Senior Credit Analyst with 14 years of experience in credit analysis and risk management for large corporations and SMEs in MEA. Expertise in enhancing credit assessment processes and increasing operational efficiency. Strong analytical skills and effective communication facilitate informed financial decision-making.
Overview
14
14
years of professional experience
16
16
years of post-secondary education
Work history
Senior associate, Credit controller & Collection
Publicis Groupe
Riyadh, Riyadh Region
04.2025 - 09.2025
Managed high-risk accounts with a focus on minimising defaults and maximising recoveries.
and regulations.Managed high-risk accounts proactively to minimize default rates and maximize recovery efforts.
Analysed inancial data to support accurate risk assessments and decision-making.
Performed comprehensive credit risk assessments, reducing potential losses significantly.
Working closely with information providers and credit bureaus ( SIMAH,MCI QAWAEM , MC.GOV )
Assisted in developing more reliable scoring system to assess applicant credibility better.
Interpreted financial reports, identifying potential risks to business growth.
Reviewed and improved upon existing credit policies to ensure compliance.
Enhanced credit risk models by implementing innovative analytical techniques.
Maintained up-to-date knowledge of market trends, improving risk predictions.
Collaborated with internal teams to resolve credit issues and streamline processes.
Delivered training sessions on updated policies and regulations; enhanced team understanding and compliance levels accordingly.
Demonstrated sound judgement in recommending credits for approval or denial after thorough analysis.
Coordinated with auditors during audits; ensured full disclosure and transparency in all dealings.
Collaborated closely with internal teams for timely resolution of credit issues.
Developed and enhanced credit policies to ensure compliance and improve efficiency.
Senior Associate Business Operations L2 – Lead FP&A & MR at Publicis Global Delivery (Publicis Groupe)Senior Associate Business Operations L2 – Lead FP&A & MR at Publicis Global Delivery (Publicis Groupe)