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Management Manager

Abu Dhabi, AZ, United Arab Emirates
October 24, 2018

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Mobile: +971-**-******* +971-**-******* E-Mail:

Skype: Nazem.tannous LinkedIn:



A seasoned credit control and management professional with over 19 years of results driven and progressive experience in credit risk management, developing and implementing credit policies /procedures, commercial management, process improvement, analysis & evaluation, risk reporting and data & operation management.

Skilled in strategy/ action implementation to minimize financial and regulatory risk from channels, ability to capture opportunity and facilitate positive and profitable change.

Innovative in identifying and implementing immediate changes in policies, systems and methodologies to improve performance.

Excellent knowledge of Credit Analysis, Financial External Audit, Corporate Strategic Planning, Portfolio Management, Project Management, Customer Relationship Management and Risk Management.

Well versed in conducting analysis to assess the prevailing market environment, identifying business risks & implementing effective mechanisms to mitigate the same.

Core strengths in determining & documenting enterprise wide Risk Management Procedures for an organization and identifying key control points.

Efficient leadership & people management Skills in planning, prioritizing, scheduling & monitoring while motivating, mentoring, proactive resolution and skill upgrade of the team for performance excellence.


Credit Control

Credit Management

Risk Management

Collections & A/ R Management

Process Improvement

Team Management

Policies & Procedures

Statutory Compliance

Relationship Management


May 2008- Oct 2017 ~ Dimension Data MEA as Credit Manager

2002 – 2008 ~ Emirates Computers Est. Abu Dhabi, UAE as Senior Credit Controller

1999 – 2002 ~ Consolidated Steel Factory, Lebanon as Production and Distribution Supervisor

1994 – 1999 ~ Pepsi, Lebanon as Area Distribution Supervisor


Approved credits for potential clients and managed continue lines of business for current clients (audit collection activities), ensuring that sufficient information is obtained to assess the credit worthiness of new and existing clients.

Instrumentally assessed credit worthiness by searching for legal supporting information for new and existing customer.

Successfully reduced the receivables days by dealing with key clients and Government client, including GHQ Oil and Gas companies Etisalat along with all ministries and semi Government Company.

Significantly achieved the monthly cash-collection targets set for specific accounts while ensuring that payments were correctly allocated to the appropriate accounts and against the appropriate invoice(s).

Certified from DDU management and leadership learning centre (Team winner for FY14 Q4 in all MEA region).

Set the targets for collection and expired bank guarantees recovery by creating an action plan with regard to credit control.

Improved the cash flow by supervising credit control, collection and A/R management in all regions, and successfully implemented credit and risk assessment policy and developed an appropriate professional data flow.

Suspended credit facilities of highly incompetent accounts and instigated legal proceedings and established credit lines with customers seeking open account terms based on financial strength, payment history and risk potential.


May 2008 onwards ~ Dimension Data MEA (NTT Group ) as Credit Manager

Acting as the Head of the Credit Department and leading a team of Credit Controllers to manage all receivables in the regions of UAE, KSA and Oman along with a part of Bahrain & Qatar and dealing with global clientele.

Working with massive outstanding invoices worth A/R .500 Million, establishing and managing the internal controls around customer credit - credit appraisal, setting up credit terms, enhancing as well as reducing credit limits.

Creating a credit risk management environment of an acceptable quality, in terms of established credit guidelines by reviewing & monitoring internal procedures/practices to provide compliance with group/regulatory requirements.

Liaising with various internal departments and Top Management and analyzing the impact of the legal and regulatory requirements on the businesses and advising management on how to best ensure compliance.

Implementing the credit insurance for Dimension Data clients in all operating regions, including UAE, KSA, Oman, Bahrain and Qatar) and restructuring the credit processes such as invoicing, follow up and query management

Reviewing existing systems & procedures and designing internal credit controls/quality audit checks for various operational areas for achieving higher efficiency, resource rationalization, maximum recovery and cost reduction.

Gearing the activities to develop, update, and improve training materials and tools that clearly and concisely convey relevant information to avoid any potential risk and promoting risk free culture across the organization.

Monitoring violations of credit policies, providing analysis, conclusion and recommendations, presenting the findings to senior management and suggest actions/penalties to be taken when appropriate.

Developing and monitoring performance against key success metrics while identifying and mitigating risks associated with achieving the organizational business plans.

Developing processes and procedures for evaluating client financials and setting & changing credit lines/limits, as well as credit holds; implementing liens as necessary to major delinquent account as approved.

Evolving and implementing innovative strategies and policies for continuous improvement in portfolio efficiencies, Vendor development with key focus on innovation, quality and cost delivery.

Establishing Legrand Credit Line by monitoring credit lines granted by the insurance firm and updating accordingly by maintaining credit for complex Dimension Data client accounts and requesting insurance credit lines.

Involved in setting up credit terms, enhancing/reducing credit limits and negotiating credit terms and establishing internal controls around customer credit - credit appraisal.

2002 – 2008 ~ Emirates Computers Est. Abu Dhabi, UAE as Senior Credit Controller

Instrumental in supporting corporate objectives for different regions by developing and implementing appropriate credit strategies and policies for different product lines.

Assessing historical data & analysing the company’s customer mix and classifying accounts, including securities provided, financial stability, management experience, market’s feedback and economical/industrial stability in the relative region.

Conducted investigations on customer business plans and managerial strategies while performing credit reviews on new proposals and existing accounts by analysing financial statements, verifying legal documents, studying trade references and banks feedback.

Ensured appropriate implementation of credit & risk assessment policies to avoid any potential threat by developing an appropriate professional data flow.

Following up on payments for projects with major accounts in the Government, oil and private sector while ensuring the payments were receive on due dates.

Assisted in developing, initiating, maintaining, and revising policies and procedures for the general operations of the credit management & compliance along with its related activities to prevent illegal, unethical, or improper conduct.

Analysed the impact of the legal and regulatory requirements of the business and advised management on how to best ensure compliance by understanding the business KPIs and data analytics to deliver business performance.

Setting and fine-tuning an excellent operational base which is ratified by a very high customer retention ratio, focused on productivity and operational efficiency translating into cost savings and bottom line improvement.

Successfully developing and maintaining a constructive relationship with customers with the accountability of leading the team of collectors and closely following up with them to achieve their targets.

Analysing overdue payments and supervising the invoicing operation along with credit applications process & establishing credit lines with customers seeking open account terms based on financial strength, payment history and risk potential.


DD University Management and leading Talent S. A. -2012

Regional Excellence Award For Extra Mile -2014

Regional Excellence Award For Team Work -2014

International Management and Training Institute, Lebanon - 1990

4 years Business Administration Program, Lebanese University, Lebanon – 1989

Pursuing Master Of Business Administration from Swiss Business School


Proficient in MS Office – 2010 (Word, Excel, PowerPoint, Outlook), Microsoft Windows OS, SAP Systems, CODA accounting system, Internet


Date of Birth: 22nd February 1968

Linguistic Ability: Arabic, English, French (Fluent) and German (Fair)

Nationality: Lebanese

Driving License Details: Valid UAE Driving License

Visa: Resident Visa






+971**-******* / +971**-*******




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