Mohamed Zarrugh
Verified Expert in Finance
Management Consulting Expert
Scottsdale, AZ, United States
Toptal member since May 12, 2022
Mohamed has held executive internal consulting roles for JPMorgan Chase and Wells Fargo, transforming operations with annualized expense reductions of up to $180 million. He is a finance expert who perfectly blends the academic knowledge of an Industrial Engineering degree and MBA with deep business acumen and technical know-how. Specializing in strategic planning, performance management, and process improvement initiatives, Mohamed is willing to leverage his experience with other clients.
Career Highlights
Case Studies
Expertise
Work Experience
Managing Director
Zarrugh Consultancy LLC
- Supported broad transformational changes for a medical device company, revamping the value proposition within their current target market for greater value while framing a strategic initiative to enter new markets.
- Led a post-M&A integration effort for a major food distributor with a new strategic buyer, outlining strategies in the operational future state model with other change management initiatives.
- Streamed billing operations for a prominent dental office to improve account receivables while tracking and managing activities across personnel with improved metrics and reporting.
Advisory and Adjunct Faculty Member
Benedictine University
- Advised the university on undergraduate/graduate program expansion and development to reach broader and more relevant curriculum design in the business management, strategic planning, operations management, and business analytics courses.
- Helped to develop and administer the Operation Research and Linear Programming courses, which outline the process of creating models to apply in various decision-making applications.
- Changed and enhanced the Operations Management course offering, which entails many process improvement approaches and case examples with best practices.
Principal Consultant
Key Bridge Capital
- Acted as a principal consultant for Key Bridge Capital and led the M&A activity representing regional players for prospective buyers across several industries, including banking services, SaaS (software), and retail consumer goods industry.
- Contributed to the strategic planning and execution for the sale of companies in excess of $50 million in revenue, involving market research, valuation assessment, and pitch deck creation.
- Approached work uniquely—starting with understanding the client, its value proportion, strategic vision, operations, and overall intent in future sales activities with the right investor/buyer for optimal synergy of value.
Strategy Consulting Leader
Wells Fargo
- Enhanced the commercial banking and consumer service treatment strategies to reduce contact center expenses, increasing first contact resolution by 5%.
- Increased digital adoption by 10% with targeted analytical approaches and conversion enhancements.
- Improved strategic marketing and the servicing strategy for consumers with high-net-worth (HNW) and private bank relationships, enhancing the net promotor score by 5%.
Internal Consultant Executive
JPMorgan Chase
- Reduced full-service channel customers towards a self-serve process, representing annualized savings of $12 million.
- Proposed process-improvement recommendations to claims operations with annualized savings of $50 million.
- Transformed fee servicing towards differentiated treatment with annualized savings of $180 million.
- Reduced customer attrition in credit card businesses with annualized savings of $1 million.
Contract Management Consultant
State of Oregon
- Redesigned collection processes based on willingness and ability to pay with improved compliance.
- Enhanced servicing strategies through outbound targeted communication.
- Decreased receivables by over 30% in two years, from $3.8 billion to $2.6 billion.
Education
Master’s Degree in Business Administration (MBA)
Oregon State University - Corvallis, Oregon, USA
Bachelor's Degree in Industrial Engineering
Oregon State University - Corvallis, Oregon, USA
Bachelor's Degree in Mathematics
University of Oregon - Eugene, Oregon, USA
Certifications
Leadership Development Forums
Oregon State University
Professional Member – Institute of Industrial & Systems Engineers
Institute of Industrial & Systems Engineers (IISE)
Industrial Engineering Career Forums
Oregon State University
Skills
Finance
Performance Reports, Business Intelligence Development, Financial Modeling, Data Analysis, Market Research Analyst, Forecasting, Revenue & Expense Projections, FP&A, Customer Lifetime Value (CLV), Pricing, M&A, M&A, Fundraising, Total Addressable Market (TAM), Cost-benefit Analysis, Valuations, Trade Finance, Incentive Simulations, Market Opportunity Analysis, RiskMetrics, Equity Valuation, Corporate Finance, Seed Fundraising, Startup Funding, Mortgage REITs, Investment Memoranda, Cost Reduction & Optimization (Cost-down), ROI, Capital Raising, Monetization Models, Private Equity, Internal Financial Reporting, Fund Structure, Structuring of Funds, Pre-revenue Valuation, Market Models, Cash Flow Modeling, P&L Forecasting, Series A, M&A (Sell-side), Three-statement Modeling, Revenue Modeling, Pricing Strategy, Profitability Analysis, Stock Trading
Output Software
Excel Development, Microsoft PowerPoint
Data & Analysis Software
Financial Data, Tableau Development, Microsoft Development
Industry Expertise
Lean Project Management, Mobile App Design, Financial Services, Banking Consulting, Small Business, Early-stage Startups, Retail & Wholesale, Technology, Real Estate, Confidential Information Memorandum (CIM), Food & Beverage, Food, Healthcare App Design, Venture Capital, Industrial & Manufacturing, Logistics Consulting, Real Estate Development, Hospitality
Geographic Expertise
Middle East, United States
Other
Executive MBA, Operations Management, Process Improvement, Lean Analytics, Strategic Planning, Change Management, Analytics Development, Process Mapping, Customer Journeys, Strategic Planning & Execution, Financial Strategy, Strategic Initiatives, Channel Management, Digital Channels, Contact Centers, Balance Scorecards, Performance Analysis, Performance Management, Business Performance Management (BPM), Business Audits, UX Development, Data Strategy, Knowledge Management, Teradata, SQL Server, Business Analysis Consulting, Business Process Improvement (BPI), Process Design, Business Modeling, GTM Marketing, Startup Development, Net Promoter Score (NPS), Customer Satisfaction, Digital Strategy , Customer Segmentation, Customer Analysis, Growth Strategy, Customer Analytics, Data Science, Customer Insights, Data Science, Market Research Analyst, Agile Development, Product Strategy, Documentation, Finance, Compensation Plans, Business Strategy, Financial Data Analytics, Management Consultants, Innovation, Design, Omnichannel Marketing, CX Design, Digital Transformation, Customer Success, Fintech, Transformational Leadership, Sales Strategy, Business Processes, Business Process Modeling, Operating Models, Business Process Consulting, Organizational Change Management (OCM), Product-market Fit, Business Partnerships, Storytelling Design, Communication Coaching, Brand Marketing, Content Writing, Mobile App Design, Business to Consumer (B2C), Presentation Design, Design Strategy, Business Development, Global Banking, Business Cases, Analysis, Business Planning, Large-scale Projects, Marketplace Design, Growth Strategy, E-commerce marketing, Chief Operations Officer (COO), Business Operations, COO, Pitch Deck Consulting, Presentations, Executive Presentations, Product Development, Market Research & Analysis, Use Case Analysis, Key Performance Indicators (KPIs), Agile Development, SWOT Analysis, Market Research Analyst, Survey Consulting, Competitor Analysis, Organization Assessment, Design Consulting, New Business Development, Business Logic, Sales, Competition Research, Business Services, Business Transformation, Financial Forecasting, Visio, Organizational Design, Compensation Programs, Compensation, Performance Improvement, Go-to-market Plans, Growth Marketing, Mobile App, B2B Partnerships, Sales Growth, SaaS, Competitive Strategy, Sales Effectiveness, Fundraising Strategy, Commercial Banking, B2B Design, Product Benchmarking, Benchmarking, Incentive Plan Design, Operational Excellence, Business Process Management (BPM), Business Process Flow (BPF), Agile Coaching, Process Optimization, Investments & Risk Management, Family Office COO, Advisory, Business Technology, Compliance, Operations, Post-merger Integrations, PMI Project Management, Stakeholder Interviews, Consumer Packaged Goods (CPG), Graphic Design, Trading, Product Design, New Products, Market Entry, Roadmaps, TOM, Monetization Product Management, Trend Analysis, Luxury Industry, Investment Funds, Operational Efficiency Improvement, Team Mentoring, Team Effectiveness, Team Management, Motivation, Organizational Strategy & Design, Business Proposal Writing, Corporate Finance, Logistics & Supply Chain, HR/Workforce Transformation, HR Transformation, Human Resources, Business Process Optimization, Early-stage Venture Capital, Sales Compensation Structuring, Commercial Lending, Retail Strategy, Business Plan Consulting, Investor Presentations, Financial Products, Competitor Analysis & Profiling, Market Fit, Inventory Management, Innovation Strategy, Thought Leadership, Content Marketing, Early-stage Funding, Control & Cost Analysis, Financial Analysis, Fundraising, Financing, Media, Sales Operations, Chief of Staff, Sales Funnel Strategy, CIM, Microsoft 365, Business Analysis, Financial Reporting Dashboards, Business Intelligence Development, White Papers, Investor Relations, Term Sheet Advisory, Cap Tables, Organizational Structure, Cost Analysis, Crowdfunding, Scaling, Restructuring, Process Transformation, Business Consultant, Virtual Coaching, Recruiting, Quantitative Analysis, Data Science, Quantitative Development, Analytics Development, Procurement, Executive Consulting, Vendors & Suppliers, Contract Review, Contract Negotiation, Product Management, Onboarding, Product Engineering, Program Management, P&L Management, Supply Chain Operations, Contract Management, SOP Development, Request for Proposal (RFP), Healthtech, Customer Acquisition, Excel, Investment Capital Raising, Payment Collection, Business Modeling, Digital Marketing Strategy, Growth Marketing, Digital Experience, Data-driven Marketing, Market Sizing, Sales Compensation, Strategic Partnerships, Partnerships, Brand Strategists, Branding, PR, Edtech Design, Marketing Strategy, B2C, Marketing Design, Chief Marketing Officer (CMO), Brand Positioning, Growth Hacking, Digital Branding, Enterprise Software, Pricing, Pricing Analysis, Investment Banking, M&A Strategy, Workshop Facilitation, Workshops, Business to Business (B2B), Opportunity Identification, Subscriptions, Marketing Transformation, Artificial Intelligence, Direct to Consumer (D2C), Agile Development, Angel Investing, Healthcare IT, Affiliate Marketing, Internet Marketing, SaaS, High Net Worth Individuals (HNWI), Digital Marketing Product Management, Digital Health, Supply Chain, Supply Chain Optimization, SaaS, NAV, Commercial Real Estate Finance (CREF), Waterfall Methodology, CPG, Restaurant Operations, FMCG, Logistics & Warehousing, Total Quality Management (TQM), Kanban Project Management, Data Science, Change Leadership, Team Leadership, QA Leadership, MIS Reporting, Decision Support, Key Performance Metrics, Data Science, Hypothesis Testing, Business Intelligence Development, Financial Statements, Call Centers, Pattern Recognition, Productivity, Startup Growth Strategy Development, Diagnostics, Business Management, Business & Digital Transformation, Customer Experience Strategy, Strategic Marketing
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