Ibrahim Salah

Credit Risk and Collections professional with solid experience in the banking and financial services sector. Experienced in credit assessment, financial analysis, and debt recovery, with a strong ability to evaluate creditworthiness and manage risk exposure. Skilled in portfolio monitoring, collections strategy, and data analysis using tools such as Power BI. Passionate about supporting sound credit decisions, improving portfolio performance, and maintaining effective client relationships.

1- Senior Collection & Recovery Officer at Premium Card for Financial Services. Aug 2023 - Present

➢ Responsibility and Duties:

• Monitoring accounts to identify overdue payments.
• Finding and contacting debtors to arrange debt payoffs.
• Keeping accurate records and reporting on collection activity.
• Send invoices and SOA to corporate monthly.
• Monitor accounts to identify outstanding debts.
• Investigate historical data for each debt or bill.
• Coordinate with all parties inside and outside the organization to solve all kinds of customer problems.
• Take actions to encourage prompt debt payments.
• Following up on bounced cheques.
• • Preparing monthly Aging debts report.

2- Credit Risk Assessment at Premium Card for Financial Service. Jul 2021 – Aug 2023

➢ Responsibility and Duties:

• Receiving the initial screening process for the client documents; to ensure meeting credit assessment requirements and request any missing documents to complete the initial requirements.
• Assessing a client’s potential to default on loans or other debts by evaluating their financial health, which includes analyzing factors such as income, assets, collateral.
• Evaluating the creditworthiness of individuals seeking credit card or a specific type of personal financing such as home finishing, home furniture, education, surgeries, auto loan, car loan and solar systems.
• Reviewing credit applications and determining appropriate credit limit as per company’s policy.

3 - Credit Risk Assessment at Alex Bank. Feb 2020 to March 2021

➢ Responsibility and Duties:

• Conducting comprehensive credit risk assessments to evaluate the creditworthiness.
• Assessing credit risk models to ensure accuracy.
• Performing the Credit Assessment Process.

Bachelor’s Degree of Management Information Systems (MIS) – Alson Academy for Languages and Information Technology.