Ahmed Abbas

Results-driven Credit Risk, Operations, and Portfolio Management professional with over 12 years of hands-on experience spanning microfinance, consumer finance, banking collections, and installment-credit services. Proven expertise in customer verification, creditworthiness assessment, commercial and retail credit portfolio monitoring, delinquency management, branch audits, internal controls, and cross-functional team supervision. Recently advanced credentials by completing the Regional Credit Risk Officer Program at the Financial Services Institute (FSI), the training arm of the Financial Regulatory Authority (FRA).

Currently studying the Professional Master’s Degree in Risk and Crisis Management at Cairo University to bridge field experience with advanced quantitative risk frameworks, enterprise risk management (ERM), and strategic decision-making. Positioned to transition and add immediate value in Commercial Credit Risk, Corporate Credit, and Operational Risk roles across banking, real estate, supply chain, and major corporate sectors.

Collections Specialist at Sanda Microfinance (2025-01 – 2025-12)

• Managed assigned customer accounts, monitored scheduled repayments, overdue installments, and delinquent cases in strict alignment with internal credit and collection procedures.
• Analyzed customer payment behavior, documented collection actions, and systematically escalated high-risk or difficult delinquent cases to mitigate portfolio losses.
• Maintained accurate, up-to-date portfolio records to support overall asset quality and ensure disciplined, proactive account follow-up.

Area Editor - Audit Department at Tasaheel Microfinance (2024-02 – 2024-04)

• Conducted rigorous on-site audits of microfinance branches across the assigned region, reviewing branch operations, workflow integrity, and compliance with institutional policies.
• Examined financing files, branch cash and vault controls, collection activities, and supporting legal and financial documentation.
• Identified procedural deviations and internal-control gaps, documented findings clearly, and escalated critical issues through the Audit Department for corrective action.
• Assessed branch-level adherence to credit, collection, operational, and documentation requirements.

Investigation & Collections Officer at Tanmeyah Microfinance (2022-10 – 2024-01)

• Performed detailed field investigations for financing applicants, verifying residential status, business activity, financial statements, and general customer credibility.
• Identified discrepancies, inconsistencies, and underlying credit risks, compiling comprehensive investigation reports to support informed credit approval decisions.
• Managed follow-up on customer repayments, tracked overdue accounts, and executed recovery operations in accordance with company compliance standards.

Digital Finance Field Team Leader at Fawry Microfinance (2022-03 – 2022-05)

• Supervised a specialized field team supporting digital microfinance operations, coordinating daily field assignments and operational tasks.
• Monitored execution quality, customer verification workflows, field productivity, and strict adherence to approved regulatory and company procedures.
• Guided team members in resolving field and customer issues, maintaining seamless operational follow-up and reporting.

Banking Collections Supervisor at Sama Al-Wasl International Collection Services (2021-10 – 2022-01)

• Supervised a 7-member team handling bank collection portfolios across telephone and field collection channels.
• Distributed customer portfolios, tracked daily collection metrics, and followed up on payment commitments, overdue cases, and high-risk accounts.
• Ensured all collection activities were fully documented and executed in compliance with banking standards and internal regulations.

Development Supervisor - Investigation & Collections at UNIONAIRE Group (2019-12 – 2020-12)

• Supervised and supported the development of investigation and collection activities, optimizing operational workflows and day-to-day practices.
• Standardized investigation, documentation, customer follow-up, and collection workflows, providing active staff guidance on approved company protocols.
• Monitored implementation quality, identified operational bottlenecks, and improved coordination between field investigation and collection units.

Customer Relations Officer at Basata for SME Finance (2019-08 – 2019-10)

• Prospected for small-business clients, promoted financing products, explained financing structures, and facilitated customer acquisition.
• Conducted thorough field investigations and evaluated financial data to verify customer identity, business viability, and repayment capacity.
• Prepared credit application files and managed clients post-disbursal, overseeing installment tracking and portfolio collection.

Founder & Owner - Credit Investigation & Collections at Self-Employed (2017-09 – 2019-07)

• Founded and managed a registered business providing outsourced customer investigation and collection services to local merchants handling installment sales.
• Managed a professional team conducting field verification of prospective buyers and delivering credit risk reports to support installment sales decisions.
• Supervised installment recovery and delinquent account follow-up on behalf of clients.

Investigation Representative - Investigation Management at B.TECH (2011-09 – 2017-08)

• Conducted thorough field investigations for prospective retail finance customers, verifying employment, residence, business operations, and credit standing.
• Evaluated applicants' financial and social credibility, detected inconsistencies, and prepared detailed credit risk reports.
• Provided actionable recommendations to support credit approval committees while maintaining complete case documentation.

Follow-up Officer at Egyptian Food Bank (2009-10 – 2010-10)

• Monitored development projects and evaluated field implementation quality with partner organizations.
• Investigated operational complaints, tracked project milestones, and submitted progress reports to management.

Professional Master's Degree in Risk and Crisis Management – Cairo University - Graduate Studies (2026 – 2028)

Bachelor's Degree in Social Work – Higher Institute of Social Work, Cairo (2009 – 2009)