Marwa Mohsen Ahmed
Deputy Director Of SMEs Risk
Cairo
Summary
I leadership and skills have leading to the ability to manage a diversified portfolio in the activities of small and medium enterprises and large companies amounting to about 2.5 billion EGP, consistent with the standard and credit policy of the bank.
Overview
17
17
years of professional experience
7
7
years of post-secondary education
2
2
Languages
Work History
Deputy Directori
National Bank Of Egypt
Cairo
02.2024 - Current
- Oversee credit risk assessment processes, including the credit scoring models, financial analysis, and loan approval guidelines for SMEs
- Work directly with management and to identify, assess, and mitigate emerging risks that could impact the bank’s SME portfolio
- Ensure compliance with local and regulatory standards, including Basel III and IFRS, for all SME credit operations
- Drive strategic decision-making by preparing detailed risk reports, presenting findings to portfolio management strategies
- Develop and manage credit risk policies, ensuring i align with overall business objectives and risk appetite
- Increase the percentage of the portfolio by about 1% set by management, in proportion to the nature of activities
Credit Risk Analyst
Nation Bank of Egypt
Cairo, Cairo Governorate
10.2018 - 02.2024
- Assess the financial, operational, and market risks associated with companies
- Develop frameworks and tools for identifying potential risks, including credit risk, market risk, operational risk
- Conduct risk assessments of SMEs that may apply for loans, grants, or other financial products
- Responsible for managing a portfolio amounting to EGP 2.5 billion
- Ensure that policies are compliant with regulations and effectively minimize exposure to risk
- Develop and implement strategies to mitigate risk for SMEs
- Evaluation not covered by companies within the portfolio
- Provide regular risk reports to management and the board of directors.
- Track and assess changes in the companies , including shifts in economic conditions or regulatory changes, to adjust risk strategies
- Identified potential risks by analyzing trends in industry-specific data and market fluctuations
Operations Specialist
National Bank Of Egypt
Cairo, Cairo Governorate
12.2010 - 09.2018
- Analyzed data to identify trends and make informed decisions, driving continuous improvement in operations.
- Collected, arranged, and input information into database system.
- Improved operational efficiency by streamlining processes and implementing new systems.
- Designed and executed targeted employee development programs to build key skills and improve retention rates.
Bank Employee- Update Data and Open Account
National Bank Of Egypt
Cairo, Cairo Governorate
05.2009 - 11.2017
- Follow up with bank branches to direct customers to update data
- Reviewing files received from branches to work on updating customer data in the bank’s systems
- Preparing a report for senior management regarding what has been accomplished in updating the customer database
Tele Sales Agent
Bank Audi
Cairo, Cairo Governorate
12.2007 - 12.2008
- Enhanced initiatives while managing effective marketing campaigns.
- Prepared quotes for new products and services and composed budgets.
- Performed customer needs assessments and coordinated resolutions with supply chain and quality teams.
- Increased operational efficiency by developing improved filing systems for confidential client records and reports.
- Negotiated manufacturing service agreements and quality standards.
Education
MBA - Banking And Financial Seciences
The Arab Academy For Management
Cairo, Egypt 07.2020 - 07.2022
Credit Certificate - Credit Course
Egyptian Banking Institute
Cairo 12.2014 - 10.2015
High School Diploma -
Ain Shams University
Cairo, Egypt 09.2012 - 09.2013
Bachelor of Commerce - Accounting
Cairo University
Cairo, Egypt 11.2003 - 05.2007
Skills
credit Risk Strategy & Governance
Communication skills and Negotiation skills
Portfolio & Credit Risk Management
SME Credit Risk Assessment
Financial Modeling & Stress Testing
Regulatory Compliance (eg, Basel III, IFRS, local regulations)
Risk Policy Development & Implementation
Data Analytics & Risk Reporting & Credit Scoring Systems & Tools
Leadership Team Management
Loan Structuring & Underwriting
Organizational development
Additional Information
Techincal Skills
- Risk Management Software: [Software Name(s)]
- Microsoft : Word ,Excel, powerpoint
- Credit Scoring Systems
- Data Analysis & Reporting
Languages
- Arabic :Native
- English: Good
Timeline
Deputy Directori
National Bank Of Egypt
02.2024 - Current
MBA - Banking And Financial Seciences
The Arab Academy For Management
07.2020 - 07.2022
Credit Risk Analyst
Nation Bank of Egypt
10.2018 - 02.2024
Credit Certificate - Credit Course
Egyptian Banking Institute
12.2014 - 10.2015
High School Diploma -
Ain Shams University
09.2012 - 09.2013
Operations Specialist
National Bank Of Egypt
12.2010 - 09.2018
Bank Employee- Update Data and Open Account
National Bank Of Egypt
05.2009 - 11.2017
Tele Sales Agent
Bank Audi
12.2007 - 12.2008
Bachelor of Commerce - Accounting
Cairo University
11.2003 - 05.2007