Karam Hassan
Supvr. Credit Analysis
Dubai
Summary
Experienced credit and risk management professional with over 08 years of experience in the financial industry, Proven ability to assess credit risk, manage accounts receivable, and lead and motivate teams.
Strong analytical and problem-solving skills with Excellent communication and interpersonal skills and Committed to continuous learning and professional development.
Overview
8
8
years of professional experience
2
2
Years of Automotive Industry
2
2
Year of Banking Industry
4
4
Licensed /Certified by : CFI, NYFI, PWc, CISL - UK
Work History
Credit Analyst Superisor
Al Naghi Medical Co. LLC
Dubai
06.2015 - Current
- More than 165 disputes cases resolved.
- Minimized bad Debits by 40% saved 43.7 M.
- Handled 40 - 50 outbound,inbound/day.
- Maintained a quarterly average of 85% complete cases.
- Acted as central point of contact for both employees and customers on routine credit and collection issues.
- Reported on and recommended actions related to financial stability of potential clients.
- Handled average40 outbound and inbound calls daily with goal of collecting owed debt.
Credit Risk Analyst
Majed Al Futtaim
Dubai
11.2012 - 11.2014
- 20% and improved invoice accuracy.
- 15% reduction in average collection cycle time.
- Reduced the % of aging receivables over 90 days by 22.
- Counseled debtors on payment options and arranged installment agreements.
- 39% enhancement on credit Control Policies that resulted in a reduction in ate payments and improved overall compliance with payment terms.
Credit Analyst
Barclays Bank
Cairo
03.2010 - 11.2023
• Increased Approval Rate by Collaborated with senior team members to improve the
credit application approval rate by 10% through thorough analysis and presentation.
• Reduced Turnaround tools that reduced the average processing time for credit applications by 15%, result seamless credit processing, resulting in a 10% increase in operational efficiency and
• Improved customer-focused initiatives, resulting in a 15% increase in customer satisfaction scores through proactive communication, timely updates, and personalized
credit solutions
Education
MBA - Accounting
07.2014
BBA - Business Administration
06.2008
Skills
- MS Office proficient
- Expert in GAAP and statutory reporting
- SAP and SAP Hana, Oracle
- QuickBooks, Sage, MS Dynamics, Oracle, SAP and other various software
- Billing, collections, and auditing expert
- Policy planning
- Management accounting
- Financial Forecasting
- Lender Relationships
- Business Planning
- Variance Analysis
- Deal Structuring
Certification
- VAT, Value Added Tax, PWC – 2018 accredited by ATT.
- PFA, Professional Financial Accounting The Central Agency of Organization and Administration – 2022
- IFRS, International Financial Reporting Standards – 2017.
- BSM, Business Sustainability Management, University Of Cambridge – 2019.
- QuickBooks Certification
- Sage Accounting
Timeline
Credit Analyst Superisor - Al Naghi Medical Co. LLC
06.2015 - Current
Credit Risk Analyst - Majed Al Futtaim
11.2012 - 11.2014
Credit Analyst - Barclays Bank
03.2010 - 11.2023
University Of Pennsylvania - MBA, Accounting
Helwan University - BBA, Business Administration
- VAT, Value Added Tax, PWC – 2018 accredited by ATT.
- CMA, Certified Management Accountant, IMA - 2021
- PFA, Professional Financial Accounting The Central Agency of Organization and Administration – 2022
- IFRS, International Financial Reporting Standards – 2017.
- BSM, Business Sustainability Management, University Of Cambridge – 2019.
- QuickBooks Certification
- Sage Accounting
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