Ahmed Saied Aly Hanafy
Credit Control & Collections Director
Cairo,Egypt
Summary
Seeking a challenging job opportunity that will enable me to progress my career in development, multinational firm, or a bank where analytical, organization, and communication skills would be enhanced and further improved. Seeking a challenging job opportunity that will enable me to progress my career in development, multinational firm, or a bank where an analytical, organization. and communication skills would be enhanced and further improved.
Overview
15
15
years of professional experience
Work History
Information Systems Analyst
MIS
- Generating Cards Collections, Report (Daily).
- Generating Delinquency, for loans with full analysis needed.
- Generating The Performance Indicator for collectors (Daily, daily averages and totals).
- Generating Aging analysis (End of Period).
- Generating the net credit lose reports for reconciliation.
- Generating the Supervisory Reviews MIS (Daily, daily averages and totals).
- Generating the Supervisory state (No Activity No Contact) MIS for cards & Loans unit heads.
- Generating the Collections Customer reach for the collections staff to ensure that the collections functions are executed effectively & professionally.
- Generating MIS reports on a daily / weekly / monthly basis and provide feedback to the collectors as well as the collection manager on the quality of performance.
- Provide performance evaluation analysis to higher level management on a regular basis and assessing the department's trend in regards to the set goals and targets.
- Existing policies and procedures to improve efficiency, cost effectiveness & portfolio quality / performance.
- Generating Over draft accounts MIS (Secured & Unsecured).
- Generating EMEA Collections MIS on the daily basis & reporting it to the region.
- Generating the flow rates analysis.
- Generating principle recoveries MIS (MTD).
- Calculating the growth credits lose, the net credits lose and the recoveries for MIS needs.
- Generating the Productivity index per hours & minuets MIS for all types of collectors.
Credit Control & Collections Director
Tatweer Misr – Egypt
02.2021 - Current
- Develop wide collections strategy, including portfolio segmentation and enhanced use of data/analytics to drive optimal recovery rates.
- Lead a credit collections team, supervise employees, and participate in hiring and disciplinary decisions.
- Creating procedures and policies that ensure timely payments while maintaining a high level of customer retention.
- Ensuring credit and collection policies and procedures are followed within my team.
- Supervises daily activities and maximizes efforts of staff in their collection efforts on accounts receivable, with special emphasis on delinquent accounts, and/or Credit Representatives in determining credit worthiness of new or existing customers.
- Monitoring of day to day operations across the credit and collections function.
- Direct resource/capacity planning, development of management team & establishment of long term business goals.
- Resolves customer disputes and negotiates settlements with customers on receivable issues accounts.
- Analyzes and assesses credit and collection issues falling outside Company policies and guidelines and determines course of action for resolution.
- Manage and develop credit leadership team so that they are able to motivate and train all individual team members to achieve departmental targets and optimise their potential.
- Leads the overall credit function, designs and implement process to improve cash flow and reduce receivables.
- Partner with Sales, Credit Risk and Finance to ensure the delivery of the most efficient end to end collections model, feeding into risk models to optimise vetting & provide links to collection segmentation/strategy.
- Lead credit transformational program to include structural review, local process/policy changes and business case creation for technology investments.
- Ownership of bad debt methodology, performance & reporting.
- Responsible for board level credit performance result presentations and controls of departmental budget.
- Responsible for the supervision and development of Credit & Collections staff.
Customer Service Manager
Union National Bank - UAE
12.2008 - 09.2019
- Acting branch manager) Flagship branch.
- Serving all customers segmentation beginning from account opening up to any credit facility or investment needed Including full required operations (documentation, facilities proposals, recommendation /approval, execution on the system and full disbursements through the branch).
- Achieve enhanced profitability and improve operational efficiency for RBG.
- Implement Action Plans of Customer Satisfaction Survey, Mystery Shopping and Service Quality Facilitation.
- Ensure all customer queries / complaints are closed within established time frames Maintain service level standard as per SLA.
- In consultation with Business Manager/Branch Manager, draw up monthly plans for Achieving new business and customer acquisition goals committed for the assigned branch.
- Source and call on individual prospects as well as organize and conduct sales Presentations to groups, clubs, associations, companies and other organizations within the assigned branch.
- Lead / assist assigned branch in upgrading and converting existing target branch Customers for.
- Personal Banking, Priority Banking and SME through staff training and presentations.
- The same goes for downgrades to the branch.
- Actively participate in Personal Banking, Priority Banking and SME marketing and Promotional activities for customer acquisition.
- Build and deepen relationships with existing Personal Banking Customers to achieve increase in share of wallet and revenues.
- Provide truly professional customer service to achieve a high level of customer satisfaction and retention to our existing customers.
- Review & recommend credit applications and follow-ups including loan documentation within authorized limits whilst adhering to guidelines specified in the Personal Banking Credit Policy &.
- Practice Manual and approved product programs.
- Ensure ongoing self-development.
- Adherence to Sales & Marketing and Miss selling Policy.
- Meeting with other managers to discuss possible improvements to customer service.
- Training staff to deliver a high standard of customer service & achieve the sales targets in full.
Senior Customer relationship
Arab bank - Egypt
08.2006 - 11.2008
- Handling difficult customer’s inquiries, complaints, and disputes.
- Forecast work volume while monitoring the overall performance.
- Negotiate settlements types with customers & discuss with them the full process.
- Educate customers on the benefits of taking loans (personal & auto), insurance, bank assurance, big organizations payroll, visa (electron & credit) & some other products.
- Provide feedback to Branch manager on operations and flow of work with ideas for improvement of certain process where appropriate.
- Track and monitor productivity / effectiveness for optimal performance.
- Responsible of all the internal and external transactions and transfers.
- Provide feedback for enhancement to AS400 (core banking system).
- Contributing in increasing the deals with companies in order to achieve the branch targets.
- Opening all types of accounts (Companies, personal, teenagers, joint, checking, multi-benefits, saving and current accounts).
- Responsible to search for all illegal accounts or documents (money laundry).
- Responsible to make all time deposits and certificates (Prepaid return, Golden, Multiple- currency, Daily return, Sakhra, Amaan).
- Responsible Payroll accounts (Automated system, semi-automated system and manual system).
- Responsible for the redemption of the time deposits and all certificates types.
analyst
CITI BANK, MIS
10.2004 - 07.2006
Education
Bachelor Degree - Information System, Computer Science
LEAN SIX SIGMA - undefined
6 University
BANK ASSURANCE AND INSURANCE COURSE AT ALLIANZ EGYPT - NOV. 2006 FOR 40 HOURS - undefined
CERTIFIED BANCA ASSURANCE - APR 2019 CISI FUNDAMENTALS - MAR 2019 BANK BRANCH MANAGEMENT - undefined
BASIC FIRST AID CERTIFICATE - NOV 2010 & RENEWED 2014 TILL 2017 INFORMATION SECURITY AWARENESS - undefined
PCI COMPLIANCE - SEP 2014 MICROSOFT EXCEL 2003: PROFESSIONAL USER - undefined
E-MAIL ETIQUETTE: E-MAIL IN THE WORKPLACE - undefined
TIME MANAGEMENT: DEVELOPING A TIME MANAGEMENT PLANE - undefined
BANKING LAW FOR RETAIL BANKERS - undefined
BANKING LAWS RELATED TO THE CBE AT EGYPTIAN BANKING INSTITUTE - undefined
BEST SERVICE BRANCH AWARD - PLATINUM
FINANCE FOR NON-FINANCE PROFESSIONALS - undefined
ANTI-MONEY LAUNDRY SYSTEM - undefined
OPERATIONAL RISK MANAGEMENT - undefined
MARKETING AND PRODUCT DEVELOPMENT AT ARAB BANK COMPLIANCE TRAINING CITI GROUP - undefined
NEGOTIATION SKILLS AT CITI GROUP - undefined
Skills
Professional user of: Microsoft Office 2003/2007 & 2010YPDG (Graphics)- MCP (Networks) A & N
Credit solutions guidance
Collections understanding
Visionary leadership
Ability to motivate workforce
Communication & negotiation
Effective management & delegation
PR & presentation skills & Communication Skills
Understanding of multi-faceted business operation
Strong financial acumen
Planning & forecasting
Discipline
Analytical Reasoning
Past Due Balance Management
Superior Attention To Detail
Fixed Assets Reporting Familiarity
[Type] Investigations
Peoplesoft Expert
Software skills
ERP
Data Visualization Microsoft Power BI
Professional user of: Microsoft Office 2003/2007 & 2010
YPDG (Graphics)- MCP (Networks) A & N
CIW Site Developer
CIW Site Designer
Dream waiver & Photoshop
ICDL (international computer driving license)
Programming languages for Web development
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- SOLUTION SELLING (May 2014).
- OVERCOMING OBSTACLES (MAY 2014).
- EFFECTIVELY CLOSING A SALE (MAY 2014).
- PROSPECTING AND ADDRESSING NEED (MAY 2014).
- GAINING CUSTOMER COMMITMENT (MAY 2014).
- DEVELOP A WINNING STRATEGY (MAY 2014).
Timeline
Credit Control & Collections Director
Tatweer Misr – Egypt
02.2021 - Current
Customer Service Manager
Union National Bank - UAE
12.2008 - 09.2019
Senior Customer relationship
Arab bank - Egypt
08.2006 - 11.2008
analyst
CITI BANK, MIS
10.2004 - 07.2006
NEGOTIATION SKILLS AT CITI GROUP - undefined
MARKETING AND PRODUCT DEVELOPMENT AT ARAB BANK COMPLIANCE TRAINING CITI GROUP - undefined
OPERATIONAL RISK MANAGEMENT - undefined
ANTI-MONEY LAUNDRY SYSTEM - undefined
FINANCE FOR NON-FINANCE PROFESSIONALS - undefined
BANKING LAWS RELATED TO THE CBE AT EGYPTIAN BANKING INSTITUTE - undefined
BEST SERVICE BRANCH AWARD - PLATINUM
BANKING LAW FOR RETAIL BANKERS - undefined
TIME MANAGEMENT: DEVELOPING A TIME MANAGEMENT PLANE - undefined
E-MAIL ETIQUETTE: E-MAIL IN THE WORKPLACE - undefined
PCI COMPLIANCE - SEP 2014 MICROSOFT EXCEL 2003: PROFESSIONAL USER - undefined
BASIC FIRST AID CERTIFICATE - NOV 2010 & RENEWED 2014 TILL 2017 INFORMATION SECURITY AWARENESS - undefined
CERTIFIED BANCA ASSURANCE - APR 2019 CISI FUNDAMENTALS - MAR 2019 BANK BRANCH MANAGEMENT - undefined
BANK ASSURANCE AND INSURANCE COURSE AT ALLIANZ EGYPT - NOV. 2006 FOR 40 HOURS - undefined
LEAN SIX SIGMA - undefined
6 University
Bachelor Degree - Information System, Computer Science
Information Systems Analyst
MIS