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Ahmed Fahmy

Head of Cards , Payments & Value proposition @ ADNOC Distribution | Strategic Business Development Leader | Co brand cards Expert
24.7 yrs experienceRetail
Jun 2022

The move

MoveAbu Dhabi Commercial Bank ADNOC Distribution
TitleSenior Manager , Head of Co brand cards Head of Payments, Cards and Value Proposition.
LocationAbu Dhabi Abu Dhabi
Career arcRecent arrival
Cross-border moveNo — same country
UAE federal / sovereign destinationYes
Years in UAE11.2
Total experience24.7 years
ADNOC Distribution headcount10,001+ employees
ADNOC Distribution industryRetail
ADNOC Distribution HQAbu Dhabi
ADNOC Distribution founded1973
ADNOC Distribution typeGovernment Agency

Career arc

  1. Head of Payments, Cards and Value Proposition.Jun 2022 — Present
    ADNOC Distribution· Abu Dhabi Emirate, United Arab Emirates· Full-time
  2. Senior Manager , Head of Co brand cardsSep 2018 — Apr 2022
    Abu Dhabi Commercial Bank· Abu Dhabi, Abu Dhabi, United Arab Emirates· Full-time
  3. AVP- Co Brand Cards and Indirect SalesJan 2015 — Sep 2018
    Emirates Islamic· Dubai, United Arab Emirates· Full-time
  4. Head of Product Development – Credit Cards & Strategic Merchant Acquiring Business.Aug 2013 — Jan 2015
    CIB Egypt· Egypt· Full-time
  5. Cards Product and Portfolio ManagerJan 2009 — Jul 2013
    QNB Group· Qatar
  6. Retail Credit Risk Analyst - Section HeadDec 2007 — Jan 2009
    Piraeus Bank
  7. Senior Product Officer- CardsApr 2006 — Dec 2007
    Piraeus Bank· Egypt
  8. Charge Back & Fraud officerMay 2001 — Mar 2006
    Arab Banking Corporation· Egypt

Education

Top skills

Customer AcquisitionGo-to-Market StrategyTeam ManagementAcquisitionsProduct Design & DevelopmentCustomer Segmentation Strategy

About

I am a seasoned payments and cards leader with over 20 years of banking experience across Qatar, UAE, and Egypt. Currently serving as Head of Payments, Cards & Value proposition at ADNOC Distribution, I oversee the full payments ecosystem for the UAE’s largest fuel retailer. I bring deep expertise in co-brand program development, merchant acquiring, strategic partnerships, and end-to-end payment strategy execution. Throughout my career, I’ve held senior leadership roles at top-tier banks including QNB, CIB, Emirates Islamic, and ADCB. I have a proven track record of managing large-scale card portfolios and launching award-winning co-branded card programs in partnership with leading brands such as Emirates Skywards, Etihad Guest, Qatar Airways, RTA, and Lulu. I’ve also successfully develop

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