Hany Gouda

Results-driven Credit and Finance Professional with more than 18 years of progressive experience in credit management, collections, accounts receivable, financial analysis, and risk control. Proven success in developing and implementing credit policies, optimizing cash flow, reducing overdue receivables, and strengthening customer relationships while minimizing financial risk. Experienced in leading multicultural teams, managing large credit portfolios, negotiating payment arrangements, and collaborating with senior stakeholders to support business growth.

Strong expertise in credit risk assessment, debt recovery, financial reporting, SAP ERP, and credit control operations across multiple business sectors.

Group Credit Manager at Tarjama& (2025-01 – Present)

• Lead and oversee group-wide credit management activities across multiple business units and regions.
• Develop and implement credit strategies, policies, and procedures to minimize risk and improve cash flow performance.
• Manage credit exposure, customer credit limits, and risk assessments for key accounts.
• Drive collection performance and ensure achievement of DSO and working capital targets.
• Partner with senior leadership, finance, sales, and operations teams to support sustainable business growth.
• Monitor portfolio performance, identify risk trends, and implement corrective actions.
• Lead and mentor credit teams, ensuring adherence to best practices and organizational objectives.
• Provide executive management with regular reports on credit performance, collections, bad debt provisions, and risk exposure.

Credit Manager at Aramex Doha WLL (2022-01 – 2025-01)

• Led a team of credit professionals in evaluating creditworthiness and managing customer credit portfolios.
• Developed and implemented credit policies and procedures aligned with corporate standards.
• Conducted comprehensive credit analysis and risk assessments.
• Negotiated payment terms and credit conditions with customers.
• Improved collection efficiency and reduced overdue receivables.
• Collaborated with sales and finance departments to enhance customer relationships and credit processes.
• Monitored portfolio performance and prepared management reports.

Senior Accounting Team Leader at Aramex Doha WLL (2011-01 – 2022-01)

• Managed day-to-day accounting operations including Accounts Receivable, Accounts Payable, General Ledger, and reporting.
• Led and developed accounting teams to achieve departmental objectives.
• Managed month-end and year-end closing activities.
• Implemented accounting controls and process improvements.
• Supported management with financial analysis and strategic recommendations.

Credit Officer at Aramex Doha WLL (2006-01 – 2011-01)

• Managed collections and customer account reconciliations.
• Reviewed aging reports and followed up on overdue accounts.
• Assisted in implementing credit control policies and procedures.
• Supported audit activities and ensured compliance with financial standards.

Doha Area Manager at Doha Municipality (2000-01 – 2006-01)

• Managed municipal operations and infrastructure projects.
• Oversaw quality, safety, and regulatory compliance activities.
• Conducted inspections and implemented operational improvement initiatives.
• Coordinated with stakeholders and community representatives.

Executive Secretary – Public Relations Department at Doha Municipality (1995-01 – 2000-01)

• Provided executive administrative support to senior management.
• Coordinated public relations activities and communications.
• Managed schedules, correspondence, and stakeholder relationships.
• Assisted in organizing events and public engagement initiatives.

Bachelor of Accounting in Accounting – Cairo University (2006-01)