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Fawry MSME FinanceHead of Digital Transformation
Apr. 2025Qesm El Maadi, Cairo, EgyptPurpose: The Digital Transformation Department created to drive meaningful change in how the company operates and delivers value to customers in the digital age. Its core purpose is to harness technology and data to improve business performance, customer experience, and operational efficiency. This department serves as the central hub for innovation and change, ensuring the organization can adapt to evolving market demands (such as fintech disruption, mobile banking trends, or new regulatory requirements). The department is charged with breaking down traditional processes and rebuilding them in a faster, more customer-centric, and data-informed manner, all while maintaining the trust and stability expected in financial services. Department Structure & main functionalities and roles: Data Analytics Unit: o Data Scientists: Experts in statistical modeling and machine learning. o Data Analysts: Skilled in data interpretation and visualization. o Data Engineers: Responsible for building and maintaining data pipelines. o Business Intelligence Specialists: Focused on translating data into business insights. MIS Unit: o Database Administrators: Manage data storage, retrieval, and integrity. o Systems Analysts: Design and optimize information systems. o Report Developers: Create dashboards and reports for stakeholders. o Data Governance & Quality Specialists: Ensure the importance of data accuracy and compliance. Project Management Unit: o Project Managers: Oversee project lifecycles and ensure timely delivery. o Business Analysts: Gather requirements and align projects with business needs. o Change Management Specialists: Facilitate adoption of new technologies and processes.
Fawry MSME FinanceDeputy Head of Risk
Feb. 2024 - Jun. 2025EgyptMember of the executive leadership team, responsible for overseeing and managing the organization's risk management strategy. This role is pivotal in ensuring the institution's financial stability, regulatory compliance, and resilience against various risks inherent in the financial industry such as: Market and Reputational Risk Credit Risk Liquidity Risk Operational Risk
Fawry MicrofinanceRisk Policy and Analytics Manager
Jul. 2023 - Feb. 2024Qesm El Maadi, Cairo, Egypt
Fawry MicrofinanceCredit Risk Manager
Feb. 2021 - Jul. 2023Qesm El Maadi, Cairo, EgyptResponsibilities: • Perform analysis on quality of portfolio, monitor, and assess active accounts to reduce or prevent bad debt losses. • Identify early warning signals and emerging risks, and propose actions to effectively control risk within company policy and regulations. • Analyze the unsecured lending portfolio and continually optimize risk strategy for fraud, and collection. • Oversight of policy and governance framework, practices and standards to ensure effective risk management and foster the company’s potential to meet its sales • To monitor and evaluate performance indicators of the portfolio and study the trends for business growth, product acceptance, product cycle stage, and risk levels. • To review the credit portfolio and propose appropriate corrective measures initiated to ensure that overall business plan objectives met and advise management through timely reports. • To evaluate the credit process flow to identify opportunities for improvement and coordinate the implementation of the corrective tools. • To monitor and review loan officer productivity levels and advise Commercial and Operations for appropriate action. • To supervise the accomplishment of the risk exposure and authorization limits and generate periodic reports on results. • To provide advice about the credit processes as required, verifying that the approved policies and norms are applied. • To improve the effectiveness of the collections and recovery processes through proper segmentation and transactional analysis tools. • Conduct monthly risk incentive calculation and take the necessary approval before execution.
Fawry MicrofinanceSenior Risk Management Specialist
Aug. 2020 - Feb. 2021Qesm El Maadi, Cairo, EgyptResponsibilities: • Review daily Credit Underwriter pipeline and highlight any unusual trend in terms and conduct timely root cause understanding through discussion with the concerned parties in coordination with head of Risk Management. • Monitor daily PAR (Portfolio at Risk) report, highlight any unusual trend (if any), investigate and conduct timely root cause analysis through discussion with concerned parties in both Business and Risk departments in coordination with head of Risk Management. • Access to google drive and review entries in the google drive from both Recovery Officers and Credit Control Officers’ sides and then highlight any errors or suspicious entries to be discussed immediately with the related function’s head after notifying the head of risk management. • Circulate and explain any updates regarding policies, Procedures, Rules or Instructions to all parties in business team and conduct personal coaching if necessary to LOS, Direct Sales. • Organize and share in all training sessions provided from Risk Management’s side (Head, CU, CC, etc.) with the business team (LOs & Ds). • Review daily report sent from Finance and highlight any abnormal normal trend r and conduct timely root cause analysis through discussion with concerned parties in both Business and Risk departments in coordination with head of Risk Management. • Ensure that’s the following reconciliations are being implemented in weekly bases from the concerned parties: o Recovery officer portfolio (LTS vs Recovery Records). o Legal Portfolio (LTS vs Legal Records). o Postponed and reschedule transactions (CU Records Vs LTS). • Providing adequate support in the Monthly Credit Control Report and quarterly Risk Management Report preparation. • Any tasks relating to coordination across risk management functions.
Fawry MicrofinanceRisk Management Coordinator
Jan. 2020 - Aug. 2020
Fawry MicrofinanceCredit Control Officer
Jun. 2019 - Jan. 2020Egypt, Cairo
National Bank of Egypt (NBE)Customer Services Agent
Jan. 2018 - Jun. 20195th Settlement, New Cairo
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