Rachad AL KHOURY

Questioner
DISC Type : c

CX & Operations at Monzo Bank

United Kingdom

Overview

Rachad is a leader in CX & Operations at Monzo, with 15 years of global experience in strategy, product development, and operations across diverse industries. He has deep expertise in the payments ecosystem and is an alumnus of CentraleSupélec.

Personally, Rachad is an avid sportsman, enjoying tennis, squash, badminton, and soccer. He also has a passion for music, playing the piano and drums, and engaging in audio mixing.

Interestingly, Rachad won the Presidents Club Award, recognizing him as a top 2% performer at American Express.

Personality Overview

Systematic

Price-Sensitive

Not Easily Convinced

They generally do not appreciate an overfriendly approach and prefer to stay to-the-point.  While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters. They prefer to analyze every situation thoroughly.


Topics They Care About

Customer Experience Strategy
As the CX & Operations leader at Monzo, he focuses on strategy, transformation, and planning for customer experience.
Payments Ecosystem Trends
He possesses deep expertise in the payments ecosystem, covering issuing, network, acquiring, and consumer trends.
Digital Solutions Go-to-Market
Rachad has a proven track record of designing and implementing revenue growth and go-to-market plans for digital solutions.

Media Appearances

Rachad has no verified media appearances

Work History

3-2025
CX & Operations at Monzo Bank
10-2021 - 3-2025
Vice President, Digital Solutions Enablement & Distribution at American Express
4-2019 - 10-2021
Vice President, Global Network Strategy at American Express
4-2017 - 3-2019
Director, Strategic Initiatives at American Express
11-2015 - 4-2017
Manager / Principal at Mars & Co.

Education

2006 - 2010
Master's degree from CentraleSupélec
2004 - 2006
Mathematics from Lycée Louis-Le-Grand

More Information

Social Presence :

Prographics :

Exp : 16 Location : United Kingdom Job Level : N/A Designation : CX & Operations at Monzo Bank
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Insights For Selling To Rachad

During A Call Or A Meeting

DO's

  • Emphasise more on facts and measurable benefits
  • Share as much information as possible regarding your product
  • Tell them that you will come back if you don’t have a good answer for a question

DONT's

  • Avoid rushing them, be polite and patient
  • Don’t try to be too friendly or informal with them
  • Avoid phrases like ‘do not worry about’, ‘no one compares to’ etc.

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Rachad is

  • Confidence that the product provides ROI, effective pricing and process adherence matter the most to them.

  • Will you ever get a clear answer from Rachad

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Rachad move?

  • They can move at a reasonable pace while making their decisions if they have the necessary information.

  • Can Rachad take some risk or not?

  • They can take risk if they are convinced that they have analyzed the circumstances well.


You And Rachad

Personality Compatibility


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