Raghid Anwar Khalil

Creit Collection ManagerFull Time

• Job Details:Responsible for credit collections of all the kingdom branches. • Set up the collection policy and procedures. • Minimize follow-up gaps to prevent the accounts from rolling forward. • Follow up with the clients in a daily basis to minimize the risky accounts. • Responsible for the customers’ accounts Reconciliation. • Responsible for the training & development of the collection teams to enhance their performance. • Track the department productivity & effectiveness in a monthly basis. • Negotiate the Collection business plan with the collection teams to achieve our targets. • Maintain professional relationships with our clients. • Manage the operating expenses and the collection expenses within plan. • Explain the impact of outstanding debts on the company's financial results to the Collection department. • Make recommendations for changes in the credit collection strategies. • Recruit, motivate and develop staff knowledge and skills. • Distribute the cases between the collectors as per their skills. • Handling the customers complains, disputes until solving their problems. • Field coaching to the collectors by visits major accounts. • Track the department productivity and effectiveness in a monthly basis.

Credit Collection Branch ManagerFull Time

• Job Details: Responsible for the branch credit collections.  Handle the non-performing loans and the delinquent customers.  Sharing the approval of the new loans with the risk department.  Responsible for the final approval of the new loans.  Prepare the daily collection report to discuss it with the collectors.  Review the collector’s performance in a weekly basis  Responsible for the training and development of collection officers and supervisors  Approve the cases that need to be transferred to the legal affairs.  Make recommendations for changes in the credit collection strategies.  Manage my branch for collecting payments from seriously delinquent accounts.  Recruit, motivate and develop staff knowledge and skills to enhance their performance  Manage the transferring of the cases between the collectors as per their skills  Handling the settlements /complains with the customers.  Report the collection efforts and ratios for the management at the end of each month.

Head of Collection – Retail Department Full Time

• Job Details: Set up the Collection policy and the collection manual.  Prepare the Collection business plan to achieve targets.  Manage the operating expenses within budget.  Control non-performing loans and collection expenses within plan.  Responsible for the training and development of senior collectors and collection officers.  Recruit, motivate and develop staff knowledge and skills to enhance their performance.  Make recommendations for changes in the collection strategies when needed.  Manage my Department to Collecting payments from seriously delinquent accounts.  Manage risks related to credit losses and recoveries.  Jointly approve cases that need to be transferred to the external collection agencies / Legal Dep.  Ensure obtaining the required credit information in cooperation with the external agencies.  Track the agencies productivity and effectiveness in a monthly basis.