Experience

• 

  The martec group

  Jan 2002 - Jan 2007

  Financial manager

  ➤♛ Key achievements :-- Implemented a unique financial reporting system, as a result, increased reporting efficiency by 50%.- Devised an investment strategy, which earned over EGP 790,000 in profits in 2 months.- Successfully administered financial budgets, with required results, between 2002 and 2007.➤ Responsibilities include but are not limited to :-Provide financial reports and interpret financial information to managerial staff while recommending further courses of action.- Advise on investment activities and provide strategies that the company should take- Maintain the financial health of the organization.- Analyze costs, pricing, variable contributions, sales results, and the company’s actual performance compared to the business plans.- Develop trends and projections for the firm’s finances.- Conduct reviews and evaluations for cost-reduction opportunities. Show less

• 

  Many clients

  Jan 2004 - now

  Senior strategic and management consultant

  - Management consultant with 20+ years of experience, 200+ consulting projects successfully executed across Asia, the Middle East, and Africa. - Coaches consulting aspirants to become STAR consultants- Till date, 500+ clients across 40+ countries have been coached, who are now successful consultants in top consulting firms viz. McKinsey, PwC , Central Bank of Egypt, Saudi Central Bank (SAMA), etc. ➤ Consultant in (Risk & Credit and SMEs assessment, Sales Skills, Strategic Management, Communication Skills, Negotiation Tactics, Telemarketing, Restructuring, Marketing, Economics, Training Programs, Governance, Organization Culture, Compliance ) as well as prepared many Gap analysis and restructuring studies with cooperation with IMC. ➤ In 2009, as a strategy consultant, Through strategy consulting and team training, I helped more than 100 clients break through marketing challenges and hit their goals. ▪️Some Clients:- souq.com- almasryalyoum.com- Majid Al Futtaim.- Ezz steel : Increased order volume by 533% over 3 years.➤♛ Key achievements:-- Egypt Post General's restructuring project was completed successfully in 2005, while the Arab Contractors Company General's restructuring project was completed successfully in 2007. -Develop a five-year strategic roadmap to improve sales channels and attract more customers for multiple companies in Saudi Arabia, the UAE, and Kuwait worth USD 200 million.- Save USD 30 million by transforming the supply chain functions of a major UAE-based cosmetics company. -Designed the digital strategy based on Industry 4.0 capabilities for a top pharmaceutical company headquartered in the USA.-Increased the efficiency of Vodafone's online customer service department by almost 40%.-In 2015, as a consultant with the Ministry of Public Business Sector, I discussed the petrochemical sector development plan and submitted proposals for three multimillion-dollar mergers, all of which ended successfully. Show less

• 

  Credit guarantee company s.a.e - شركه ضمان مخاطر الائتمان ش.م.م

  Jan 2007 - Dec 2021

  ➤♛ Key achievements:-- Created a risk monitoring unit at the credit guarantee company(CGC).- Developed and created credit risk management strategies, policies, and procedures for the credit guarantee company's (CGC). - Designed and implemented credit risk criteria and conducted quality control audits to ensure process accuracy, completeness, and timeliness.-Managed the enterprise risk management program and use the results to adopt improved mitigation plans while enhancing a more robust compliance program.➤ Responsibilities include but are not limited to :- Develop risk strategies and guarantee program structures that align with the credit guarantee company's risk.- Conducts risk assessments, collecting and analyzing documentation, statistics, reports, and market trends.- Establishes policies and procedures to identify and address risks in the credit guarantee company's services and departments.- Recommends and implements risk management solutions such as business continuity plans.- Drafts and presents risk reports and proposals to executive leadership and senior staff.- Performing a risk assessment: Analysing current risks and identifying potential risks that are affecting the company.- Establishing the level of risk the company is willing to take.- Reviewing any new major contracts or internal business proposals.- Building risk awareness amongst staff by providing support and training within the company. Show less ➤♛ Key achievements:--Achieved a 400% productivity increase with a new risk-scoring model.-Established new standard operating procedures and corporate policies, led the credit management team in their introduction and produced a 64% decrease in overall credit non-compliance.- Contributed to portfolio growth of EGP 1 billion in 2019 to EGP 2 billion in 2020. ➤ Responsibilities include but are not limited to :- Preparing a manual of credit management procedures.- Supervising the number of 8 branches, reviewing the studies received from them, and making a decision to approve or reject.- Review and evaluate the company's portfolio monthly.- Managing and evaluating the performance of 76 SMEs relationship officers.- Create credit scoring models to predict risks.- Calculate and set guarantee rates.- Monitor the company's policies and portfolios.- Maintain records of credit guarantee applications.- Follow up with banks to manage debt settlements and loan renewals.- Ensure all credit guarantee procedures comply with regulations.- Develop, review, and update our company’s credit policies. Show less ➤♛ Key achievements:-- Reduced turnover time of annual reviews increasing productivity and timeliness of credit decisions by 100% over prior levels.- Developed and implemented a universal Credit Scoring Model utilizing a 10-point risk rating scale to boost risk analysis accuracy resulting in improved loss reserve provisioning.- created a new product "leasing guarantee" with Egyptian Company For Factoring- EGYPT Factors.➤ Responsibilities include but are not limited to :- Managing and Motivating a team consisting of 60 SMEs Relationship Officers (works in 8 branches).- Supervise a team of credit guarantee officers by managing the day-to-day operations, including the assignment of underwriting requests in the appropriate order of priority and the review of credit packages to ensure established work standards and time frames are met.- Manage the development and performance of credit underwriters through training, issue resolution, and performance management.- Ensure timely handling of all applications received at the program.- Ensure daily SME MIS is properly updated. - Conduct an in-depth analysis of the credit including financial analysis, cash flow analysis, evaluation of repayment sources along with an overall credit risk assessment.- Identify credit policy exceptions and incorporate suitably mitigates into the credit package.- Assist credit guarantee junior officers with credit case studies production.- Respond to customer requests in a timely and professional manner.- Ensuring the team target is met monthly and annually. Show less ➤♛ Key achievements :--Managed accounts in excess of EGP 1.5 billion in annual revenue, including lending guaranteed in excess of EGP 10 million.-Managed a team of 5 credit guarantee officers tasked with SMEs outreach, resulting in a 33% in the small business acquisition over the previous year for IMP CGF.➤ Responsibilities include but are not limited to :- Reviewing project proposals to determine whether projects are viable, and helping junior credit guarantee officers develop business plans for new transactions- Answer inquiries concerning loan balances or commercial accounts, penalties, and credit-standing customers.- Visits the customer's factory. - Review credit cases.- Reviewing financial statements and other documents to identify potential risks or opportunities in order to make guarantee decisions- Providing guidance to junior staff in the department on best practices for underwriting loans or other financial products- Reviewing existing loan portfolios to assess risk levels and make recommendations for adjustments to portfolios based on changes in market conditions- Monitoring borrower accounts for delinquencies or other issues that may need to be addressed by staff members in other departments within the Credit Guarantee Company. Show less ➤♛ Key achievements :--Ranked first in credit guarantee volume.-Improved follow-up procedures, which resulted in both an increase in overall credit guarantee volumes and increased loan guarantee production each month by 45% and maintained a consistent 55%.➤ Responsibilities include but are not limited to :- Receiving credit guarantee applications along with supplementary paperwork.- Analyze credit data and financial statements to determine the degree of risk involved. - Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.- Communicate with customers to resolve complaints and verify financial and credit transactions.- Generate financial ratios, using computer programs, to evaluate customers' financial status.- Prepare reports that include the degree of risk involved.- Study credit cases and renew them.- Analyze the financial statements.- Study the financial ratios of the companies. Show less

  • Head of Risk Monitoring Unit / Risk Sector

    Aug 2021 - Dec 2021

  • Assistant Executive Director / Central Credit Management

    Jan 2019 - Aug 2021

  • SMEs Team leader / Small and Medium Enterprises(SMEs Program)

    Feb 2016 - Jan 2019

  • Credit supervisor and Auditor /(IMP CGF)

    Feb 2015 - Feb 2016

  • Senior credit Officer /(IMP CGF)

    Jan 2011 - Feb 2015

  • Credit specialist / Industrial Modernization Program-Credit Guarantee Fund (IMP CGF)

    Jan 2007 - Jan 2011
• 

  Faculty of business, ain shams university

  Sept 2010 - Oct 2018

  Lecturer in management
• 

  Feps - faculty of economics and political sciences at cairo university

  Oct 2010 - now

  Lecturer in economics

  ➤♛ Key accomplishment As an economic consultant within an advisory team dedicated to addressing the Egyptian debt file, I achieved unparalleled success in providing economic advice and submitted a proposal to swap the Egyptian debt with a special processing mechanism within a package of development programs that were negotiated and unleashed the Egyptian debt swap initiative to reduce the inability to save the dollar and the need for the ongoing availability of strategic goods.➤ Some responsibilities, but not limited to:1. Deliver lectures on business administration, macro- and microeconomics, finance and econometrics, monetary policies, inflation, recession, fostering critical thinking, and real-world application.2. Design and refine dynamic course materials, including case studies, simulations, and interactive assignments, ensuring student engagement and relevance.3. Deliver clear and concise explanations of complex economic concepts, tailor communication to diverse audiences, and foster understanding.4. Connect economic theory to global challenges, incorporating real-world examples and diverse perspectives to cultivate well-rounded and informed future economists.5. Actively pursue professional development opportunities through conferences, workshops, and independent research to stay current with the evolving field of economics and refine teaching skills.6. Conduct independent research in economic fields, publishing findings in peer-reviewed journals and presenting at conferences to advance the discipline.7. Build and maintain relationships with industry professionals by inviting guest speakers, organizing field trips, and facilitating internship opportunities for students.8. Integrate international economic perspectives into coursework, fostering a global understanding of economic issues and preparing students for a globalized world. Show less

• 

  Egyptian banking institute

  Feb 2014 - Dec 2021

  Instructor

  ➤ Some responsibilities, but not limited to: 1. Develop impactful learning programs in Risk Management, Negotiation, SME Management, Credit Analysis, Financial Risk, and Financial Reporting.2. Engage diverse learners using interactive lectures, case studies, simulations, and hands-on workshops.3. Stay Ahead of the Curve: Integrate industry trends, regulations, and technological advancements into curricula.4. Sharpen Credit Risk Assessment Skills: Train bankers to confidently evaluate loans, mitigate risks, and optimize portfolio performance.5. Nurture SME-Focused Expertise: Equip professionals with strategies for effectively serving and managing small and medium-sized enterprises.6. Drive Negotiation Mastery: Hone participants' communication and persuasion skills to achieve win-win outcomes in financial transactions.7. Ignite Economic Understanding: Provide clear, concise explanations of economic principles and their impact on financial services.8. Lead Specialized Sessions: Deliver in-depth training on specialized topics like factoring, financial leasing, and portfolio management.9. Collaborate with Industry Experts: Partner with practitioners to ensure training reflects real-world challenges and solutions.10. Contribute to Research & Development: Conduct and share research on emerging trends and best practices in banking education.11. Boosted Trainee Performance: Quantify improvements in participants' knowledge, skills, and loan portfolio performance.12. Enhanced Risk Management: Track reduced credit losses and optimized risk mitigation strategies implemented by trainees.13. Elevated Industry Standards: Contribute to upskilling the Egyptian banking workforce and strengthening the financial sector. Show less

• 

  Faculty of commerce english section cairo university

  Jun 2016 - now

  Lecturer in banking /finance /and investment

  - Teaching two postgraduate courses per semester.- Attend regular conferences, training, and professional development seminars.- Prepare course materials such as syllabi, homework assignments, and handouts.- Deliver lectures to undergraduate and graduate students on topics such as management, MBA, Economics, Marketing ,Finance, Investment and Banking.- Developed, maintained, and taught online courses.- Reviewed books and journal articles for potential publication.- Initiated thought-provoking classroom discussions to help students develop critical thinking skills.- Developed strong ties with alumni to maintain long-term philanthropic support. Show less

• 

  Fayoum university

  Jun 2019 - now

  Lecturer in international marketing

  ➤ Some responsibilities, but not limited to:1. Employ diverse teaching methods in marketing and international marketing (case studies, simulations, guest speakers) for active learning.2. Guide students to analyze complex scenarios and navigate cultural nuances in marketing.3. Provide personalized guidance and support to help students achieve their academic and career goals.4. Offer expertise on market entry strategies, competitor analysis, and cross-cultural communications.5. Equip industry professionals with advanced international marketing skills and knowledge.6. Monitor and understand international trade laws and regulations impacting marketing practices.7. Analyze international marketing strategies and their impact across diverse contexts. Show less

• 

  Hsbc

  Jan 2022 - Dec 2022

  Governance and compliance executive director

  ➤♛ Key achievements :-- Redesigned several enterprise Compliance processes.- Handled field compliance escalation issues promptly and addressed with Field Reps to determine appropriate corrective action.- Supervised, coached, and lead 143 compliance and governance managers of various technical and managerial levels.➤ Responsibilities include but are not limited to :- As the executive director of governance and compliance, I provide governance advice and guidance to the board of directors, ensuring that governance legislation and best practices are taken into account at all times. a guide on legal and constitutional matters, including the application of standing orders and the correct and proper conduct of business and meetings. Arrange and provide brief external legal advice when necessary to ensure efficient and effective resolution of cases.- Overseeing and reviewing the organization's overall governance framework on a regular basis to ensure that it is fit for purpose and provides clear decision-making and supervision.- Advice on board/committee structure and delegation schemes.- Development of performance information and key performance indicators on governance and compliance for the board and executive team- Conduct internal audits, audits, and tests to ensure ongoing compliance. Show less

• 

  The martec group

  Dec 2022 - now

  Regional chief risk officer for africa & middle east

  ➤♛ Key achievements:-1. As a regional chief risk officer, I am in charge of creating new risk policies and programs. By implementing the risk and compliance plan, the Martec firm avoided economic agreements that would have resulted in the firm losing nearly 10% of its market share and $16 million in expected income in East Asian countries during the first six months of 2023.2. Reduced the company's overall risk profile by 20% over the past year.➤ Responsibilities include, but are not limited to:- Chairman of the risk control committee and director of the risk board (Portfolios size: USD 11+B). - Monitored market conditions and made recommendations for strategic changes in business operations based on emerging risks.- Implemented internal controls such as policies, procedures, and training to ensure compliance with laws and regulations.- Created comprehensive risk assessments of the company’s activities, identifying potential risks and mitigation strategies, and monitoring risk levels over time.- Developed a risk management strategy that aligns with the company’s overall business strategy.- Recommended insurance coverage that will adequately protect the organization against potential losses.- Analyzed data and making recommendations regarding new products or services that may pose risks to the company or its consumers. Show less

• 

  Mckinsey & company

  Jan 2023 - Feb 2024

  Economic risk assessment and investment consultant

  As a McKinsey consultant tasked with assessing the feasibility of investment, economic analysis, and risk analysis for several projects, including the Ras Al-Hikma investment project, I prepared and delivered a detailed analytical study that included the economic benefits and risk mitigation strategies for the Ras Al-Hikma project, as well as the best ways and methods for selecting the best risk-free economic investment for this project. Which has been informally announced to date by the chairman of the Egyptian Investment Authority. Show less