Heading the Consumer Finance | BNPL
BTECH
Total years of experience :19 years, 7 Months
Heading the E2E BNPL Business:
1- Sales & Instalment income.
2- Credit.
3- Collection.
4- Risk & Compliance.
5- Business Development.
Risk & Compliance Management in the financial institutions
Head of Credit, Risk & Compliance.
Market & Liquidity Risk Division - Assistant Manager
(CMRM; Certified Manager in Risk Management)
1. Interest Rate Risk.
- Prepare Interest Rate Risk policy & manual.
- Identify measure, monitor and control Interest Rate Risk.
- Monthly interest rate Duration gap, EVE, DoE & Earning at risk in addition to structure product evaluation.
- Interest rate stress testing scenarios.
- VaR Modelling in both methods of Historical simulation & Variance-Covariance "Parametric" for the IR exposure.
- Building a daily Yield Curve through Nelson Seagull Model.
- Set, monitor and control interest rates risk limits set by bank and by regulator and Report any breaches to ALCO.
2. Liquidity Risk Analysis.
- Prepare liquidity policy & manual and liquidity contingency plan.
- Identify, measuring, monitoring and controlling liquidity risk
- Liquidity gap & liquidity ratio & LCR & NSF & concentration study.
- Set, monitor and control liquidity risk limits set by bank and by regulator and Report any breaches to ALCO.
- Liquidity stress testing scenarios.
- Design effective process and procedures for the validation of market risk and ALM models
- Validate market risk measurement models including the stress-testing of these models.
- Design models and benchmarks to enhance the model validation process.
3. Market Risk (Trading Book Risk)
- Review and develop of New Products, Investment & Trading Proposals, Market Risk Policies and Treasury Limits.
- Measure and manage (foreign exchange risk & equities risk).
- VAR Modelling for trading portfolios in both methods of Historical simulation & Variance-Covariance "Parametric" for the IR exposure,
- Trading stress testing scenarios.
- Monitoring the treasury limits with counterparties & countries.
- Duration monitoring for Asset products.
4. Special tasks (ICAAP & ALCO)
- Market risk participant in the ICAAP annual report in both Quantitative assessment part (Market Risk, IRRBB, and Liquidity) & Qualitative assessment part (Credit Risk, Market Risk, Operational Risk, Concentration Risk, IRRBB, Settlement Risk, Liquidity Risk, Strategy Risk, Reputational Risk) for the year of 2016 up on CBE request.
- Managing all ALCO concerns, topics to be discussed, minutes & following recommendations.
Retail Credit Risk Dept. - Section Head
- First Approval Authority step for all Retail Loans
- Approve loans within specified limits, and refer loan applications outside those limits to top management for approval “exception”.
- Ensure that all Retail Loans as per approved documents, procedures & documents.
- sets the standards of the credit requests "CR"
- Making daily MIS for the approved and declined cases.
Retail Banking Division
1- Product Development Dept.
- One of two members who were responsible to establish payment cards products / (Redesigning the Existing).
- Assisting the retail product head in preparing the terms and conditions for the bank asset products.
- Assisted in increasing the cards portfolio through the acquisition channels (Bank Branches, direct/indirect sales) to achieve highest penetration in the market.
- Take responsibility for the smooth and effective running of EGB Bank's Credit Cards Operations department, including issuing, settlement, approvals and applications.
- Maintain and improve the quality of cards distribution through the branches.
2- M.I.S Dept.
- Established a new M.I.S program monitoring loan cases work flow.
- Reporting periodically to the Retail Banking Deputy Head an executive summary concerned with the team activity and progress, Target fulfillment & Teams performance.
- Develops and implements process and procedures to improve operational efficiency.
3- Special Retail Projects Participation
- Established the Scoring System for the Retail Clients.
- One of three members who were responsible to re-engineer the Retail Banking Division, “Structure, Dept. Job Description, & enhancing Work Flow” Manual”.
Service Points Supervisor (Commercial Dept.):
1- Supervises all Service Center staff.
2- Reviewing all CSV, GEMA, EasyShip activities.(Handling Customers inquiries, pick up orders, tracing shipments, printing Shipment Air Waybills).
3- Meets and exceeds operational standards.
4- Collaborating with other members of the management to develop new modified operational methods.
5- Delegating work and workload planning;
6- Review customer complaints and deduce a corrective action reaching to customer satisfaction and eliminating operator’s error or system deficiency reaching to stellar service.
7- Delegates customer service issues to Customer Solutions Specialist