Developing and executing strategic plans for the real estate finance sector to align with organizational goals and market trends.Implementing initiatives such as free real estate financing for low to middle-income individuals and Islamic financing options.Conducting employee training on real estate finance across 68 branches to enhance customer service skills.Identifying growth opportunities, managing risk, and ensuring compliance within the sector.Managing budgets and financial performance to improve profitability.Cultivating strong relationships with key stakeholders in the real estate industry.Leading product development to meet customer needs and capitalize on market opportunities.Upholding ethics and integrity standards.Ensuring compliance with laws and regulations governing real estate finance activities.Collaborating with internal departments and senior management to align activities with organizational goals.

Led the development and implementation of distinctive retail and banking services programs to meet diverse customer needs and enhance competitive advantage.Crafted long-term strategies for both retail banking and real estate finance sectors, ensuring alignment with the bank's overall goals and market opportunities.Established clear and measurable objectives for both retail banking and real estate finance departments, driving growth, profitability, and market share.Continuously analyzed market trends and identified new business opportunities for retail banking and real estate finance products and services.Encouraged the creation of innovative and competitive retail banking products such as savings accounts, loan products, and credit cards, catering to the diverse needs of individual customers.Oversaw the development, execution, and management of the bank's real estate finance portfolio, including product offerings, subscription standards, and risk management strategies.Provided leadership and guidance to a team of employees in both retail banking and real estate finance, fostering a high-performance and collaborative work environment.Recruited, trained, and developed staff within the department, ensuring they have the necessary skills and knowledge to achieve departmental objectives.Supervised budgets for both retail banking and real estate finance departments, ensuring profitability and achieving financial goals.

Managed the non-performing loans sector within the Industrial Development Bank, overseeing a team of professionals responsible for handling overdue accounts.Developed and implemented effective strategies for managing and recovering non-performing loans, reducing financial losses, and maximizing asset recovery.Conducted detailed assessments of non-performing loan portfolios to identify root causes of payment delays and developed tailored recovery plans.Established and maintained relationships with external agencies, legal firms, and debt collection agencies to support the recovery process.Monitored and tracked progress in debt recovery efforts, ensuring compliance with timelines and regulatory requirements.Evaluated the financial status of distressed companies, developed loan settlement plans, and provided financial solutions to assist them in recovering from payment defaults and transitioning to viable borrowers again.Assisted companies facing financial challenges through settlements, scheduling, and loan solutions to help them get back on track.Collaborated with internal stakeholders, including risk management, legal, and finance departments, to coordinate efforts and streamline processes related to non-performing loans.Prepared regular reports and presentations for senior management, providing updates on the status of non-performing loan portfolios and recovery efforts.Implemented measures to enhance the efficiency and effectiveness of debt recovery operations, including the use of technology and data analytics.

Led a significant expansion in the development and growth of the real estate finance portfolio, increasing it from 200 million Egyptian pounds in 2018 to an expected 2,720 billion Egyptian pounds within five years (an anticipated increase of 1,360 billion).Successfully moved the bank from twelfth place to eighth place among all Egyptian banks in the field of real estate finance within a competitive environment.Recognized as an authority in this field through work as an external lecturer in various academies and delivering training programs on personal loans and real estate finance.Instrumental in establishing the Real Estate Finance Department at the Industrial Development Bank after its inception, laying the foundation for future success.Played a pivotal role in effectively managing the real estate finance portfolio since its initial launch, reaching 1 billion Egyptian pounds by 2018, indicative of remarkable growth and portfolio management skills.Pioneered the launch of innovative financing programs for individuals, including: natural gas financing program, solar energy financing program, and personal loans financing program for corporate employees.Completed over 50 training courses in various areas of the banking sector.Published several articles and interviews in newspapers and television.Served as a lecturer in training courses totaling approximately 100 training hours.