.
 Assisted subordinates to set their individual organizational goals.
 Introduced supervisory and control tools that measure and control abidance with
compliance and regulators’ issues.
 Participated in the committee responsible for introducing and implementing Swift Local
Payment System in Egypt that was affiliated from the CBE and Banking Union as a
representor of Foreign Banks.
 Represented Egypt in American Express Global work shop and prototyping sessions for
business re-engineering process and unification of the core system of Amex. Worldwide.
Subject was held for three weeks in Singapore in 1996.
 Prepared job descriptions for all the functions under direct supervision.
 Headed the Remittance and Collection Departments.
 Implemented the swift payment system as the first bank in Egypt in 1995. Linked to Swift
through our headquarter in New York.
BNP Paribas – Cairo
Deputy Head of Foreign Exchange Department March 1985 – March 1994
 Worked as an officer in all Operations department. Including customer service, time
deposits, current accounts, letters of Guarantees and vault custodian.
Personal Data
Date of Birth: 9/9/1963 Place of Birth: Cairo
Nationality: Egyptian Marital Status: married
Skills
 Computer: Excellent knowledge of word, excel, PowerPoint
 Languages: Fluent in English, very good in French and native Arabic.