Experience

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  GB Capital SAE

  • Cairo, Egypt

  • SVP-Head of Risk

    • Sep 2023 - Present
    • Cairo, Egypt

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  Rover Consultants & Supplies

  • Cairo

  • Company Owner

    • Jul 2022 - Jan 2024
    • Cairo

• 

  Al Ahli Bank of Kuwait - Egypt

  • Egypt

  • VP - Retail Credit Risk Head

    • Jan 2015 - Jun 2022
    • Egypt

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  Bank Audi

  • Egypt

  • Assistant General Manager - Deputy Retail Credit Head & Policy Head

    • Sep 2009 - Dec 2014
    • Egypt

    - Establish a complete credit cycle to ensure all retail credit risks are adequately identified.- Member of the retail credit committee.- Representation of retail credit in management forums, risk committee and board of directors’ meetings.- Reviewing the development of new credit policies and their pertinent manuals in preparation for launch of new products.- Ensure all policy actions are documented with clear trails to track changes against performance trends.- Explore business opportunities to identify low risk segments to maximize revenues and minimize associated risks.- Ensure compliance of all policies (new, existing, or changes) to regulatory requirements and the applicable laws.- Oversee the development and delivery of policy training material to ensure adequate understanding of policies across all relevant units.- Identify staff weaknesses and address them with training in collaboration with HR division.- Work with credit MIS unit to generate the necessary analysis required for portfolio tracking and monitoring.- Conduct qualitative and quantitative analysis on different portfolio segments.- Overseeing Central Bank of Egypt and credit bureau’s reporting and correspondences.- Establish performance benchmarks for all asset products.- Develop capacity plans for all retail credit functions.- Ensure accurate capturing of data to guarantee the production of reliable and validated analytics.- Manage process efficiencies and related costs.- Establish a self testing process in all credit functions to test the effectiveness of the controls in place and develop corrective action plans, if needed.- Develop sampling standards to be used by various credit functions in identification of non-compliant applications.- Oversee the contractual agreements with third party vendors, monitor their performance and ensure controls are in place to manage associated risks.- Provide inputs into performance and performance appraisals of all retail credit staff.

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  Barclays Bank

  • Loans' Policy Manager

    • Sep 2006 - Sep 2009

    • Support and manage the retail credit risk management functions of the bank.• Design & launch new products.• Perform quantitative credit and financial analysis on the bank's retail products portfolio using portfolio analytical applications and market information.• Monitoring, evaluating, developing and implementing credit policies and procedures in the area of portfolio management.• Identify opportunities by locating low risk segments and design policies that maximize returns from low risk segments.• Balance risk with reward by analyzing the financial returns of a segment and comparing to risks the same segment poses.• Prepare and document policy changes (whether tightening or relaxation) and discuss with appropriate authority level for implementation of the recommended change.• Conduct regular training to Assessors and front liners on new policies and regulations.• Ensure that all retail risk policies adhere to the CBE regulations, and are in compliance to Barclays Corporate Retail Risk Policies.• Develop credit policy unit’s procedures and policy manuals.• Identify credit policy unit’s process risks and develop mitigating controls.• Ensure controls over processes are effective by conducting regular self assessment tests.• Monitor assessment unit’s approval by conducting regular sample checks on approved, rejected, and deviation cases to ensure their compliance to the set policy.• Provide Continuous recommendations regarding policy enhancements to ensure reasonable risk performance while maintaining profitability.• Work with credit MIS unit to generate the necessary MIS that is required for portfolio tracking and monitoring• Analyze top rejection and cancellation reasons vis-à-vis the set policy to remove unnecessary process inefficiencies and bottlenecks

• 

  Scotiabank

  • Senior Personal Banking Officer

    • Oct 2002 - May 2006

    • Meeting pre-set annual sales target of CAD $ 8MM in 2005.• Performing daily marketing activities.• Sell personal financial solutions to meet customers’ needs on both the borrowing and investment levels.• Service customers’ needs and maintain strong relationships.• Contribute to the overall business objectives of the branch and the bank.• Work closely with colleagues to cross-sell the bank’s products.

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  Credit Agricole

  • Senior Officer - Corporate Banking

    • May 2000 - Aug 2002

    • Marketing for and selling of financial corporate solutions.• Preparing corporate credit reviews including industry, financial, and business cycle analysis as well as financial projections.• Presenting credit reviews to the bank’s senior management for approval.• Plan, organize, and direct daily operations.• Responding promptly to customers’ complaints and resolving them.• Training subordinates.

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  Ghabbour Egypt

  • Treasury Manager

    • Nov 1998 - May 2000

    • Managed the company’s relationship with the banks.• Handling the companies’ daily cash flow activities.• Responsible for managing financial costs.• Preparing actual and budgeted cash flow statements.• Managing the collection of the company’s receivables.• Handling the company’s foreign exchange position in order to meet the foreign obligations towards the suppliers.

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  Mashreqbank

  • Account Manager - Corporate Banking

    • Jun 1996 - Jun 1998

    • Soliciting new banking relationships.• Preparation of financial projections, cash flow statements, and annual renewal of the clients' credit requests.• Follow up on the limits' utilization to achieve optimum profitability.• Ensure adherence to credit policies and daily management of the accounts under my supervision.