Key Skills

Portfolio Management

Credit Management

Collection & Recovery Operations

Process Enhancement

Risk Management & Mitigation

Client Relationship Management

Strategy Planning

Leadership and Team

Management

Trainings

Future Generation Foundation

(FGF) from Cairo University

o A course to improve your

language and computer skills

“Microsoft Office” and got a

general knowledge about the

marketing, accounting and

management.

Accounting Group Council:

o A course to gain experience in

the finance accounting with

using the accounting programs

(Beach Tree).

Communication Skills for

collections and recoveries from

RAK Bank

o Styles of communication

o Raising awareness

o Working with Body Language

o Building rapport

o Dealing with Assumptions

o Understanding Patterns, Habits

and Beliefs

o Developing Great Listening

and Responding Skills

o Managing Conflict

Result-oriented professional with expertise in implementing debt collections procedures in accordance with industry guidelines, emphasizing on maximum productivity; targeting senior-level assignments in Collections Management with a reputed organisation in Banking and Financial services preferably in Dubai.

Profile Summary:

Focused professional with nearly 13 years of experience in credit and collections management

Skilled People Manager directing productive cross-functional teams using interactive and motivational leadership that spurs people to willingly give 100% effort

Proficient in recovery management through monitoring of collection & recovery process thereby maximizing revenue generation & minimizing irrecoverable debts

Track record of consistently achieving recovery & collection targets at branches, building dynamic teams, identifying high-yielding services and products during the career span

Comprehensive experience in identifying the inherent risk in the proposal & suggesting suitable methods to migrate the same; implementing risk policies, managing risks and formulating effective mechanisms to mitigate them Reduced the roll forward ratio by undertaking weekly targets and reviews with team

Capability in devising strategies for collection and recovery from clients against Loans and Mortgages, thereby providing advice on the various payment options

Leveraging skills in cementing healthy relationship with the clients for generating business and leading workforce towards accomplishing business and corporate goals

Growth Path:

Education

2002: Bachelor of Commerce from Menoufia University, Egypt MOHAMMED FAWZY ELKODOSS

adfkee@r.postjobfree.com +971*********

Power Company

for Import and

Export, Cairo as

Accountant

2004 - 2006 2007 - 2018 Since 2018

Work Experience

Since Sep’18 CAT Financial Services, Dubai as Portfolio Territory Officer (Collection and Operations) Key Result Areas:

Ensuring collection of payments from customers within short and stipulated time to achieve assigned monthly targets Implementing collection strategy, techniques & procedures Devising & effectuating innovative strategies for tracking the high risk accounts, credit collection as well as debt reduction by effective systems

Analyzing the delinquency reports and monitoring the trends in collections by referring to concerned areas & profile patterns and feedback

Reviewing portfolio in terms of delinquency & strategies to recover with different allocation and priorities to the delinquent customers in terms of risk rating

Liaising with the clients for the outstanding accounts in Bahrain, UAE, Kuwait and various other countries in GCC region; devising the appropriate solutions and taking decisions to reduce the proportion of bad debts Following up on the existing inventory and receipt of equipment from customers that are unable to pay the monthly installments, in turn reducing the percentage of outstanding debt to be paid in full by following the process of reselling the equipment through the auction or through our agency in the region Generating various monthly reports with actionable insights with the upper management to determine the expected accounts of the probability of debt amortization “Potential Credit Loss” and sharing the same with various cross- functional departments and the upper management

Rescheduling operations for customers unable to pay monthly installments regularly with the prime focus towards reducing the monthly installment and to perform regularly through the credit policy of the company Coordinating with the Legal Department to take all criminal and civil procedures in the case, providing various solutions in case of any default from the clients end May’07 – Aug’18 RAK Bank, Dubai as Collection Officer (Collections and Recoveries) Growth Path:

May’07 – Dec’10: Recovery Collector – (National, Expat Loans and Credit Card) Jan’11 – Dec’13: Collection Supervisor – (National Loans) Jan’14 – Mar’15: Recovery & Write-Off Officer – National Loans Apr’15 – Aug’16: Skip & Recovery Officer – (SME, Personal, Auto Loans And Credit Card) Sep’16 – Aug’18: Recovery Officer – (Personal Loan) Key Result Areas:

Undertook tele-Calling with clients, other departments, branches and overseas agencies on defined set of Bucket 0/Bucket

Met the daily productivity & financial targets as defined Interacted with clients to procure market information & provide feedback to business Ensured that customers’ conform to the repayment plan & the bank norms in complete Complied with the Staff Code of Conduct at all times to ensure a positive image of the Bank is presented to all customers both internal and external

Identified and recommend improvements to procedures and processes to improve process and service levels Provided support to other team members as required to assist in the smooth operation of the department Maintained awareness of the department’s Business Continuity Plan and undertook appropriate training to ensure correct action is taken in the event of an incident or disruption Performed various other duties or tasks as required or instructed by the line manager to support the smooth operation of the department; controlled/monitored data to achieve the budgeted levels of recovery and skip portfolios Synchronized the legal, skip, and fraud cases with the application of profit and loss sheet in order to achieve the expanding targets

Attended phone banking and branches inquiries on overdue customers Monitored delinquent section and created terms of payment; administered the team to manage high value cases Previous Experience

May’04 – Oct’06 Power Company for Import and Export, Cairo as Accountant Personal Details

Date of Birth: 11th March 1982 Languages Known: Arabic and English Marital status: Married Nationality: Egyptian UAE Driving license: Valid Visa Details: Employment

LinkedIn: https://www.linkedin.com/in/mohamed-fawzy-02b4a096/ Address: Dubai, UAE

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