Ahmed Mohamed Aldaly

Chief Risk Officer – General Manager Risk DepartmentFull Time

• Job Details:• Builds a strong risk management framework for Egy Lease, bringing together a number of teams ( credit administration operations, risk assessment, credit analysis / underwriting , credit invstigation , and remedials and collections.) and managing the enterprise wide risk. • Develop, manage and refine qualitative and quantitative risk reporting which meets the needs of the Board, in order to support effective decision making. • Set a positive culture of confident and informed risk-taking through training, communication and promotion of the agreed risk framework. • Work closely with the CEO, CFO, BDH, and other executive and non-executive committee members, senior managers across the business and representatives of the shareholder such as Board committees and related subcommittees (mainly Risk Committee) which can achieve growth targets safely. • Evaluate potential operational risk from employee’s errors or system failures that could interrupt business process, then develop processes to both reduce exposure to these risks and adequately respond when these issues occur. • Establish a comprehensible risk tools including grading systems fitting selected target custsomers, such as Corporate ratings , SME’s scoring models and related credit approvals templates. • Continuously developing, enhancing and embedding the risk framework for managing risks across the organization, ensuring that processes are fit for purpose. • Establish overall risk framework and main principles as well as approval committee structures through developing of Egy Lease Charter Policy and other risk and credit policies • Providing essential input as a member of senior management and the executive team and credibly challenging the management of current issues and the development and implementation of strategy. • Work hardly to achieve the company's vision, mission and values.

Deputy Director – Head of SME’s RiskFull Time

• Job Details:• Restructuring the SME’s Banking and the following is achieved:  Developed new SME’s five-years business plan and presented to Executive team for consent.  Introduced a new approach for SME’s based on product programs with a well defned target market.  Prepared new SME’s program and the governing set of policies and procedures, including all related forms and templates for account maintenance as well as scoring sheet for selection of customers.  Reviewed program and procedures with concerned departments including, corporate banking, credit risk, internal audit, credit adminstration, Executive team.  Achieved Executive Committee approval on new SME’s program and related procedures manual in March 2014. • Approve credit proposals (CPs) of SME’s customers per delegated authority and product program approval process. • Provide feedback into business and credit program & process development, where appropriate. • Ensure the right controls in the process and have an effective MIS in place to monitor the portfolio and guide it towards better performance. • Work with business team, providing post program application based coaching and discussion, where appropriate to ensure effective development and delivery of customized risk solutions for customers. • Proactively contribute to change management initiatives in support of process and quality improvements, cost reductions and development of people.

SMEs Risk HeadFull Time

• Job Details:Currently estabishing the SME’s Banking Risk Management including the prepartion of the following: Orgchart, Credit Program and related set of policies and procedures, target market and segmentation, etc.. Achievements till date include: • Prepared and conducted the Risk Reward template for the target market selection and segmentation of the SME's Business Model • Developed the Wallet Sizing and provided data for the model to calculate the expected NBD's share in the Wallet of SME's • Conducted some market survey's for SME's Competitive and Customers Analysis • Developing the SME's Credit Program including the setting of Customer Selection Criteria, Credit Acceptance Criteria, Program Triggers and Caps • Preparing the set of policies and procedures for governing the SME's Business including, roles & responsibilities, approval process, credit mintenance, collateral monitoring and portfolio management.