SeragEldin Mostafa
Credit Initiation & Policy Head
cairo
Summary
Dynamic professional with over five years of experience in Retail Credit Risk within the Consumer Lending department, specializing in the processing of credit applications in accordance with established lending parameters and deviation caps. Proven expertise in ensuring compliance with standard operating procedures for credit underwriting, verification, and documentation, along with meticulous reporting of exceptions to management. A strong foundation in credit initiation, gained through an internship at Bank Audi and ENBD, complements a track record of effectively managing multiple priorities while maintaining a positive attitude. Committed to contributing to team success by embracing additional responsibilities and fostering a collaborative work environment.
Overview
8
8
years of professional experience
1
1
Language
Work History
Credit Initiation & Policy Head
Lime Consumer Finance
02.2025 - Current
- Led the development and implementation of credit initiation policies, enhancing compliance and operational efficiency across the organization.
- Managed a team of analysts to evaluate credit risk, ensuring accurate assessments and timely decision-making for loan approvals.
- Streamlined the credit initiation process by integrating advanced analytics tools, significantly reducing processing time and improving accuracy.
- Collaborated with cross-functional teams to design training programs for staff, resulting in improved adherence to credit policies and procedures.
- Provided strategic guidance in the development of automated systems for credit evaluation, enhancing data integrity and reporting capabilities.
- Conducted comprehensive reviews of credit policies, implementing changes that strengthened risk management practices and ensured regulatory compliance.
Retail Credit Risk Team Head
First Abu Dhabi Bank (FABMISR)
11.2022 - 02.2025
- Monitored team sized 15+ on performance and provided constructive feedback to increase productivity and maintain quality standards.
- Review Minimum Criteria check done by credit Analysts , and their comments to ensure it is in line with the policy.
- Compute applicant's debt burden and approving applications within the assigned limit and as per the delegation of authority meeting productivity and TAT target with compromising credit quality.
- Proposing deviation approvals based on strong profile of the applicant, despite not meeting certain individual requirements.
- Identified and addressed impediments to team progress and success, resulting in a smoother flow of work and improved team morale
- Led a cross-functional team to create a risk assessment framework that identified, monitored, and mitigated potential compliance risks
- Evaluated credit risk and loan applications to ensure compliance with established policies and procedures
- Developed and implemented strategies to reduce credit delinquencies and manage risk exposure.
- Developed and implemented comprehensive credit risk assessment strategies, enhancing portfolio quality and minimizing losses.
- Conducted in-depth analyses of credit risk data, informing decision-making and fostering a culture of data-driven risk awareness.
- Led the Retail Credit Risk Team to develop and implement comprehensive risk assessment frameworks, enhancing decision-making processes.
- Collaborated with cross-functional teams to design risk mitigation strategies, significantly reducing potential credit losses.
Credit Manager Risk
BANK Audi
10.2020 - 10.2022
- Developed risk assessment procedures to identify potential credit risks, enhancing decision-making processes and reducing losses.
- Led a team in the implementation of credit policy updates, ensuring compliance with regulatory standards and improving operational efficiency.
- Analyzed customer credit reports and financial statements, providing insights that supported informed lending decisions and minimized default rates.
- Collaborated with cross-functional teams to design and execute credit risk models, resulting in improved accuracy of risk evaluations.
Senior Credit Officer
Bank Audi
06.2019 - 10.2020
- Led credit evaluation processes, ensuring compliance with regulatory standards and enhancing risk assessment accuracy.
- Mentored junior credit officers, fostering skills development and improving the overall efficiency of loan processing.
- Streamlined credit approval workflows, resulting in reduced turnaround times and improved customer satisfaction ratings.
- Conducted in-depth financial analysis to assess borrower creditworthiness, mitigating risk and supporting informed lending decisions.
- Analyzed credit portfolios, identifying potential risks and recommending strategies for risk mitigation and portfolio optimization.
Credit Officer
Emirates NBD
01.2018 - 01.2019
- Handling early repayments for loans.
- Finalizing financial data about clients, including paying habits or history
- Assessed credit applications to evaluate financial risk, ensuring compliance with regulatory standards and enhancing decision-making accuracy.
- Collaborated with cross-functional teams to streamline credit approval processes, resulting in improved turnaround times for customer requests.
- Conducted comprehensive financial analyses using advanced tools, which facilitated informed lending decisions and minimized potential losses.
Education
Bachelor of Business Administration - Accounting & Finance
British University In Egypt
Cairo 04.2001 -
Skills
Ability to Multitask Expert
Time Management Expert
Leadership Expert
Credit risk assessment
Policy development
Team leadership
Data analysis
Loan underwriting
Risk management
Credit policy adherence
Credit application processing
Team building
INTERNSHIPS
- Internship in Finance Division , ENPPI
- Internship In a Finance division learning overview of invoice cycle until collection from vendors.
- Overview of type payments, accounting sub ledgers and financial statements.
- Credit Officer, Bank Audi
- Implemented a credit scoring system to improve the accuracy and efficiency of credit decisions
- Analyzed financial statements and credit reports to determine creditworthiness of borrowers
- Evaluated credit risk and loan applications to ensure compliance with established policies and procedures
Timeline
Credit Initiation & Policy Head
Lime Consumer Finance
02.2025 - Current
Retail Credit Risk Team Head
First Abu Dhabi Bank (FABMISR)
11.2022 - 02.2025
Credit Manager Risk
BANK Audi
10.2020 - 10.2022
Senior Credit Officer
Bank Audi
06.2019 - 10.2020
Credit Officer
Emirates NBD
01.2018 - 01.2019
Bachelor of Business Administration - Accounting & Finance
British University In Egypt
04.2001 -