Ghaiad فرح

• Lead the development and implementation of risk management policies to ensure effective
mitigation of credit risks.
• Conduct comprehensive stress tests and scenario testing for the credit portfolio, calculating
impacts on capital adequacy and provisions.
• Provide strategic support in evaluating and enhancing risk management frameworks.
• Oversee the preparation of reports for senior management and regulatory bodies, ensuring
compliance and transparency in risk management practices.

• Monitored and reviewed credit risk policies, assessing their alignment with organizational
goals and external regulations.
• Led the IFRS 9 adoption project, collaborating with various departments and external
consultants.
• Managed the assessment and communication of credit risk decisions to key stakeholders,
including senior management and regulatory bodies.
• Conducted detailed analyses of credit portfolios and customer financial histories, ensuring
informed decision-making regarding loan approvals.

• Evaluated and assessed customer financial profiles to determine loan eligibility, minimizing
risk exposure.
• Regularly audited credit operations to ensure compliance with established policies.
• Managed day-to-day credit risk reporting, identifying significant deviations and breaches in
credit limits.