MOUSTAFA ELSHERBINI
Khobar,Eastern Region
Summary
Accomplished professional with extensive expertise in financial management, risk mitigation strategies, and business analysis. Proven track record in operations management, credit risk analysis, and portfolio management. Adept at policy and procedures development, budgeting and finance, and collections management. Demonstrated success in business planning, project management, and strategic planning. Skilled in staff training and development, performance management, and process improvement. Strong organisational skills with a focus on cross-functional collaboration and problem-solving abilities. Committed to cost reduction, employee performance evaluations, customer relations, negotiation, and credit scoring system design.
Overview
15
15
years of professional experience
1
1
Certification
Work history
Credit Risk & Collection Manager
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
Khobar, Eastern Province
08.2025 - Current
- Evaluating potential clients' financial reliability by analyzing credit reports, financial statements, and payment histories to determine risk levels and set appropriate credit limits and payment terms.
- Creating and enforcing clear, consistent credit management and collection policies and procedures in coordination with finance, sales, and legal departments.
- Continuously monitoring customer accounts and payment patterns to detect early warning signs of potential issues and manage overall credit exposure.
- Overseeing the debt collection process, which includes negotiating payment arrangements, handling escalated disputes with delinquent accounts.
- Implementing strategies and potentially leveraging technology (e.g., automation, data analytics) to streamline processes, reduce Days Sales Outstanding (DSO), and improve cash flow efficiency.
- Preparing financial and regulatory reports for senior management or boards of directors regarding collection status, outstanding balances, and overall risk exposure.
- Set up strict monitoring system to track overdue accounts, reducing default risk.
- Demonstrated sound judgement in resolving complex collection issues successfully.
- Analysed financial performance to implement key improvement strategies.
- Designed dashboards to enhance Business Intelligence and KPI reporting.
Credit Risk Assistant Manager
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
Khobar
01.2022 - 01.2026
- Develop and implement credit policies, procedures, and guidelines to mitigate credit risk and ensure compliance with industry regulations
- Conduct comprehensive credit analysis and risk assessments on prospective and existing clients to determine creditworthiness
- Monitor credit limits, credit terms, and payment terms for clients, making appropriate adjustments as necessary
- Collaborate with sales and account management teams to negotiate credit terms and resolve credit-related issues
- Manage the collection process, including monitoring overdue accounts, initiating collection efforts, and working with legal teams on escalated cases
- Analyze and interpret financial statements, credit reports, and other relevant data to evaluate creditworthiness and make informed credit decisions
- Provide guidance and training to credit analysts and other team members to enhance their credit assessment skills
- Prepare and present credit reports, portfolio performance reports, and recommendations to senior management
- Prepare and present segments risk analysis by industry, market fluctuations
- Preparing statistical models and analytics to predict potential defaults and develop mitigation strategies
- Handling government projects invoicing, collections, and resolving disputes (if any) through ERP & ETIMAD platform.
Credit Risk Supervisor
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
Khobar
01.2018 - 12.2021
- Created and implemented policies and procedures to reduce credit risks
- Collaborated with other departments to ensure compliance with internal policies and external regulations
- Maintained detailed records of all customer interactions pertaining to credit risk management activities
- Analyze and interpret financial statements, credit reports, and other relevant data to evaluate creditworthiness and make informed credit decisions
- Prepare and present credit reports, portfolio performance reports, and recommendations to management
- Contribute to the development and implementation of credit risk related policies
- Prepare and deliver high quality and engaging presentations to senior management and Board members.
- Identified key indicators of default and incorporated them into the company's scoring system.
Credit Risk Analyst
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
Khobar
01.2014 - 12.2017
- Assessing creditworthiness of existing or prospective clients
- Examining financial transactions and credit history case by case
- Completing ratio, trend and cash flows analyses and creating projections
- Developed and implemented strategies to reduce risk exposure while meeting business objectives
- Prepare reports with credit information for use in decision-making.
Regional Operations Supervisor
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
Khobar
02.2012 - 12.2013
- Monitor daily operations across multiple locations to ensure efficiency, productivity, and compliance with policies.
- Performed detailed financial analysis of regional operations budgets, recommending changes as needed
- Analyze operational performance metrics and implement strategies for improvement and cost reduction.
- Oversee efficiency of operational processes
- Participate in strategic planning various business functions, including finance and customer support
- Analyze business requirements, customer needs and research methods to improve operations and reduce costs
- Monitor and report on department performance and provide administrative support.
Cost Accountant
INTERCONTINENTAL HOTELS & RESORTS
Marsa Alam
10.2010 - 12.2011
- Prepared monthly journal entries, account reconciliations, accruals, reclassifications
- Analyze and track cost data, helping organizations identify areas for cost reduction and improved efficiency.
Education
Bachelor of Finance - Business Administration - Finance
Mansoura University
01.2006 -
Skills
- Financial Management
- Risk mitigation strategies
- Business Analysis
- Operations Management
- Credit Risk Analysis
- Risk Assessment
- Portfolio Management
- Policy and Procedures Development
- Budgeting and finance
- Collections Management
- Business Planning
- Project Management
- Strategic planning
- Staff training and development
- Performance management
- Industry knowledge
- Process improvement
- Cross-functional collaboration
- Organizational skills
- Problem-solving abilities
- Cost Reduction
- Employee Performance Evaluations
- Customer Relations
- Negotiation
- Credit scoring system design
Certification
- CMA Part 1
- CMA Part 2 under preparation
- PMP & RMP Under Preparation
LANGUAGES
English
Fluent
REFERENCES
References available upon request
Timeline
Credit Risk & Collection Manager
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
08.2025 - Current
Credit Risk Assistant Manager
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
01.2022 - 01.2026
Credit Risk Supervisor
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
01.2018 - 12.2021
Credit Risk Analyst
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
01.2014 - 12.2017
Regional Operations Supervisor
AL JAZIRA EQUIPMENTS LTD CO (AUTO WORLD)
02.2012 - 12.2013
Cost Accountant
INTERCONTINENTAL HOTELS & RESORTS
10.2010 - 12.2011
Bachelor of Finance - Business Administration - Finance
Mansoura University
01.2006 -