Abdulkhalek Tharwat Resume 2023

Abdulkhalek Tharwat
Nationality: Egyptian Driving License: Available

Marital Status: Married +2 Military Status: Exempted
Languages: English & Arabic Phone: +97433667447
LinkedIn: www.linkedin.com/in/Atharwat2020 Address: Doha, Qatar
E-mail: abdulkhalek.tharwat@gmail.com
Career Objective
Seeking a senior level position within a reputable financial institution that will enable me to use my strong
organizational skills, banking experience and solid educational background, furthermore opportunities for
professional development.
Core competencies
Risk management, customer service, relationship management, recoveries, remedial restructures.
Work experience
Position: Executive Retail & SME collection and remedial

Employer: Qatar Islamic Bank
JULY 2017- PRESENT
• Reporting directly to Head of Collections and Recoveries to ensure proper management of account receivables by
minimizing credit losses of current portfolio.
• Manage all Non-Performing Loans (NPL) cases in order to ensure cases are properly handled.
• Planning in establishing the optimum solution to settle the NPL.
• Apply the rules and procedures formulated concerning the settlement of loan problems.
• Maintain the percentage of NPL to the acceptable level within allocated branches.
• Handle the reduction of NPL provisions and profit increase.
• Review Remedial proposals and ensure coherence with the agreed settlement plans
• Evaluate and asses the NPL debtors’ presented guarantees. Complete all legal documents related to these
guarantees
• Held meeting with clients whenever & wherever needed.
• Manage the fulfilment of the settlement agreements and management recommendations.
• Ensure recovery files reach acceptable settlements and carry out settlement procedures when designated
approvals are obtained.
• Participate in the action plan formation and approaches unification in coordination with all recovery department
staff.
• Ensure correct adoption of policies & procedures in order to guarantee that bank business is conducted in
compliance with Local Laws, Internal rules and International Standards.
• Follow up files transferred to legal department.
• Follow up written-off cases.
• Develop, implement and track collection strategies to reduce potential credit risk.
• Handle inquiries from customers and staff across business lines.
• Handle special credit arrangements for problematic accounts through re-writes, settlements, consolidations,
rescheduling and waivers.
Position: Executive Customer Service
April 2012- JULY 2017
• Acquire new clients, conduct financial analysis and submit accurate credit applications while ensuring an excellent
on-boarding experience in order to achieve assigned acquisition targets and achieve the desired growth in
portfolios.
• Offer existing clients new solutions, enroll clients for alternate channels and value added services to increase
transaction volumes and grow the assigned portfolio
• Conduct client visits, understand and report on risk profile and highlight/ update approving authorities with any
changes to enable necessary action to be taken
• Conduct analysis on clients’ financial health and needs as well as their industries/ markets on regular basis in order
to identify lending, selling, and cross-selling opportunities and improve QIB’s profitability.
• Conduct credit assessments/ appraisals and coordinate the processing of approved credit requests for new clients
to ensure a quality and timely credit utilization process
• Cross-sell various products of QIB’s portfolio such as retail finance, project and structured finance, transaction
services, debt markets, treasury and Islamic banking products to existing client based on their requirements in
order to contribute to the increase in product penetration and wallet share of the existing clients
• Organize and supervise the activities and work of the team to ensure that targets and objectives are achieved and
the business plan is delivered in line with the required policies, processes, procedures and systems Implement
approved departmental policies, processes and procedures, and ensure employee adherence.
Position: Team Member –Core Banking Transformation System (T24)

March 2015- March 2016
• Participate in the relevant transformation sessions and demonstrate subject matter expertise for the Bank.
• Represent business units and support functions
• Process Improvement: Identifying scope of improvements/GAPS to increase efficiency in the new system based
on the results derived from AS-IS analysis.
• Developing test script to ensure successful testing at EST (Early System testing) level;
• Performing high level test approach at various levels with the help of IT to ensure smooth transformation and
migration of the core banking system;
• Achieving an integral part of SIT (System Integration Testing) and UAT (User Acceptance Testing)
• Migration; ensuring successful migration to the new system along with the coordination of the transformation
with Temenos Team after successful testing and approvals from various levels.
• Proficiency Enhancement: Training Temenos Team with current operational activities along with current system
functions and interfaces.
• Attended workshops/training from the certified Temenos trainers to understand the new core banking system.
• Keep note of point requirements raised during workshops and reconcile end of day with Temenos
Position: Supervisor
Employer: Doha Bank
August 2010- Jan 2012
• Administer everyday operations for all sales activities.

• Resolve all customer issues, facilitate new accounts development, recommend appropriate new selling
techniques, and resolve all customer issues.
• Develop professional relationships with all customer contacts.
• Determine all profit and sales objectives and design effective strategies to maintain inventory levels at all times
and manage all work according to branch policies and procedures.
• Implement all required safety programs and provide required training to employees to enhance operation and
supervise efficient working of all employees.
• Assist branch manager to provide optimal customer services, reconcile receipt, and cash payment.
• Administer new accounts and prepare reports to be submitted to management on monthly basis.
• Prepare all money orders and travelers checks and maintain neat and clean teller area at all times according to
bank policy.
• Provide optimal customer services to resolve issues and perform interview with all applicants for consumer loans
and facilitate in loan approval.
• Maintain high standard of services in branch and prepare accurate records.
Position: Customer Service Representative

Employer: Union National Bank
April 2010- August 2010
• Attracts potential customers by answering product and service questions; suggesting information about other
products and services.
• Maintains customer KYC standards by updating account information.
• Resolves product or service problems by clarifying the customer's complaint; determining the cause of the
problem
• Selecting and explaining the best solution to solve the problem; expediting correction or adjustment; Following
up to ensure resolution is adhered.
• Maintains financial accounts by processing customer adjustments. Recommends potential products or services to
management by collecting customer information and analyzing customer needs.
• Prepares product or service reports by collecting and analyzing customer information.
• Contribute to team effort by accomplishing related results as needed.
• Tracking fraud online, outside the country and suspicious transactions
Position: Call Center Agent

Employer: Abu Dhabi Commercial Bank
Sep 2008- March 2010
• Provide internal and external customers with accurate information regarding ADCB products
• Handle telephonic enquiries and cross selling of ADCB retail banking products
• Provide correct information to all customers regarding their accounts, credit cards, loans etc.
• Answer customer queries and resolve simple complains immediately
• Cross-sell various retail banking products and generate leads
• Capture complaints and forwarded them to service quality team
• Maximize returns and minimize risk and enhance relationships for the bank
• Training new joiners for the Islamic Banking Services and Products.
• Provide a daily report for the abandoned calls and reports for login and log out time.
• Monitoring the recordings to be published for the customers through online system Testing
• Translating Interactive Voice Respond (IVR) for the products and the activities for the Bank.
• Assist in projects assigned by the team leaders and managers for the overall improvement of the department.
Position: Call Center Agent

Employer: Vodafone Egypt
Sep 2007- August 2008
• Answers inquiries by clarifying desired information; researching, locating, and providing information
• Resolves problems by clarifying issues; researching and exploring answers and alternative solutions
• Implementing solutions; escalating unresolved problems
• Fulfills requests by clarifying desired information; completing transactions; forwarding requests
• Sells additional services by recognizing opportunities to up-sell accounts; explaining new features
• Keeps equipment operational by following established procedures; reporting malfunctions
• Enhances organization reputation by accepting ownership for accomplishing new and different requests
Education
Professional certificates
• Certified Islamic Finance Expert 2014 – AIMS UK
• Master Diploma in Islamic Finance 2015 – AIMS UK
• Master Business Administration in Islamic banking and Finance 2016 –AIMS UK-
Attested by California University -USA
Academic certificates
• Bachelor Degree of English Arts – Minia University 2002-2006
• Post Graduate Diploma in Translation- Minia University 2009-2010
• English Conversation Courses –the American University in Cairo (AUC) 2004-2006
Skills
• Analytical skills
• Sales and negotiation
• Strong communication and presentation
• Ability to work under pressure
• Leadership and team management
• Knowledge of financial principles and practices
• Honesty and Reliability
• Proficient with Microsoft Office—Word, Excel, PowerPoint, Outlook

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Abdulkhalek Tharwat

Nationality: Egyptian Driving License: Available

Position: Executive Retail & SME collection and remedial

Position: Team Member –Core Banking Transformation System (T24)

• Administer everyday operations for all sales activities.

Position: Customer Service Representative

Position: Call Center Agent

Position: Call Center Agent

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