Mohamed Abdel-kader
Maadi,Cairo
Summary
Dynamic and seasoned Senior Specialist Banker with a robust 6-year tenure at Banque Misr, specializing in credit approval, credit card services, and internal auditing. Proficient as a Credit Approval Officer with an exceptional track record in evaluating financial risks and sanctioning credit based on rigorous analyses. As a Senior Credit Card Specialist, I have spearheaded product development and management initiatives, tailoring solutions that align with customer needs and market trends. With a foundation in Internal Audit, my expertise extends to ensuring regulatory compliance and operational integrity, fortifying the bank's fiscal health and customer trust. Renowned for an analytical mindset and keen problem-solving abilities, I leverage my comprehensive knowledge of financial regulations to optimize banking processes and enhance customer satisfaction. Poised for a role that demands strategic foresight and dedication.
Overview
7
7
years of professional experience
Work History
Internal Audit Specialist - Credit Card Operations
Banque Misr
Down Town
02.2022 - Current
- Develop and execute a risk-based audit plan for credit card operations and issuance, including setting objectives, scope, and timeline.
- Assess compliance with relevant laws, regulations, and company policies regarding credit card issuance and operations.
- Verify adherence to network operating regulations (e.g., Visa, MasterCard) and ensure the card programs are in line with these standards.
- Evaluate the efficiency of credit card operational processes
- Analyze the effectiveness of risk controls in place to mitigate credit risk exposure associated with credit card issuance.
- Create detailed audit reports documenting findings, implications, and recommendations for improvements.
- Present audit findings to senior management and relevant committees.
- Conduct follow-up reviews to monitor and ensure that management actions have been effectively implemented.
Credit Card Operations and Issuance Specialist
Banque Misr
Down Town
01.2020 - 02.2022
- Oversee and execute the end-to-end process of credit card issuance, including application processing, credit checks, card embossing, and mailing.
- Ensure compliance with all regulatory requirements and internal policies throughout the card issuance process.
- Troubleshoot and resolve cardholder inquiries and issues related to card issuance, activation, and account maintenance.
- Develop and maintain documentation for all processes related to credit card operations.
- Assist with the implementation of new credit card programs and promotions.
- Participated, tested, reviewed and maintained the new version of the issuing system in Banque Misr.
Loan Officer
Banque Misr
Cairo
04.2018 - 12.2018
- Evaluate creditworthiness and eligibility of loan applicants by processing loan applications, conducting financial analysis, and reviewing financial documents and credit reports.
- Approve loans within specified limits or refer loan applications outside those limits to management for approval.
- Perform thorough risk assessments by analyzing loan requests and evaluating the risks and merits of proposed loans.
- Make reasonable recommendations regarding loan structures and conditions, ensuring they meet lending policy criteria and provide overall benefit for both customer and lender.
- Determine all applicable ratios and metrics and set up debt payment plans.
Customer Care Executive for SMEs
Vodafone Egypt
Maadi
07.2017 - 03.2018
- Serve as the first point of contact for all SME customer inquiries, providing excellence in customer service.
- Understand the distinct needs of SMEs and provide tailored advice and product solutions.
- Manage and handle customer issues and complaints with the aim of ensuring a high level of customer satisfaction.
- Maintain an in-depth understanding of Vodafone’s products and services relevant to SMEs and effectively communicate these to customers.
- Collect feedback from SME clients and work with the relevant departments to improve product offerings and service delivery.
- Keep detailed records of customer interactions, transactions, comments, and complaints.
- Provide reliable, trustworthy customer support by following up on customer queries and ensuring all issues are resolved in a timely and professional manner.
- Participate in training sessions to expand knowledge of industry-specific developments and continuously improve customer care skills.
- Work collaboratively with cross-functional teams to drive customer satisfaction, retention, and long-term relationship building.
Education
C+ - Banking & Finance
Sadat Academy For Management Sciences
Cairo06-2017
Skills
- Credit Analysis & Approval
- Credit Card Product Expertise
- Customer Relationship Management
- Regulatory Compliance
- Financial Advisory
- Team Leadership
- Communication & Interpersonal Skills
- Digital Literacy
Languages
Arabic
First Language
English
Intermediate (B1)
B1
References
References available upon request.
Timeline
Internal Audit Specialist - Credit Card Operations
Banque Misr
02.2022 - Current
Credit Card Operations and Issuance Specialist
Banque Misr
01.2020 - 02.2022
Loan Officer
Banque Misr
04.2018 - 12.2018
Customer Care Executive for SMEs
Vodafone Egypt
07.2017 - 03.2018
C+ - Banking & Finance
Sadat Academy For Management Sciences
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