Summary
Work history
Skills
Education
Languages
Affiliations
Technical Skills
References
Generic

AFAF GHAZY

Sharjah,UAE

Summary

A highly skilled professional with a strong engineering mindset and a keen eye for detail. Brings 6 years of proven experience in debt recovery, write-off management, and high-risk portfolio handling.

Expert in negotiation and persuasion under pressure, with deep knowledge of banking operations, legal documentation, case prioritization, and portfolio management. Recognized for meticulous compliance, strong emotional intelligence, and effective stress management.

Adaptable and results-driven, combining technical acumen with people-focused problem-solving, while maintaining accountability, time management, and practical decision-making in dynamic environments.

Work history

Team Leader / Debt Collection recovery

Hadaf Al Khaleej Legal Consultants – Banking Portfolios
Sharjah, UAE
2020.03 - 2025.12
  • Managing delinquent and write-off banking portfolios for major UAE banks including HSBC, Emirates NBD, FAB, and RAK Bank.
  • Negotiating settlement agreements and structured repayment plans in accordance with bank policies and UAE regulations.
  • Handling high-risk, long-overdue, and sensitive customer cases with professionalism and control.
  • Consistently achieving monthly recovery targets under high-pressure conditions , recovery increased by 200%
  • Coordinating escalation of accounts for legal action while ensuring full documentation and compliance.
  • Supporting team operations, prioritizing cases, and assisting colleagues as Team Leader.

Freelance Architect / Researcher (Parallel Work)

Canadian engineering consultancy office
Ajman, UAE
2017.01 - 2020.02
  • Freelance architectural work with international consultancy offices
  • Architectural research for master's degree thesis
  • Focus on sustainable building management and resource optimization
  • Independent architectural research for master's degree thesis.
  • Conducted research about architecture, through architecture, and for architecture, focusing on sustainable resource management in building. (building management systems BMS.

Architectural Engineer & Interior Designer

Master for Engineering Consultant
Alexandria, Egypt
2014.01 - 2016.12
  • Produced detailed architectural working drawings for residential buildings.
  • Coordinated plumbing, electrical, communication, and ventilation layouts.
  • Designed 2D and 3D interior spaces with focus on functionality, safety, and aesthetics.
  • Used AutoCAD, SketchUp, and Photoshop for technical and presentation drawings.
  • Managed client requirements, revisions, and documentation deadlines.

Site Follow-up Engineer

Engineers Syndicate of Alexandria
Alexandria, Egypt
2012.01 - 2013.12
  • Engineering supervision for residential housing projects
  • Supervised construction activities on-site and ensured compliance with approved drawings.
  • Monitored project progress and assisted in preparing monthly reports.
  • Coordinated between site teams and project control units.

Site engineer

Engineering Centre/Faculty of Engineering
Alexandria, Egypt
2010.09 - 2011.12
  • Managed project timelines for timely completion of tasks.
  • Ensured site safety by implementing rigorous health and safety protocols.
  • Monitored supply chain management reducing delays in delivery of essential materials.
  • Collaborated effectively with design teams refining plans as per ground realities.
  • Follow-up on execution quality and work progress.

Skills

  • Attention to Detail (Engineering Mindset)
  • Negotiation & persuasion under pressure
  • Debt recovery & write-off management
  • High-risk customer handling
  • Banking & Legal Documentation
  • Case Prioritization & Portfolio Management
  • Analytical & critical thinking
  • Strong documentation & compliance discipline
  • Emotional intelligence & stress control
  • Adaptability & career transition strength
  • Time management & responsibility
  • Strong sense of responsibility
  • Self-motivated and highly committed
  • Practical, realistic, and solution-oriented
  • Comfortable with both technical and human work

Education

Master's Degree (Registered) - Architecture

Faculty of Engineering – Alexandria University
Alexandria, Egypt
2017.01 -

Postgraduate Diploma (PGDip) - Architectural & Urban Design

Faculty of Engineering – Alexandria University
Alexandria, Egypt
2013.09 - 2014.03

Bachelor of Science in Architectural Engineering - Public Buildings

Faculty of Engineering – Alexandria University
Alexandria, Egypt
2006.09 - 2010.09

High School Diploma - Science and Math sections (STEM)

El Nasr Girls' College (E.G.C)
Alexandria
1994.09 - 2005.09

Kindergarten - Pre-school

Egyptian Language School , Doha
Qatar
1992.09 - 1994.09

Languages

Arabic: Mother Tongue
Fluent
English: Very Good
Advanced

Affiliations

  • Fitness & Gym: Maintaining a healthy lifestyle and discipline through regular workouts.
  • Animal Care: Raising and caring for pets, fostering patience, responsibility, and empathy.
  • Cooking & Nutrition: Exploring healthy recipes and preparing fresh meals.
  • Personal Development: Reading, learning new skills, and self-improvement.
  • Creative Writing & Storytelling: Writing novels and stories inspired by real-life experiences.
  • Travel & Cultural Exploration: Experiencing new places and cultures to broaden perspectives.
  • Film & Series Analysis (keen on directing, cinematography, and soundtrack details)

Technical Skills

  • AutoCAD: Advanced
  • SketchUp: Advanced
  • Adobe Photoshop: Advanced
  • Revit Architecture: Good
  • Virtual Architecture Software – Vizard: Good
  • Microsoft Office (Word, Excel, PowerPoint): Advanced
  • Windows-based Applications: Excellent
  • Internet & Online Research Skills: Excellent

References

References available upon request.
AFAF GHAZY