Ehab El-Dardiry Email & Phone Number

Cairo Governorate, Egypt

Egypt

•Consumer operations deputy head directing (3) operations centres (loans/cards/liabilities & bank at work)•Directing loans centre of (7) units (Car/Cash-Services/Maintenance & OVD/CBE & Insurance/ Support/Main Vault/Initiation)•Directing cards centre of (4) units (issuance/settlement & reconciliation /delivery & quality/ maintenance)•Directing liabilities & bank at work centre of (2) units (deposits issuance & redemption/ payroll & pension)•Managing all retail loans products operations (Car/Cash/Club/Buyout/Goods/Over Drafts/ICD/Ijara Service)•Managing all cards products operations (Debit card /Covered card /Credit card )•Managing all liabilities products operations (CD/TD/Wekala/ Mudarba/ Skuk)•Ensuring processing in accordance with Islamic Sharia •Maintaining satisfactory audit reports by ensuring processing in accordance with policies and procedures•Managing remote units •Managing (credit Initiation) for fully secured deals with a delegated approval power •Authorizing insurance premiums payments •Controlling CBE coding process•Conducting monthly review with top management presenting consumer financial operations dashboards •Ensuring high quality service level with minimum complaints & operational losses •Fine tuning of system control points by raising several change with successful implementation •Working always on reducing Turn Around Time (TAT) to meet and exceed SLAs•Implementation of operational risk (RCSA) requirements and key risk indicators (KRIs) •Monitoring & controlling consumer financial operations cost centres expenses vs. budget •Monitoring key performance indicators (KPIs) and (zero defect) •Supporting business to meet set targets and launching new products •Achieved top records in booking numbers contributing in a leading retail market share for the bank •Successful implementation of the business contingency plan •Implementing high managements instructions by transparency and cmmunication to staff

Egypt

•Directing (7) units (Car/Cash-Services/Maintenance/OVD/CBE-Insurance/Support/Main Vault/Initiation)•Managing all retail loans products operations (Car/Cash/Club/Buyout/Goods/OVD/ICD/Ijara Service)•Ensuring processing in accordance with Islamic Shareia •Maintaining satisfactory audit reports by ensuring processing in accordance with P&P•Ensuring that retail loans collateral, documentation as per approved CRs•Managing remote units •Managing (credit Initiation) for fully secured deals with delegated approval power •Managed the centralization task for outstanding finance files from branches to centre •Managed the centralization of several functions (draft issuance/traffic letters issuance/CBE Coding/insurance reporting and payments) •Granting authorized signature and stamping recommendation , renewal , certificates, release letters, purchase orders, draft and manager checks issuance •Authorizing insurance premiums payments •Managed CBE coding•Reviewing monthly exhibits and MIS presented to top management•Ensuring reconciliation in the parallel run •Meeting customer satisfaction without TID’s•Initiating and developing the construction of the retail loans operations centre•Enhancing and developing applied work flow loans system and cycle •Fine tuning of loans system control points raising several change with successful implementation •Implementation of operational risk (RCSA) requirements and key risk indicators (KRIs) •Monitoring consumer finance cost centre expenses•Establishing clear key performance indicators (KPIs) and (dashboard / zero defect)•Reengineering archiving process to use remote vaults•Supporting business to meet set targets and launching new products •Achieved top records in booking numbers contributing in a leading retail market share for the bank •Successful implementation of the business contingency plan •Implementing high management instructions by transparency and communication to staff

Egypt

•Managing all retail loans products processing (Car/Cash/Credit Cards/Over Drafts/Maintenance)•Credit risk assessment for retail loans presented applications •Member in the retail credit committee •Granting retail loans approvals•Reviewing retail loans documents as per the approved CR s•Authorizing retail loans booking transactions•Preparing monthly reports and MIS•Managing loans processing staff by maintaining balance in task distribution and reasonable time management•Motivating loans processing staff in order to maintain team work Productivity •Training and guiding retail loans staff by passing the required knowledge to stand of their required performance standards •Ensuring accurate and efficient job completion of loans processing •Meeting customer satisfaction without TID’s•Coordinating with branches for missing documents in order to minimize the pending cases and turn around time•Managing retail loans documentation and securities lodging process•Resolving any problem related to retail loans processing•Initiating and developing the construction of the retail loans processing centre•Implementing high managements instructions by transparency and better communication to staff

• Reviewing car loans documents as per the approved CR s (issuing recommendation , renewal , release letters , limits and checks printing)• Granting authorized signature and stamping recommendation , renewal , certificates and release letters• Ensuring that car loans collateral , documentation and duplicate car keys are in place• Coordinating with the sales and branches coordinators for missing documents in order to minimize the pending cases and turn around time• Authorizing car loans booking transactions• Reporting and following up of discrepant booked car loans• Reviewing monthly exhibits• Preparing monthly reports and MIS• Supervising car loans unit by maintaining balance in task distribution and reasonable time management• Motivating car loans staff in order to maintain team work Productivity • Ensuring accurate and efficient job completion of car loans booking • Meeting customer satisfaction without TID’s

Car Loan & CBE Reporting Assistant)Authorizing car loans related transactions on Flex-Cube (best booking record in bank history) Supervising & handling CBE reporting & inquiries Supervising car loans staff Reviewing car loan documentation Issuing recommendation, release and renewal letters Loan booking, repayment and re-scheduling MIS ( renewals, releases and printed checkbook requests ) Handling waivers & write-off's Handling & Controlling the stamp duty machine

Reviewing , approving and uploading VISA files Issuing renewal letters ( car loans )Issuing release letters ( car , cash & durable goods loans )Issuing certificates for consumer loans customers.Issuing recommendation letters to vendors (car & durable goods )Releasing settled consumer loans collaterals ( checks , P/Ns , contracts & insurance policies )Receiving and releasing duplicates keys under car loansPrinting all consumer loans checkbook requestsBooking , rescheduling , partial settling & early settlement of consumer loans ( cash , car & durable goods )Reviewing booked loansHandling consumer loans collection's waivers & write offsHandling stamp duty machine ( transactions & register )Handling & maintenance of all existing consumer loansSafe custodyScanning consumer loans documentationUpdating consumer loans safe with new & settled casesPreparing monthly reports ( MIS )Reporting monthly to the Central Bank of Egypt

Handling all customers inquiries; Cash department - 10th of Ramadan BranchTellerHandling all kinds of cash deposits & withdrawals

Handling all visa & master cards customer service inquiries.Handling all transactions for settlement of credit cards.Filling and posting statements for clients.

Collecting several kinds of bills & checks inside & outside clearing room.Making data entry for checks information. Issuing bank drafts.

Collecting several kinds of bills & checks inside & outside clearing room.Making data entry for checks information. Issuing bank drafts.

Fair, Accounting

Bachelor Of Commerce, English Section; Accounting General Secondary Certificate (Science Section)

Post

Education: CMA - Attended the Course 2002-2003