Karim Reda
Head Of Credit Risk
Cairo
Summary
Accomplished professional with over 15 years of experience in risk management, credit analysis, and security operations. Currently Heading Credit Risk at Bokra Ventures, leading credit policies, risk frameworks, and innovative financing models across diverse sectors. Previously held leadership roles in credit risk management, loan underwriting, and collection & recovery strategies, with a strong foundation in national security and advanced analytical skills. Known for driving growth through risk-informed strategies and operational excellence.
Overview
16
16
years of professional experience
4032
4032
years of post-secondary education
3
3
Languages
Work History
Head Of Risk
Orion Consumer Finance
05.2025 - Current
- Led the development and implementation of the enterprise-wide risk management framework, covering credit, operational, market, compliance, and strategic risks for consumer finance products.
- Designed credit policies, risk appetite limits, and approval processes to ensure prudent lending practices and regulatory compliance.
- Oversaw credit scoring models, portfolio analytics, and risk monitoring tools to optimize loan origination and reduce default rates.
- Directed risk assessments for new products, digital channels, and fintech partnerships, ensuring alignment with regulatory and business objectives.
- Managed collection strategies, portfolio segmentation, and early warning systems to reduce delinquency rates and improve recovery performance.
- Prepared and presented comprehensive risk reports and strategic recommendations to the Board of Directors, enabling informed decision-making and proactive risk management.
Head of Credit Risk
Bokra Ventures
10.2024 - 04.2025
- Reporting to managing director
- Responsible for identifying, evaluating, and managing the credit risks that the company may face providing credit to certain customers
- Identify and analyze potential credit risks affecting the organization
- Develop risk assessment models and perform regular risk evaluations
- Design and implement credit risk management strategies and action plans
- Monitor the effectiveness of risk management strategies and adjust as needed
- Develop and update credit risk management policies and procedures
- Ensure compliance with regulations, and legal requirements
- Maintain accurate records of credit risk assessments and mitigation plans
- Create comprehensive risk reports that highlight areas of concern and potential impact
Credit Analysis & Digital Lending Director
Contact Financial Holding
12.2022 - 08.2024
- Lead a team of data analysts to build reporting infrastructure for loan and collection reporting
- Manage assigned portfolios of credit facilities/ loans
- Building personalized cross-selling programs using data analytics to determine suitable customers for each program based on buying and loan behaviour
- Leading and managing credit scoring investigation team (I-score) to investigate previous client's credit facility behaviour
- Building a credit scoring model to determine eligibility, amount and type of facility given to client
- Working with partners on analyzing behavioral data to enhance the credit scoring model
- Working with credit investigation team and partners to identify, determine and engage different risks associated with each customer segment across different types of lending
- Assisting lending as a service committee by: Provide insights on customer behaviour towards lending
- Analyze and present data to show case the recent behaviour of clients for each lending product
- Provide recommendations on road maps to avoid and avert different risks associated with lending across all products
- Help partners monetize data through continuous analysis of customer's lending, collection, closure and settlement of loans across different financial loan products
Regional Credit and Risk Manager
Contact Financial Holding
09.2019 - 11.2022
- Analyze current risks and identifying potential risks
- Oversee the loans underwriting in various regions and define appropriate loan work-out strategies that reduce the holding's credit risk
- Approve different requests after reviewing the case and take necessary decisions
- Supervise the day-to-day operation of the credit managers and their subordinates
- Support the creation of the new products by assessing the risk in accordance with the group strategy and update all the relevant credit strategies to accommodate them
- Supervise the collection team to maintain the best collection strategies and outcome
- Implementation of various forms of loan recovery strategies
- Perform random quality checks to review employee interactions with the customers to ensure all policies and regulations are being implemented
- Creation of process improvement strategy to identify gap in collections areas of the collection process
- Closely interact with company stakeholders for resolution of non-performing loans
Police Officer
National Security Sector
08.2015 - 08.2019
- Develop and maintain security contacts with key government sectors and other security agencies in Egypt to remain abreast of security developments
- Liaise with foreign embassies for security subject matter
- Collect, evaluate, analyze data and information, coordinating with other agencies to exchange information on suspicious people in regard to national security and counter-terrorism
- Providing security opinion to decide to grant or deny Egypt Visas to certain applicants based on database information and checking their documents (in case of work and business visas)
- Auditing in foreigners' applicants documents who require residence visa in Egypt, require field investigations to ensure their real intention and their purposes of stay, writing reports with final recommendations to the head-quarter
- Supervise the security team and provide guidance and instructions to ensure work continuity
- Provide daily and weekly reports and conduct assessments when requested by the chief of department
- Maintain routine and confidential correspondence files and documents
- Maintain a database on contact details of equivalent escorts in governmental and non-governmental agencies
Police Officer
Sharm El-Sheikh International Airport
08.2013 - 07.2015
- Supervise security team to inspect, monitor and screen all passengers to make sure that safety is maintained
- Provide enhanced safety to airport employees and to passengers, as well providing training on the passenger's suspicious criteria to the airport staff
- Enforce airport rules and regulations on the air field and within secured areas
- Law enforcement duties including patrol investigation, traffic flow management and control and response to airport emergencies
- Carry out document verification procedures on the arriving passengers and before their departure to detect any possible fraudulent or fake documents, passports or identities
- Provide daily and weekly security reports for any incident received from the team
Police Officer
Giza Police Department
08.2009 - 07.2013
- Note, report and investigate suspicious individuals and situations, safety hazards and unusual or illegal activity in patrol area
- Evaluate compliant and emergency request information to determine response requirements
- Provide for public safety by maintaining order, responding to emergencies, protecting people and property, enforcing criminal laws and promoting good community relations
- Identify pursue and arrest suspects and perpetrators of criminal acts
Education
Master of Business Administration -
Arab Academy for Science, Technology and Maritime Transport
Bachelor of Law And Bachelor of Police -
Police Academy
07-2009
Skills
Loan recommendations
Customer Relations
Credit validations
Communication skills
Decision making
Conflict resolution
Leadership
Teamwork
Training
- SME's practitioner level 1 - credit course, Frankfurt school of finance & management and Egyptian banking institute, July 2025
- Professional Certificate in Risk Management , EIOD (FRA) Jan 2024
- Generative AI in Finance, CFTE (London) and Egyptian banking institute, June 2024
- Fintech and Financial Inclusion Professional Certificate, Universita degli Studi Guglielmo Marconi (Italy), Feb 2023
- Data Analysis Diploma, Epsilon AI Institute, November 2023
- Fintech Saudi Sessions, 2023
- National security sector (NSS) advanced training course
- UNHCR workshop
- Police offices personal safety procedures course
Timeline
Head Of Risk
Orion Consumer Finance
05.2025 - Current
Head of Credit Risk
Bokra Ventures
10.2024 - 04.2025
Credit Analysis & Digital Lending Director
Contact Financial Holding
12.2022 - 08.2024
Regional Credit and Risk Manager
Contact Financial Holding
09.2019 - 11.2022
Police Officer
National Security Sector
08.2015 - 08.2019
Police Officer
Sharm El-Sheikh International Airport
08.2013 - 07.2015
Police Officer
Giza Police Department
08.2009 - 07.2013
Master of Business Administration -
Arab Academy for Science, Technology and Maritime Transport
Bachelor of Law And Bachelor of Police -
Police Academy
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