Khaldoon Al Qammaz

About

Strategic and transformation-focused banking executive with a PhD and 18+ years of experience leading enterprise strategy, performance management, and business growth across GCC and MENA markets. Brings deep expertise in retail banking, digital transformation, customer experience, governance, and executive stakeholder engagement.

Experience

• Executive Manager – Acting Group Chief Strategy & Transformation Officer (CSTO)
  Bank of Jordan · Amman, Jordan
  Sep 2025 – Present

  Lead group-wide business performance across 7 markets, align strategy with revenue growth, profitability, and market dynamics, direct transformation initiatives, oversee market expansion, and partner with CEO, Board, and Executive Committees.

• Retail Banking Transformation Head
  Bank of Jordan · Amman, Jordan
  Sep 2024 – Sep 2025

  Led end-to-end retail banking transformation, improved customer experience, accelerated digital capabilities, developed customer-centric products, and supported commercial growth.

• Strategy & Transformation Lead (Consulting Engagement)
  AiElements · Saudi Arabia, Iraq, Jordan
  Dec 2023 – Nov 2024

  Led multi-market fintech strategy initiatives, executed strategic partnerships and expansion opportunities, engaged with C-level executives and regulators, and managed transformation roadmaps.

• Head of Consumer Banking
  Egyptian Arab Land Bank · Jordan
  May 2023 – Jan 2024

  Directed retail banking strategy, improved customer growth and retention, led digital initiatives, managed retail operations, and developed payment solutions and ecosystem partnerships.

• AVP – Contact Center & Customer Retention
  Jordan Ahli Bank · Jordan
  Sep 2018 – May 2023

  Designed customer retention strategies, leveraged customer analytics, optimized contact center operations, and led targeted engagement campaigns.

• Contact Center Senior Manager
  Bank Al Etihad · Jordan
  Feb 2011 – Sep 2018

  Led large-scale contact center operations, ensured service KPIs, improved customer satisfaction and retention, and enhanced processes and team performance.

• Customer Service Officer
  Capital Bank of Jordan · Jordan
  May 2008 – Oct 2010

  Delivered front-line banking services, ensured accurate transactions, maintained customer relationships, and supported daily operations.

Education

• PhD in Business Administration
  The World Islamic Sciences & Education University
  Business Administration · Dec 2017 – Jan 2021
• Master’s Degree in Business Administration
  Petra University
  Business Administration · Sep 2009 – Jun 2011
• Bachelor’s Degree in Software Engineering
  Al-Balqaa Applied University
  Software Engineering · Sep 2004 – Jan 2008

Skills

• Automation 2 to 5 years
• Data Analytics <3 months
• Product Management <3 months
• Banking 6 to 12 months
• Change Management <3 months
• Business Development 2 to 5 years
• Operations Management 10+ years
• Cost Control <3 months
• Business Intelligence <3 months
• Process Improvement 5 to 8 years
• Market Expansion 1 to 2 years
• Operational Efficiency <3 months
• Corporate Governance <3 months
• Revenue Growth <3 months
• Digital Transformation 1 to 2 years
• Governance 1 to 2 years
• Fintech <3 months
• Transformation 2 to 5 years
• Partnerships <3 months
• Culture transformation <3 months
• Board Engagement <3 months
• KPI Design <3 months
• Program transformation <3 months
• Commercial Excellence <3 months
• ESG 1 to 2 years

Languages

• Arabic Native / Bilingual Speak
• English Fluent Speak