sadiq almalallah,  Collection and Credit Control Manager

sadiq almalallah

Collection and Credit Control Manager

Future Pipe Industries Co

Lieu
Arabie Saoudite - Province de l'Est
Éducation
Diplôme, Accounting
Expérience
19 years, 10 Mois

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Expériences professionnelles

Total des années d'expérience :19 years, 10 Mois

Collection and Credit Control Manager à Future Pipe Industries Co
  • Arabie Saoudite - Dammam
  • juin 2018 à novembre 2022

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Assistant Manger, Credit Control à Dr. Sulaiman Al-Habib Medical Group
  • Arabie Saoudite - Riyad
  • mai 2017 à juin 2018

 Create the Credit & Collection Policies and Procedures.
 Establish & Manage the Credit & Collection Department.
 Improve billings process & section.
 Enhance collection process and payment follow-up with customers.
 Enhance reconciliation process.
 Prepare and present Credit reports.
 Credit risk review & approval.
 Manage the account receivables.
 Coordinate with Legal department for raising the cases of non- paid customers.
 Cash forecasting.
 Credit review & approval for new contracts.
 Monitor the clients balances.
 Prepare clients memos for overdue payments.
 Manage the bank reconciliation.

Credit Control Supervisor à National Medical Care Company
  • Arabie Saoudite - Riyad
  • mai 2016 à mai 2017

 Restructure Credit & Collection Policies and Procedures.
 Restructure Credit & Collection Department.
 Improve billing and claims process & section.
 Enhance collection process and payment follow-up with customers.
 Enhance reconciliation process.
 Prepare and present Credit reports.
 Credit risk review to analyze the probability of losses due to a borrower’s failure to
make payments or internal process failure.

Personnel Manager à AlMina Group Of Companies
  • Arabie Saoudite - Riyad
  • août 2015 à mai 2016

 Setting & update the Company Policies & Procedures.
 Provide orientation to newly hired employees on the rules and regulations, vision and
mission of the company and complete job details.
 Review and evaluate the performances of the employees in order to determine their
strength and weaknesses.
 Manage the Payroll, Vacation and End of Service processes.
 Manage Annual Plans of: Salary Increments, Staff Vacations, and updating the Job
Descriptions.
 Arrange files and documentation of all employees in the company

Credit Card Operations à Riyad Bank
  • Arabie Saoudite - Riyad
  • juillet 2004 à juillet 2015

 Credit Decision making, reviewing and managing customer credit files (internally and
SIMAH), accept or reject the staff's credit recommendations.
 Draft and review the credit policy and procedures for credit cards.
 Periodic Credit Review analysis for enhancement and control the lending process.
 Credit risk review to analyze the probability of loss due to a borrower’s failure to make
payments.
 Representative in SAMA Credit Card rules and regulations draft.
 Manage the Key Risk Indicator (KRI) Report.
 Review and change the credit scoring model
 Confirm that risk management, control and governance are functioning correctly as
intended by SAMA regulations and Bank policies & procedures
 Develop and implement all the Service Level Agreements (SLA) for Credit Card
Operations.
 Audit Coordinator: gather information, Data, and evidences required by internal /
external / SIMAH and SAMA auditors.
 Responsible for closing all Audit/Risk/SAMA/SIMAH and Compliance exceptions and
recommendations related to Credit Card Operations.
 Representative in implanting the new changes based on the new regulations.
 Manage the operation Losses & Fraud cases for Credit Card Operations.
 Support
 Collection Process
 Assists all the units in Credit Card Operations: New applications/Chargeback/Fraud/
Documentations/Fulfillment/ Processing and Integration.
 Communicate with other units/channels of any outstanding issues.
 Provide presentations/training to the staff (branches & back office) for any new
policy/procedures/ new changes/new card types.
 Managing the Credit Card Operations Dept. Plans & monitoring it.
 Representative in the campaign plans.
 Manage & implement the day-to-day workflow /operations assigned for the Credit Card
Operations department.
 Manage all the tests for CRs (Change Requests) for any development or new changes in
the credit card systems.
 Assist the credit card operations manager to analyze root cause of main staff
weaknesses/problems, and take the optimum solutions.
 Representative in the credit card product planning to ensure that the card integration
process is aligned with the bank’s regulations.
 Manage projects and changes with the external vendors and other departments to
ensure the effective and efficient provision of the service.
 Manage the Credit Card New Applications Department.
 Making the credit decisions for new and existing customers
 Manage the (Telesales Program)
 Representative in the issuance of SME (Small Micro Enterprise) Cards project.
 Representative the Credit Card Application Forms (Required fields/terms &
conditions…).
 Preparing the Incentive reports for the Dep. Staff.
 Representative of Credit Card Operations in the new project for the new process (CDA)
with FICO Company.
 Enhancing, monitoring, controlling and managing end to end process/actions and all
related issues. (Data entry at Branches into Seibel up to Card Activation).
 Enhance the consistency of the credit decision for all the staff.
 Manage the Loyalty Program (Hassad).
 Manage the corporate cards.
 Representative of Credit Card Operations in the new system project (Card Inventory
Management).
 Manage the Credit Card Documentation Department.
 Manage SIMAH Admin users in Riyad Bank.

Accountant à AlShaya Interntional Trading Company
  • Arabie Saoudite - Riyad
  • février 2003 à juin 2004

 Responsible for the reconciliations with bank statements.
 Responsible for preparing the credit payments.
 Ensure payments are made promptly within payment terms of purchases and contracts.
 Review processed checks and other payment documents before they were submitted for
authorized signatories.

Éducation

Diplôme, Accounting
  • à Institute of Public Adminstration
  • février 2002

Langues

Anglais
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Arabe
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