Eman S.Badr El-Din Email and Phone Number

 Manage the Retail Recovery overall reporting process and ensure its fulfillment in timely manner.  Developing Retail recovery In House system in coordination with IT, enabling cross default rule to be applied in all delinquent products per customer.  Setting up criteria for reports to serve all retail recovery Team leaders and heads in achieving efficient recovery process.  Review the allocation of the delinquent accounts data assigned to the Retail Recovery Teams.  On Monthly basis, review the prepared Retail Collection targets and efficiency ratios and present it to the Retail Recovery Reporting and Assessment Manager.  Review and analyze the Retail Collection Teams achievements and present to the Retail Recovery Reporting and Assessment Manager.  Review and approve End of Month Statistics Report prepared by Reporting & Control Team.  Review the analyzed daily Cumulative and Non-Cumulative Statistics prepared by the Team.  Review accuracy of calculation’s basis for the Forecasted Statistics and Analysis.  Coordinate with the IT Department to ensure adequate and effective reporting process.  Ensure the delivery and accuracy of performed standard report to other departments.  Assist the Unit’s Manager in investigating & analyzing the operational deficiencies within the assigned team and taking the necessary corrective action.  Devise new techniques, rules & regulations to guarantee optimum utilization of the individuals ‘capabilities & skills within the team aiming at optimum quality of work.  Monitor team members’ performance to ensure that procedures and quality standards are strictly adhered.  Motivate & coach the Reporting and Control Team & support them accomplishing their tasks.  Responsible for evaluating the performance of personnel in the team. Recommend training and development requirements, has the duty to keep the staff at the highest level of skill necessary to meet needs and objectives.

 Ensure the timely Supply of the Recovery Management Portfolio (RMP) extracted Data to each Recovery officer. Ensuring the accuracy of the End of Month Reports for the purpose of monitoring the collection Efficiency. Ensuring the delivery & the accuracy of the Performed standard report to the Other Departments (Daily, Weekly, Monthly, and Quarterly). Ensuring the correct basis of calculation and the accuracy of Forecasting Statistics for purpose of the sizing the debt collection department.  Analysing the Daily Non-Cumulative & Cumulative Statistics for the purpose of Monitoring the Officers Performance.  Responsible for checking the accuracy of the correspondence sent to the whole Network groups (i.e. For Your INFO. & Collection Efficiency) Customizing an IT (Reporting) Solutions & Coordinating with the IT department to simplify the reporting process.  Coordinating with the Centralized Reporting department in the supply process of the required data for the purpose of simplifying the forecasting process. Preparing the Monthly Recovery Report. Calculating the commission/incentive compensation for all Retail recovery staff.  Responsible for preparing the quality check of the CBE negative list and the rejection list Consolidated reply. Ensure that Senior & Junior Officers are committed to the rules & basis in Calculating & Performing the statistics required inclusively the Collection Efficiency.  Coaching /Training Senior & Junior Control & reporting Officers. Responsible for providing analytical reports for provision decreasing strategies.

In the light of Debt Collection project aiming at better handling of delinquency management started in April 2009, my responsibilities were as follow: Responsible for constructing the Retail Debt Collection Department handling the client's delayed in their instalment's through recruitment, training & supplying the daily and monthly statistics. Participating in submitting the procedures & job description's for the employees in different Debt Collection department's units. Responsible for carrying out Work Shops supporting the write off, Rescheduling & Postponement process for retail clients. Responsible for carrying out Permanent supervision. Responsible for distributing the Delayed Client's portfolio & supplying daily cumulative statistics & monthly reports supported with the graphs of the performance achieved through the whole stages of debt collection. Participated in the testing of the automated banking tool (CDL) managing the Provision Calculation and the rating system for retail clients.

Minimizing Global NPL using several Recovery Actions after analyzing the Portfolio of all delinquent clients.Supplying the Branches Network with reports detailing delinquent clients with suggested Action to support follow up of early delinquent stages.Enhancing un resolved cases above branches category through transferrig such clients to external collection agencies.Improving collection agencies performance through analyzing payment trends for those clients with close follow up with each office performance.Prepaing monthly offices collection cheques, through reviewing bill recieved from their end after analyzing clients movement on accounts to finalize payment amount per each client.Transferring unsolved clients after preparing essential documents to pursue legal action against those clients.Peparing credit memo for delinquent clients reuests after negotiating settlement agreement to pay off their debts for final validation of credit commitees.Responsible for calculating provision amount per each client to be recorded on bank system.Performing internal required statistics to be provided to Retail recovery head for tracking performance.Prepare permanent supervision required on a quarterly basis.