Maryana Saba

Experienced Branch Manager with a proven track record in branch and operations management, credit analysis, and loan processing. Skilled in driving portfolio growth, revenue optimization, and customer acquisition through strategic planning and effective team leadership. Adept at customer relationship management, insurance and investment sales, risk compliance, and delinquency control.

Committed to enhancing customer satisfaction, improving operational efficiency, and achieving sustainable business growth.

Branch Manager at Ahli Microfinance Company (AMC) (2016-01 – 2023-11)

• Led overall branch operations, ensuring full compliance with policies, regulations, and ethical standards
• Evaluated loan applications and prepared credit recommendations for the Loan Committee
• Drove portfolio growth and doubled branch revenues within two years through strategic planning and performance management
• Managed collections and delinquent loans, reducing risk and improving portfolio quality
• Led, coached, and developed branch staff using a servant leadership approach to achieve targets
• Recruited, trained, and conducted performance reviews to improve productivity and service quality
• Strengthened customer relationships, increasing satisfaction, loyalty, and repeat business
• Implemented local marketing initiatives to boost brand visibility and community presence
• Implement and manage Energy Management Systems (EMS) and Industry 4.0 solutions to monitor, analyze, and optimize utilities

Assistant Branch Manager at Ahli Microfinance Company (AMC) (2014-09 – 2016-01)

• Supported the Branch Manager in daily operations and execution of branch business plans
• Processed and approved customer loans in line with credit and risk policies
• Supervised officers' activities, including collections follow-up and performance support
• Resolved daily operational issues and provided hands-on guidance to branch staff
• Managed employee scheduling, improving productivity and service continuity
• Handled high-value and priority client accounts, strengthening retention and loyalty
• Promoted banking products and services, contributing to sales growth targets
• Assisted in budgeting, financial reporting, and performance monitoring while ensuring risk and compliance standards

Customer Relationship Officer (CRO) at Arab Bank (2009-03 – 2012-07)

• Cross-sold banking and insurance products to existing customers while acquiring new clients
• Identified new sales opportunities and markets to support achievement of bank targets
• Advised customers on tailored financial solutions aligned with their needs and risk profiles
• Acquired new customers by promoting key products, including investment services, insurance, current accounts, and savings accounts
• Built and maintained strong client relationships, driving loyalty and repeat business
• Delivered high-quality customer service to enhance satisfaction and long-term engagement

Customer Service Officer (CSO) at Arab Bank (2006-11 – 2009-03)

• Identified customer needs and referred clients to appropriate banking products and services
• Processed daily teller transactions, including cash deposits and withdrawals
• Accepted and verified cash and cheque deposits in accordance with banking procedures
• Conducted foreign currency exchange transactions accurately and efficiently
• Ensured compliance with cash handling, security, and operational policies
• Delivered prompt and courteous customer service, maintaining accuracy and trust

Bachelor in Accounting and Commercial Law – The Hashemite University (2002-09 – 2006-06)

General Secondary School Certificate in The Jordanian General Secondary School Certificate – Jordan (2001-09 – 2002-07)