Corporate Investigations Assistant Manager at ADCB Egypt (2024-02 – 2026-02)
- Utilized extensive credit risk and investigation expertise to lead complex due diligence and deep-dive financial analysis for Large Corporate clients via T24 and Finacle Core Banking Systems, managing total exposure of EGP 500M+ while architecting robust Risk Mitigation frameworks.
- Provided premium Executive Reporting and Governance Support by crafting strategic risk summaries, managing board documentation via CONVENE, and presenting advisory insights for Senior Management and the Credit Committee.
- Leveraged a strong operational and risk background to evaluate Credit Bureau records (I-Score), transactional behaviors, and structural operational risks to proactively mitigate institutional liabilities.
- Demonstrated advanced Stakeholder Management by collaborating with internal legal, Compliance, and corporate business lines to verify Ultimate Beneficial Owners (UBO) and eliminate corporate vulnerabilities using AML & KYC Monitoring Systems.
- Exercised supervisory oversight to ensure a 95% on-time Turnaround Time (TAT) on all investigative pipelines while enforcing full alignment with institutional Governance guidelines.
Retail Credit Assistant Manager at ADCB Egypt (2018 – 2024)
- Supervised retail credit underwriting operations and maintained strict Operational Oversight for an extensive portfolio serving 10,000+ customers, leveraging Loan Origination Systems (LOS) and Risk Assessment & Credit Workflow Systems.
- Maintained strict SLA compliance by overseeing underwriting workflows to secure a 90% credit decision/approval execution in alignment with bank risk appetites.
- Drove cross-functional Stakeholder Management (partnering with Operations, Risk, and Branch networks) to re-engineer risk-assessment procedures and optimize application Turnaround Time (TAT).
- Conducted rigorous financial and Compliance reviews of customer risk profiles, debt-burden ratios, and collateral valuations via CRM Banking Platforms to ensure excellent audit outcomes.
Retail Credit Senior Officer at UNB UAE (2013 – 2018)
- Applied cross-border expertise within the UAE banking market to analyze and approve complex retail credit applications via Core Banking Systems in absolute Compliance with UAE Central Bank regulations and Al Etihad Credit Bureau mandates.
- Served as a senior checkpoint for Risk Mitigation, detecting fraud indicators, auditing financial verification documents, and providing operational support to risk committees while consistently exceeding individual and team SLA benchmarks.
Mortgage Senior Relationship Manager at UNB UAE (2008 – 2013)
- Managed large mortgage customer portfolios, maintaining critical Stakeholder Management and lending relationships with high-net-worth clients via specialized Mortgage Processing Systems and CRM platforms.
- Chaired the supervisory coordination of complex property risk assessments and disbursement executions across Legal, CAD, and branch networks to accelerate SLA timelines and ensure asset protection.
Customer Relations Supervisor & Call Centre Officer at Raya / Vodafone Egypt (2003 – 2008)
- Exercised direct supervisory exposure and Operational Oversight by managing daily service operations, evaluating staff metrics via CRM platforms, and steering team capabilities to satisfy corporate SLA and quality targets.
