Walaa Hassan
Cairo,Egypt
Summary
A professional banker with 24+years of experience, well equipped with professional certificates, hands-on knowledge about risk methodologies & techniques, mainly in the fields of Credit lending, Investment, Finance, Policies, Procedures and Various banking activities products including, Consumer Banking, operations, with a proven imprint in managing said functions, formulating and implementing risk methodologies
Overview
23
23
years of professional experience
19
19
years of post-secondary education
Work History
Board Member
Egyptian Media Production City -EMPC
07.2022 - Current
Board Member
International Touristic Development
07.2020 - Current
Board Member
Middle East Turnaround Investment Limited, METIL
07.2019 - 07.2021
Head of Investment Risk
Banque Misr
07.2018 - Current
- Identify , assessing, and mitigating potential risks, ensuring the long-term success and stability of the BM investment strategies.
- Develop and implement a comprehensive risk management strategy tailored to the unique characteristics of private equity portfolio/fixed income securities
- Identify and evaluate potential risks associated including financial risk, Operational Risk, Investment Risk, Governance and Regulatory risks, Market & Liquidity Risk...etc.
- Conduct rigorous risk assessments on current and prospective investments. Analyze financial data, market trends, and industry outlooks to anticipate potential risks and their impact on the portfolio
- Collaborate with investment teams in conducting the potential acquisitions and investments .
- Assess the risk profiles to ensure that risk considerations are integrated into investment decision-making processes.
- Continuously monitor the performance and risk exposure of the investment portfolios
- Implement risk monitoring frameworks to provide real insights to senior management and investment teams.
- Review the detailed risk reports and presentations for senior management and no stakeholders.
- Communicate complex risk concepts in a clear and concise manner to facilitate informed
- Ensure adherence to risk management policies and regulatory guidelines.
- Develop and recommend risk mitigation strategies and portfolio optimization approaches and Manage the preparing all documentation related to risk assessments and reviews of standard operating procedures based RCSA Questionnaires.
- Lead a team of risk professionals, fostering a culture of collaboration, innovation, and excellence. Mentor and develop team members to enhance their skills and expertise.
Investment Risk Manager
Banque Misr
07.2013 - 07.2018
- Formulate and design the risk management functions pertaining Investment risk management aligned with the bank's overall business strategy and compliance and regulatorsʼ as well guidelines/framework
- Independently analyze BM direct investment portfolio, develop future plans that address the opportunities and/or irregularities and propose appropriate solutions to follow the Bank's approved risk appetite, and presented recommendations to the appropriate authorities
- Participating in reporting to Board Risk Committee, Audit committee, Investment Committee, drafting the CRO letter, and annual reports
- Formulate, review, amend and get the board's approval for all the risk management related policies / guidelines in order to keep the bank's policies & procedures aligned with the market/industry changing circumstances
- Ensure that all the risk functions related to Investment operate efficiently and the bank's investment policies as well as the central bank's regulations are strictly adhered to, keeping the risk exposures remain in compliance to the set parameters
- Contribution in the analysis and assessments for BM contributions in various companies, and present the necessary recommendations/advice to the appropriate authorities; to reach appropriate and adequate decisions.
- Monitor and approve Debt Market structured finance transactions "securitization -Sukuk deals “
- Analyzing BM Direct investment/fixed income securities portfolios in coordination with the related business lines to develop future plans that address the irregularities and propose appropriate solutions to be presented to the top management.
- Assess the commitment of the Direct & fixed income Investment portfolios with the investment Policy concentrations limits.
- Generate the necessary reports to monitor the direct investment portfolios &funds of BM & determine the value at risk.
- Submit periodic reports to committees and the Board of Directors concerning the performance of direct investment, fixed income securities portfolios in those portfolios.
- Submit stress testing reports to the Risk and Investment committees
- Review the investment portfolio impairment and ensure that is matching with CBE & Basel II principles in order to support the finance team at the year ending closure
- Periodically conduct in Conjunction with the concerned line of business and optimization scenario aimed at restructuring our portfolios to cope with pre-set board's risk appetite
- Coach, develop and mentor the investment risk team members in their career in order to develop and support HR in team management and appraisal process
Head of Policy and Procedures - Risk Management
Banque Misr
07.2011 - 07.2013
- Develop and update comprehensives policies and procedures that align with best practices and regulatory requirements for investment and market risk management.
- Establish a robust risk governance framework to ensure proper identification, assessment ,and monitoring of investment and market risks.
- Ensure the updating with relevant financial regulations and guidelines to ensure all risk-related policies and procedures comply with applicable laws and standards.
- Collaborate with the risk management team to conduct thorough risk assessments, identifying potential vulnerabilities and proposing risk mitigation strategies.
- Prepare and present regular risk reports to senior management and stakeholders, highlighting key risk metrics, trends, and recommended actions.
- ensure the Process Optimization by Continuously evaluating and enhancing the risk management processes to improve efficiency and effectiveness, fostering a risk-aware culture within the organization.
- Work closely with various departments, including investment, finance and compliance to ensure seamless integration of risk management policies and procedures.
- Stay ahead of industry trends and developments to anticipate and address emerging investment and market risks effectively.
- Develop crisis management protocols to respond promptly and efficiently to potential risk events or market disruptions.
Head of Post Approval Review - Risk Management
Banque Misr
07.2010 - 07.2011
- Manage a team of credit post approval review analysts whose primary responsibility is auditing the performance of various retail lending application‐processing units to assess processing accuracy and compliance with local and regulatory lending policy and programs
- Review through various sampling techniques the performance accuracy and continuously of credit initiation/ account fulfilment units
- Identify gaps in application processing function and propose
- Train application processing team on credit policies and lending programs corrective action plans.
- Propose credit policy amendments in to ensure optimum portfolio performance
- Participate with the committees who handling the process manuals for the retail products & microfinance
- Follow up microfinance and Sme's products in terms of policies & Procedures and portfolios
- Track monthly deviation limits and ensure adherence to portfolio cap limits
- Contribute the policy team to enhance the microfinance policy.
Assessment Initiation Head - Risk Management
Citi bank
07.2006 - 07.2010
Senior Credit Analyst
Citi bank
07.2004 - 07.2006
Credit Analyst
Citi Bank
07.2000 - 07.2004
Education
High School Diploma -
Ramses College
09.1981 - 07.1995
BA Business - Administration Major Foreign Trade
Helwan University
09.1995 - 07.1999
Corporate Director Certification Program -CDCP -
Egyptian Institute Directors - IFC
12.2021 - 03.2022
Certified Credit Corporate -
Egyptian Banking Institution -EBI
01.2021 - 09.2021
Certified Credit Risk Professional -
Egyptian Banking Institution - EBI
09.2021 - 11.2021
Consumer Credit Course -
Citi Bank
2008 -
Financial Risk Manager - FRM -
Global Association of Risk Professionals
Skills
- Corporate Finance
- Operations
- Policy and Procedures
- Financial Valuation
- Risk Management
- Investment
- Portfolio Management
Extra Courses
- Advanced Mergers & Acquisition Program
- Derivatives
- Corporate Finance & Credit training program
- Risk Management in Financial Institution Courses
- Certified Treasury Professional Course
- Risk Based Audit For Banks & Quality Assurance
- Operations Excellence Program
- Managing Risks in the Financial Markets
- Effective leadership skills
- Public Speaking Operations Excellence Program
Timeline
Board Member
Egyptian Media Production City -EMPC
07.2022 - Current
Corporate Director Certification Program -CDCP -
Egyptian Institute Directors - IFC
12.2021 - 03.2022
Certified Credit Risk Professional -
Egyptian Banking Institution - EBI
09.2021 - 11.2021
Certified Credit Corporate -
Egyptian Banking Institution -EBI
01.2021 - 09.2021
Board Member
International Touristic Development
07.2020 - Current
Board Member
Middle East Turnaround Investment Limited, METIL
07.2019 - 07.2021
Head of Investment Risk
Banque Misr
07.2018 - Current
Investment Risk Manager
Banque Misr
07.2013 - 07.2018
Head of Policy and Procedures - Risk Management
Banque Misr
07.2011 - 07.2013
Head of Post Approval Review - Risk Management
Banque Misr
07.2010 - 07.2011
Assessment Initiation Head - Risk Management
Citi bank
07.2006 - 07.2010
Senior Credit Analyst
Citi bank
07.2004 - 07.2006
Credit Analyst
Citi Bank
07.2000 - 07.2004
BA Business - Administration Major Foreign Trade
Helwan University
09.1995 - 07.1999
High School Diploma -
Ramses College
09.1981 - 07.1995
Consumer Credit Course -
Citi Bank
2008 -
Financial Risk Manager - FRM -
Global Association of Risk Professionals
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