Fahad Moafa
Head of Operation Center
Riyadh
Summary
Head of Operations Center with over 20 years of experience in retail credit management, retail credit risk management, collections, and after-sales services, specializing in driving operational improvements in fast-paced environments. Proven track record of enhancing operational performance and reducing credit risks through the development and implementation of best retail credit policies based on accurate portfolio performance analysis. Strong skills in analytical strategies, innovation, and efficiency enhancement, complemented by a commitment to cost reduction. Expertise in building and developing high-performing teams, successfully managing projects to achieve strategic objectives while refining credit procedures and operations. Extensive experience in analyzing data and portfolio performance to support evidence-based decision-making. Focused on enhancing performance, developing optimal credit practices, and achieving operational excellence through innovative solutions that drive company growth.
Overview
23
23
years of professional experience
12
12
Certifications
Work History
Head of Operation Center
Saudi Fransi for Finance Leasing
05.2023 - Current
- Monitor and analyze overall performance of operation center using KPIs.
- Prepare reports for senior management on performance and challenges.
- Set long-terms goals and guide teams toward achieving them.
- Review and develop processes and procedures to achieve efficiency and effectiveness.
- Lead and manage various teams within operation center, such as collection team, credit team, and after-sales services team.
- Develop effective strategies for collecting receivables.
- Monitor and analyze collections performance and provide periodic reports.
- Prepare annual budget for operation center and oversee expenditures.
Head of Risk
Saudi Fransi for Finance Leasing
01.2020 - 04.2023
- Conduct comprehensive assessments of credit risks associated with clients.
- Analyze financial data and credit history to determine financial viability.
- Perform all client’s activities and inquiries related to debit, credit cards, current account
- Review Credit Limit risk exposures for Corporate clients and Counterparty.
- Assess and ensure Retail Portfolio provisions are up to date and adequate
- Assess and ensure Retail Portfolio provisions are up to date and adequate.
- Develop and implement credit policies and procedures to ensure risk mitigation.
- Establish credit limits and criteria necessary for loan approvals.
- Monitor overdue accounts and provide analyses of potential risks.
Credit Approval Manager
Saudi Fransi for Finance Leasing
06.2014 - 02.2020
- Guide and manage credit team and distribute tasks.
- Ensure strict adherence of policies and procedures related to application credit review and suggest recommendations for changes as deemed necessary
- Provide necessary training to team members on credit policies and procedures.
- Develop and implement credit policies and procedures in line with organization's objectives.
- Establish criteria necessary for loan approvals.
- Evaluate credit applications submitted by clients.
- Analyze financial data and credit history to determine financial viability
Senior Credit Operations Supervisor
Al Rajhi Bank
03.2013 - 05.2014
- Review documentation presented for all credit applications and ensure they meet Credit requirements and any other requirements as required by company and by regulators.
- Ensure compliance with Company’s credit policy and procedures
- Perform all client’s activities and inquiries related to debit, credit cards, current account
- Review all credit applications to determine risk in extending credit facility
- Evaluate customer’s financial status
- Involved in implementation of new loan origination and MIS system setup
- Monitoring consumer loan process and ensuring data integrity
Assistant Manager – Credit Administration
Arab National Bank
02.2011 - 02.2013
- Ensuring all products are in line with Bank’s Policy and are compliant with SAMA regulations
- Reviewing new Product Introductions to client’s
Credit Approval Supervisor - Auto Lease
Arab National Bank
02.2008 - 01.2011
- Actively participated in the development of Auto leasing product
- Handling payment process with car agencies related to Auto Financing and ensuring proper controls are implemented
- Handling payment process with car agencies related to Auto Financing and ensuring proper controls are implemented
Loan Operations Supervisor - Housing Loans
Arab National Bank
06.2005 - 01.2008
- Manage property evaluation process for housing loans and escalate any issues or delays
- Ensure the strict adherence of policies and procedures related to application credit review and suggest recommendations for changes as deemed necessary
Loan Operations Supervisor - Personal Loans
Arab National Bank
06.2003 - 05.2005
- Review documentation presented for all credit applications and ensure they meet the Credit requirements and any other requirements as required by the company and by the regulators.
- Review all credit applications to determine risk in extending credit facility
Customer Service Supervisor - Branch Network
Arab National Bank
11.2001 - 05.2003
- Perform all client’s activities and inquiries related to debit, credit cards, current account etc.
Education
BBA - Bachelor of Administration Science, Quantitative
King Saud University
05.2001 -
Skills
- Proficiency in developing and implementing operational and credit strategies
- Ability to align operations with overall business goals
- Ability to lead and motivate teams effectively
- Strong decision-making capabilities
- Expertise in planning, executing, and monitoring projects
- Strong analytical and problem-solving abilities
- Proficiency in data analysis and performance metrics
- Understanding of budgeting, forecasting
- Ability to identify potential risks and develop mitigation strategies
- Understanding of compliance and regulatory requirements
Languages
Arabic
Native language
English
Advanced
C1
Certification
* Principals of Banking
Timeline
Head of Operation Center
Saudi Fransi for Finance Leasing
05.2023 - Current
Head of Risk
Saudi Fransi for Finance Leasing
01.2020 - 04.2023
Credit Approval Manager
Saudi Fransi for Finance Leasing
06.2014 - 02.2020
Senior Credit Operations Supervisor
Al Rajhi Bank
03.2013 - 05.2014
Assistant Manager – Credit Administration
Arab National Bank
02.2011 - 02.2013
Credit Approval Supervisor - Auto Lease
Arab National Bank
02.2008 - 01.2011
Loan Operations Supervisor - Housing Loans
Arab National Bank
06.2005 - 01.2008
Loan Operations Supervisor - Personal Loans
Arab National Bank
06.2003 - 05.2005
Customer Service Supervisor - Branch Network
Arab National Bank
11.2001 - 05.2003
BBA - Bachelor of Administration Science, Quantitative
King Saud University
05.2001 -
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