Debt Capital Markets — Sukuk & Securitization Operations at Contact Holding (2025-09 – Present)
- Handle day-to-day operations for Sukuk and Securitization issuances, including investments in Treasury Bills and time deposits, cash flows, settlements, and related transactions.
- Execute and follow up on daily Early Injection and Injection transactions and related fund transfers for Sukuk issuances.
- Follow up on Sukuk installment repayments, ensuring timely settlement in line with maturity dates.
- Prepare and calculate Sukuk coupons, including actual month-end calculations and projected calculations at the start of the following month.
- Prepare and calculate Securitization coupons in accordance with the terms and calculation methodology of each issuance.
- Follow up on coupon payments and scheduled maturities for Sukuk and Securitization issuances, ensuring accurate and timely settlement.
- Prepare and follow up on performance reports for Sukuk and Securitization issuances.
- Prepare monthly Present Value (PV) calculations and projections for Sukuk issuances.
- Calculate monthly fees and commissions related to Sukuk and Securitization issuances and follow up on related settlements.
- Follow up on insurance policy payments related to Sukuk issuances and execute the required fund transfers.
- Manage Default Service Accounts, including balance reductions and related ratios in accordance with each issuance's requirements.
- Prepare Securitized Assets Quality Reports and coordinate the required information with the Financial Regulatory Authority (FRA), bondholders, bondholders' representatives, and credit rating agencies.
- Prepare and submit regulatory reports related to Sukuk and Securitization issuances to the FRA.
- Prepare and follow up on cash flow reports for Sukuk and Securitization issuances.
- Perform daily reconciliations of issuance-related transactions, ensuring the accuracy of movements, settlements, and outstanding balances.
- Record and review accounting transactions related to the company and to Sukuk and Securitization issuances.
- Record and handle investments, bank deposits, Treasury Bills, fund transfers, and issuance-related settlements.
- Record and review company expenses and expenses attributable to Sukuk issuances.
- Prepare and review account reconciliations related to issuances, ensuring the accuracy of accounting balances.
- Prepare and review the Trial Balance, including analysis of account balances and movements.
- Assist in preparing and reviewing the company's financial statements.
- Handle accounts, expenses, accruals, and other financial obligations, ensuring accurate accounting recognition and classification.
- Coordinate with the Internal Controller and Internal Audit teams regarding accounting transactions, reconciliations, and supporting schedules.
- Coordinate with the External Auditor, providing required financial data, supporting documentation, reconciliations, and analysis.
- Support the preparation of financial and regulatory reports, ensuring the accuracy and consistency of reported financial information.
Senior Accountant at Misr for Sukuk (a member of Banque Misr Group) (2023-09 – 2025-09)
- Monitor the company's bank liquidity and resolve issues with partner banks.
- Compile monthly bank statements.
- Prepare journal entries, financial statements, and asset adjustment entries.
- Ensure the accuracy of financial information and review financial statements.
- Review key balance sheet items and the General Ledger.
- Manage the company's treasury and perform daily reconciliations.
- Prepare complete sets of financial statements with related notes.
- Prepare tax forms, including income tax returns, deduction forms, and addition forms.
- Work proficiently with the electronic invoice (e-invoice) system.
- Maintain a professional and positive relationship with clients.
- Ensure the preparation and submission of accurate monthly reports to the relevant authorities, reflecting the company's financial and operational status.
- Invest surplus cash in Treasury Bills or term deposits, negotiating rates in line with the Central Bank of Egypt's declared interest rates.
- Provide investors with accurate and comprehensive monthly reports, reinforcing transparency and confidence in the company's performance and strategy.
Senior Accountant at El Taamir Securitization (2022-03 – 2023-09)
- Assist with the documentation and undertakings required by regulatory authorities, including the Financial Regulatory Authority (FRA), the Egyptian Exchange (EGX), and Misr for Central Clearing, Depository and Registry (MCDR).
- Prepare and calculate Securitization coupons in accordance with the terms and calculation methodology of each issuance.
- Manage the securitization portfolios assigned to the company and follow up daily on securitization accounts held with custodian banks.
- Invest surplus cash receipts in Treasury Bills or term deposits, negotiating rates until reaching the interest rate declared by the Central Bank of Egypt.
- Prepare disbursement forms for due coupons and submit them to the relevant authorities, including MCDR, EGX, and the FRA.
- Prepare required reports for the credit rating agency (Meris) and for senior management.
- Prepare status reports on outstanding issues, shortages, arrears, and the legal procedures followed.
- Post daily journal entries for each portfolio separately from the company's accounts to maintain clarity in the financial statements.
- Monitor the company's bank liquidity and resolve issues with partner banks.
- Compile monthly bank statements.
- Prepare journal entries and financial statements and assist in adjustment entries.
- Prepare complete sets of financial statements with related notes.
- Review key balance sheet items and the General Ledger.
- Ensure the accuracy of financial information and review financial statements.
- Maintain a professional and positive relationship with clients.
Accountant at Hospital (NICU Department) (2017-03 – 2020-07)
- Prepare journal entries and financial statements and assist in adjustment entries.
- Prepare and process electronic invoices (e-invoices).
- Analyze all invoices sent and received through the portal.
- Build long-lasting client relationships by understanding their needs and supporting business development.
