Experience

• 

  AMAN Holding

  • Egypt
  • Financial Services
  • 700 & Above Employee

  • Director

    • Aug 2023 - Present

    - Established the collections department, integrating FinTech industry standards using AI and RPA.- Hired and trained new collection and legal staff as well as collection agencies.- Process and System Implementation: - Implemented collection modules and CRM systems.- Automated workflows using RPA.- Innovated and managed company payment channels.- Created and automated policies, processes, and SLAs to streamline workflow.- Developed daily and monthly KPIs for delinquency and collection officers using Power BI.-Risk Management and Forecasting:- Reviewed current and new product granting policies to maintain an acceptable risk level.- Forecasted Non-Performing Loans (NPL) and Expected Credit Loss (ECL).- Managed delinquency, provisions, and capacity planning.- Data Reporting and AI Utilization:- Managed I-Score reporting and disputes.- Developed Power BI dashboards for KPIs.- Utilized AI for collections processes and delinquency predictions.

  • Head of Collection and Recovery

    • Nov 2020 - Dec 2023

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  Abu Dhabi Commercial Bank

  • Talat Harb st. Down town cairo

  • Head of Retail Collection and Recovery

    • Aug 2015 - Aug 2019
    • Talat Harb st. Down town cairo

    Hiring Collection and Recovery Staff- Create job descriptions and roles definitions - Implement a rigorous recruitment process to hire qualified personnel with relevant experience in debt collection and recovery.- Develop a robust training program covering collection techniques, communication sk...

• 

  Credit Agricole Egypt

  • Fifth settlment -New cairo

  • Head of internal collection

    • Sep 2006 - Aug 2015
    • Fifth settlment -New cairo

    • Evaluate current collections strategies & processes in terms of efficiency & cost benefit.• Setting strong collection team.• Reduce and control the delinquencies and provision in earlier buckets.• Forecasting of work volume and capacity plan for work assignments.• Decrease and cut the c...

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  Citi

  • Garden city ,Cairo

  • Retail Collection Officer

    • Sep 2005 - Sep 2006
    • Garden city ,Cairo