RAGHID ANWAR Khalil
Egyptian Number +201**-**-***-** email@example.com Olaya Street, Riyadh, Saudi Arabia
THYSSENKRUPP SAUDI ARABIA LTD. KSA-Riyadh
Credit Collection Manager 9/2013-Present
Responsible for credit collections of all the kingdom branches.
Set up the Credit / collection policy and procedures.
Minimize follow-up gaps to prevent the accounts from rolling forward.
Follow up with the clients in a daily basis to minimize the risky accounts.
Responsible for the customers’ accounts Reconciliation.
Responsible for the training & development of the collection teams to enhance their performance.
Track the department productivity & effectiveness in a monthly basis.
Negotiate the Collection business plan with the collection teams to achieve our targets.
Maintain professional relationships with our clients.
Manage the operating expenses and the collection expenses within plan.
Explain the impact of outstanding debts on the company's financial results to the Collection department.
Make recommendations for changes in the credit collection strategies.
Recruit, motivate and develop staff knowledge and skills.
Distribute the cases between the collectors as per their skills.
Handling the customers complains, disputes until solving their problems.
Field coaching to the collectors by visits major accounts.
Track the department productivity and effectiveness in a monthly basis. GM AUTOMOTIVE. -SAUDI FINANCE HOUSE KSA-Jeddah
Credit Collection Branch Manager 10/2010-8/2013
Responsible for the branch credit collections.
Handle the non-performing loans and the delinquent customers.
Sharing the approval of the new loans with the risk department.
Responsible for the final approval of the new loans.
Prepare the daily collection report to discuss it with the collectors.
Review the collector’s performance in a weekly basis
Responsible for the training and development of collection officers and supervisors
Approve the cases that need to be transferred to the legal affairs.
Make recommendations for changes in the credit collection strategies.
Manage my branch for collecting payments from seriously delinquent accounts.
Recruit, motivate and develop staff knowledge and skills to enhance their performance
Manage the transferring of the cases between the collectors as per their skills
Handling the settlements /complains with the customers.
Report the collection efforts and ratios for the management at the end of each month. NATIONAL SOCIETE GENERALE BANK CAIRO-EGYPT
Head of Collection – Retail Department 2/2008-8/2010
Set up the Collection policy and the collection manual.
Prepare the Collection business plan to achieve targets.
Manage the operating expenses within budget.
Control non-performing loans and collection expenses within plan.
Responsible for the training and development of senior collectors and collection officers.
Recruit, motivate and develop staff knowledge and skills to enhance their performance.
Make recommendations for changes in the collection strategies when needed.
Manage my Department to Collecting payments from seriously delinquent accounts.
Manage risks related to credit losses and recoveries.
Jointly approve cases that need to be transferred to the external collection agencies / Legal Dep.
Ensure obtaining the required credit information in cooperation with the external agencies.
Track the agencies productivity and effectiveness in a monthly basis. Head of Recovery Unit – Retail Department 1/2006-2/2008
Set up the recovery procedures & Policy.
Set up the job description of the recovery department.
Follow-up with the branches to minimize the delinquent customers of each branch.
Jointly approve the cases that need to be transferred to the external agencies.
Follow-up with the external agencies for the transferred cases.
Track the agencies productivity and effectiveness in a weekly basis.
Preparing monthly statistics for the performance of the branches, agencies and analyzes the portfolio of each branch to determine the gaps and setting solutions.
Monitor and report the collection efforts & ratios for the risk division head.
Update the CBE negative list monthly with the new settlement cases. CITI BANK EGYPT CAIRO-EGYPT
Skip Tracing Unit – Collection Department 8/2002-12/2005
Handling the skip / international accounts who failed to meet the due date.
Provide feedback for enhancement and update our collection system.
Negotiate the settlements with the customers and raise the recommended settlements to the management.
Handle all delinquent buckets which accounts are stated to minimize the delinquency.
Maximize the bank revenues and minimize the credit loss.
Handling customers complains, inquiries and disputes to solve the cases.
Handle the written-off cases to assist the net credit loss target
Make deals with customers according to repayment schedule and follow up with them on monthly basis. Area Sales Coordinator – Retail Department 2/2000-8/2002
Responsible for sales team consists of (9 persons).
Preparing Monthly statistics to discuss it with the sales team.
Follow up with the risk department for any changes in the sales strategies.
Responsible for selling loans and credit cards.
Motivate, train my team in order to achieve our targets.
Handling the prospecting clients and closing deals in my area.
Reporting to the sales manager for all reports.
Follow up the old customers and handling their complains.
Reviewing the daily, weekly, monthly reports of the sales team to enhance our productivity DHL EXPRESS CAIRO-EGYPT
Credit Controller 3/1998-1/2000
Responsible for the corporate / Retail accounts.
Prepare the monthly invoices and airway bills.
Reviewing the monthly invoices and airway bills before submitting to the clients
Reporting to the credit controller manager about each account in my territory.
Follow up with my customer for achieving my target otherwise solving their problems.
Follow up with the new clients to increase their shipments by new promotions.
Reconcile the customers’ accounts.
ELITE COMPANY CAIRO-EGYPT
Area Sales Manager 7/1995-2/1998
Responsible for selling the products in my area through tele-marketing and direct sales.
Follow up the competitors in the Egyptian market
Motivate the sales supervisor and sales force to achieve our targets.
Set-up the monthly target and distributed to my team.
Shifting the clients between the sales team to enhance their productivity
Review the sales reports before submitting to the head of Sales
Train the sales team for the new sales techniques
Distribute the monthly Targets on the sales team
Follow up with the prospecting clients to close the deals
Implemented a new marketing and client relationship initiative focusing on customer service and quality management
Date of birth: July 4, 1973
Marital status: Married.
AMERCIAN UNIVERSITY IN CAIRO,
Business Administration Diploma – Grade B+ Graduated- 2002 HELWAN UNIVERSITY IN CAIRO,
Bachelor of Social Work – Grade Good Graduated- 1995 SKILLS AND INTERESTS
Skills: Decision-Making – Planning – Time Management - Creative problem Solving - Management.
Courses: TOT (Train the Trainer) - Body language - Excellence in Credit Collection – Oracle/ SAP System Banking courses (Credit Cards – personal Loans – Auto Loans- Compliance - Money laundry).
Computer: Microsoft Office& Outlook, Oracle, SAP, internet User, Excel 2010, Word 2010, PowerPoint.
Languages: Arabic (Fluent), English (Very Good), & French (Moderate).
Interests: Travel, Sports, Listening Music, Soccer and Horseback Riding