Poula Badrous

Banking professional with 11 years of experience at Banque Misr across Credit Analysis, Credit Risk Assessment, Financial Reconciliation, and Banking Operations. Experienced in credit assessment, risk evaluation, financial settlements, and reconciliation activities across a large branch network. Strong knowledge of CBE regulations, I-Score, compliance requirements, and internal banking procedures, with a proven ability to coordinate effectively across branches and departments to support accurate, efficient, and compliant banking operations.

Senior Financial Operations Officer – Financial Sector at Banque Misr (2026-07 – Present)

• Review and execute transactions received from the General Department of Central Audit and the Cipher, SWIFT & Correspondent Banking Department.
• Receive and process transactions through registers, email, and Workflow, and execute accounting entries using FCUBS and Global File Upload (GFU).
• Process statute-barred transaction notifications and execute the associated disbursements.
• Execute transactions requiring special approvals, including manual settlements.
• Issue withholding tax certificates on commercial and industrial profits for contractors and suppliers for periods prior to 2021.

Financial Reconciliation Officer – Financial Sector at Banque Misr (2017-01 – 2026-06)

• Managed and cleared pending reconciliation items across 140 branches.
• Prepared and sent settlement notes to branches.
• Monitored outstanding items aged over 15 days.
• Coordinated with branches to obtain debit/credit notifications for Head Office processing.
• Directed settlement notices to relevant departments and followed up through resolution.
• Coordinated with branches to fulfill outstanding requirements and ensure timely resubmission to relevant departments.

Credit Analyst – Retail Banking at Banque Misr (2015-10 – 2016-12)

• Assessed customer creditworthiness using I-Score and CBE credit data.
• Prepared credit risk assessment reports to support lending decisions.
• Evaluated customers' credit and financial data, assessed lending risk, and coordinated high-value requests with the Risk Department.
• Analyzed customer records and used data to recommend appropriate payment plans.
• Recommended approval or rejection of credit facilities, including credit cards, personal loans, auto loans, mortgage finance, and employee loans.

Data Entry Operator at Maadi Steel (2012-05 – 2015-08)

• Entered and verified data accurately in database systems.
• Monitored spare parts inventory records across company factories.
• Resolved data discrepancies and completed missing information.

Bachelor of Commerce & Business Administration in Accounting Department – Helwan University