Mohammed Nissal

Experience

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  HSBC

  Sept 2005 - Sept 2016

  Business Banking/SME Credit Risk Management; Manager

  Managed Corporate Credit Portfolio (including SMEs) providing risk measures while identifying risk related issues, negotiating and taking proactive and appropriate risk strategies to mitigate risk and loan losses. Significant Accomplishments: Portfolio Management; Managed corporate credit risk portfolio’s focusing on financial analysis, stability, capitalization, liquidity and cash flow to early detect changes in credit behavior with ad-hoc reports.  Created internal Corporate Worry Watch Lists to identify high risk credits and establish early risk mitigation. Risk analysis to detect red flags and fraud while managing and mitigating risk, improving efficiencies and reducing potential defaults and loan losses. Consistently assessed the Strengths, Weaknesses, Opportunities and Threats within the portfolio. Implemented risk assessment analysis with scoring models. Managed several distressed dealer situations establishing Re-settlement Plans. Monitored the approval process for all credit proposals and ensure adherence to internal credit process.  Monitored facility exceptions and ensuring proper approvals, authorizations, and due settlements are in place, and proactive alert for any required provisions. Achieved adherence to all relevant procedures/processes, and timely implementation of internal and external audit points, including issues raised by external regulators; and implementation of Group Compliance policy. Continuous assessment of operational risks associate with the role and inherent in the business, taking account of changing economic and market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and impact of new technology. Show less

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  Absolute Financial Advisors

  Nov 2019 - Jan 2020

  Quality Assurance Credit Risk Manager
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  Fawry Microfinance

  Nov 2020 - Dec 2021

  Head Of Risk Management
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  Thiqa for Microfinance

  Dec 2021 - now

  Head Of Risk Management
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  Basata Microfinance

  Jan 2023 - now

  Head of Risk Management