Mohamed Nayel
Credit Policy & Risk Analyst
Cairo
Summary
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 2 years of resolving credit disputes and making recommendations on bad debt accounts.
Overview
6
6
years of professional experience
4
4
years of post-secondary education
2
2
Languages
Work History
Credit Policy & Risk Analyst
Mid Bank For Consumer Finance
Giza
08.2022 - Current
- Evaluating clients’ credit data and Iscore in order to determine the degree of risk involved in lending money to them.
- Preparing reports about the degree of risk in lending money to clients.
- Setting Credit Policy Standards.
- Fraud And AML Analysis for Each Client.
- Making Full Assessment for Adding New Merchants with Assessing Merchant’s CR-Tax Card-External Investigation
Retail Credit Analyst
Emirates NBD Bank
Cairo
09.2021 - 08.2022
- Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them.
- Analyzing client records and using the data to recommend payment plans.
- Preparing reports about the degree of risk in lending money to clients.
- Calling clients to validate their documents and personal information.
Uni Teller
Emirates NBD Bank
Cairo
07.2019 - 09.2021
- Educated customers on use of banking website and mobile apps.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Processed customer transactions promptly, minimizing wait times.
- Identified sales opportunities and referred customers to branch partners in financial services.
Dispatcher
Delivery Hero
Cairo
04.2019 - 07.2019
- Planned, organized, and managed work of subordinate staff to accomplish consistent work within organizational standards.
- Directed dispatching, routing, and tracking of 50 fleet vehicles.
- Closely monitored dispatch board to triage and prioritize over 120 daily calls.
- Maintained updated and detailed records of calls in physical and electronic database.
- Sent out drivers to assist 100 hourly callers based on locations, needs and worker availability.
- Minimized cost of operations by optimizing routes for drivers to align with budget.
- Tracked delivery progress to identify possible delays and provide real-time updates to customers.
Account Advisor
Raya Contact Center
Cairo
08.2018 - 04.2019
- Handled inbound calls to provide callers with product and service information, emphasize product features and benefits and generate quotes.
- Handling customer’s inquiries.
- Handling customer’s complaints.
- Proceed technical steps with the customer when they are facing technical issues.
- Handling customer’s bills and due dates.
Internship
United Bank of Egypt
Cairo
07.2017 - 08.2017
- Operations department: Handling clearing checks & Bank transfers.
- Customer Service Department: Issuing certificate of deposit,receiving and deliver debit cards and open new accounts.
Education
Bachelor of Accountancy - Accounting
Commerce English Section At Cairo University
Egypt 09.2014 - 06.2018
Skills
Risk Management
Credit risk
Data analysis
Credit programs
High risk account reviews
Credit decisions
Verbal and written communication
Attention to Detail
Ethical
MS Office
Teamwork
Time Management
Multitasking
Details Oriented
Timeline
Credit Policy & Risk Analyst
Mid Bank For Consumer Finance
08.2022 - Current
Retail Credit Analyst
Emirates NBD Bank
09.2021 - 08.2022
Uni Teller
Emirates NBD Bank
07.2019 - 09.2021
Dispatcher
Delivery Hero
04.2019 - 07.2019
Account Advisor
Raya Contact Center
08.2018 - 04.2019
Internship
United Bank of Egypt
07.2017 - 08.2017
Bachelor of Accountancy - Accounting
Commerce English Section At Cairo University
09.2014 - 06.2018