As Head of Retail Banking and Wealth Management, Frederic de Melker oversees the bank’s Retail activities in Egypt. In this role, Frederic is responsible for driving new business growth, expanding the network and e-channels as well as exploring cross-selling opportunities across the customer segments. He manages business line, ensuring it is closely aligned to the Bank’s and Emirates NBD Group strategy. With over 20+ years’ experience, servicing and managing retail banking segments, he places strong emphasis on customer service excellence and providing the best in objective customer guidance. Prior to joining Emirates NBD in Egypt, he was managing the Priority Banking segment at Emirates NBD in the UAE. In 2011 he moved from Citibank, Belgium, one of the larger international brands where he was Citi gold Head. He started his career in a relationship manager role, where he gained first-hand knowledge of the immense value of long term customer-bank relationships and meeting customer needs. Frederic de Melker is Dutch of Belgian decent and holds a Bachelor of Management Degree in Insurances from University College Ghent. He gained an MBA Degree in ‘International Marketing’ and ‘Creativity, Innovation and Change’ from the Open University, UK in 2009 and holds a Certificate in ‘Organizational Behavior’ from the Edinburgh Business School, Heriot-Watt University in the UK. Besides his role, he is a member of the Executive Committee and the Board Secretary of Emirates NBD Egypt S.A.E.