Charif El-Baba is a seasoned retail banking professional with over 17 years of extensive experience in the banking industry, specializing in Operations Excellence and Strategy, Consumer Banking, Business transformation and Operating models, Strategy development and implementation, Customer Experience, BPR, and Digital Channels. He is an MBA graduate and holds a bachelor's degree in Computer Science. Charif has worked for various banks in Europe and the Middle-East and excelled in his roles, serving as Head of Retail Banking at Bank of Beirut, Senior Manager - Banking Industry - Strategy & Operations - Luxembourg - Middle East at Deloitte, Head of Alternative Channels at International Bank of Qatar (IBQ), Senior Branch Manager at International Bank of Qatar (IBQ), Senior Manager - Branch Network at International Bank of Qatar (IBQ), Branch Manager at Byblos Bank, Branch Manager at International Bank of Qatar (IBQ), and Branch Manager at BLOM Bank. Charif is a self-motivated, innovative and conceptual thinker with strong quantitative and interpersonal/communications skills. He has proven abilities in leading and sustaining organizational changes while recruiting, growing and retaining key talents within the organization.