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Asma Ben Mechri, Senior Credit Officer

Asma Ben Mechri

Senior Credit Officer·Confidential

Qatar

Master's degree, international commerce

Work experience

Total years of experience: 18 years, 5 months

Senior Credit Officer

January 2021 - Present

Confidential

Doha, Qatar

January 2021 - Present

• Explained the features and benefits of different credit card products including limit
upgrade, linking cards, loyalty programs, welcoming points and worldwide benefits
such as lounge airports access.
• Evaluated credit card applications, adhering to credit card risk management
guidelines.
• Verified customers information accuracy and ensured that application data is
complete and meets established standards and compliance.
• Reviewed credit histories, limits, terms, account status, income and processed all
credit cards approavals, declines or adjustments to credit limits.
• Analyzed and handled all incoming disputes timely, professionally; following all
regulatory and internal requirements and maintaining service excellence to all
customers.
• Received positive feedbacks, consecutive appraisals from customers, colleagues and
managers

Company industry:
Banking
Job role:
Accounting and Auditing

Senior Direct Sales Agent

January 2015 - January 2021

Confidential

Doha, Qatar

January 2015 - January 2021

• Represented all banking products and services effectively and tailored to their needs
• Explained banking products features and details such as credit cards and insurance
benefits including joining points, benefits to increase revenue and profit goals.
• Identified, contacted potential new clients, set, collaborated and attended
appointments.
• Supported directly and daily in establishing and maintaining strong professional
relationships internally and externally.
• Received positive feedback from customers and created repeat business by
developing long-term relationships with customers.

Company industry:
Banking
Job role:
Sales

Direct Sales Agent

January 2011 - January 2015

Tunis International Bank

Sousse, Tunisia

January 2011 - January 2015

• Effectively represented all banking services and products to exciting and new to bank
customers aiming to increase bank market share.
• Ensured that all customers are fully aware of the features, applicable fees, terms and
conditions of the product they are applying for.
• Advised clients in selecting the most appropriate product that best meet their
specifications, ensuring high level standards and satisfaction is optimized in every
interaction.
• Managed client interactions including reviewing client information and applications
while maintaining accuracy and compliance with bank policies.
• Managed, pursued new business opportunities and expanded the relationships with
existing banking clients and bringing new partnerships for growth and continuity.
• Maintained, built and strengthened existing and new relationships with all the bank
clients.

Company industry:
Banking
Job role:
Sales

Credit Officer

January 2008 - January 2011

Attijari Bank

Sousse, Tunisia

January 2008 - January 2011

• Explained and represented effectively card payment methods, redeeming of reward
points including welcoming points, limit upgrade and any dispute resolution.
• Reviewed credit histories, income and other financial data to assess applicant
creditworthiness.
• Addressed customer inquiries regarding credit limits, terms, and account status,
resolving issues efficiently and professionally.
• Processed inbound sales lead calls with a high close rate, providing word class
customer service.
• Analyzed credit card applications and adhered to credit card risk management
guidelines.
• Generated regular reports on application volumes, approval rates, credit card
portfolio performance and risk trends for management review.

Company industry:
Banking
Job role:
Accounting and Auditing

Education

Faculty of economics and management sciences

January 2012

January 2012

Master's degree, international commerce

Tunisia

FSEG Sousse

June 2011

June 2011

Bachelor's degree, Banking finance and international commerce

Tunisia

Ahmed Amara High School

June 2008

June 2008

High school or equivalent, Mathematics

Tunisia