Hossam Ghoniem

CEO

Dubai, United Arab Emirates8 yrs 11 mos experience

Key Highlights

  • Achieved 120% of quarterly KPIs consistently.
  • Increased client retention by 30% through strong relationships.
  • Recognized for top-tier performance in debt recovery.
Stackforce AI infers this person is a skilled professional in Fintech and Banking operations with expertise in debt recovery and customer service.

Contact

Skills

Core Skills

Islamic FinanceCustomer Relationship Management (crm)Corporate Debt RecoveryCredit Risk AnalysisCollections StrategyNegotiationDebt RecoveryCustomer ServiceEvent LicensingProject ManagementCustomer SupportSocial Media

Other Skills

SalesCommercial BankingContact CentersCustomer SatisfactionInterpersonal CommunicationProperty ManagementPortfolio Risk ManagementTeamworkCall Center DevelopmentCustomer RelationsInternal Controls & ComplianceTeam LeadershipInbound MarketingAbility to work efficiently under tight deadlinesFinancial Statement Analysis

About

Over 2 year of experience in banking operations (individual and corporate), credit control, legal containment, and business criteria for banks in UAE, with a proven track record of achieving agency targets. ★ Highly skilled Assistant Team Leader with expertise in guiding teams to success. Professional Portfolios: Banking & Financial Expertise: ♦ Abu Dhabi Islamic Bank (ADIB). ♦ Abu Dhabi Commercial Bank (ADCB). ♦ Emirates Islamic Bank (EIB). Over 6+ years of experience in event licensing and coordination, combined with a strong background in credit control, legal recovery, and debt collection for leading banks in the UAE. A skilled Assistant Team Leader, recognized for expertise in customer service and negotiation.

Experience

8 yrs 11 mos
Total Experience
1 yr 7 mos
Average Tenure
8 mos
Current Experience

Adib - abu dhabi islamic bank

Islamic Finance Executive

Sep 2025Present · 8 mos · Dubai, United Arab Emirates · On-site

  • Sales Executive | CRM | Retail Banking:
  • ★ Consistently exceeded targets, achieving 120% of quarterly KPIs.
  • ★ Built and maintained strong client relationships, increasing retention by 30%.
  • ★ Generated high-quality leads and successfully closed deals with corporate clients.
  • ★ Delivered Sharia-compliant financial advisory while ensuring full regulatory compliance.
  • ★ Collaborated with marketing teams to enhance sales strategies, driving a 25% increase in new client acquisition.
SalesCommercial BankingContact CentersCredit Risk AnalysisCustomer Relationship Management (CRM)Islamic Finance+12

Derby group of companies

2 roles

Senior Collections Specialist – Loans Accounts

Promoted

May 2025Sep 2025 · 4 mos · Sharjah Emirate, United Arab Emirates · On-site

  • Senior Financial Remediation Specialist: (Abu Dhabi Commercial Bank) - Write_off
  • ★ Leading corporate debt recovery operations, focusing on high-value loans accounts.
  • ★ Monitoring and reporting portfolio risk exposure, aging analysis, and recovery performance KPIs.
  • ★ Enhancing internal controls and collection procedures to optimize recovery rates and reduce DSO.
  • ★ Performing in-depth analysis of corporate credit reports and financials to evaluate recovery strategies.
  • ★ Structuring customized repayment plans and settlements based on corporate cash flow cycles and credit standing.
Corporate Debt RecoveryCredit Risk AnalysisFinancial Statement AnalysisLoan RestructuringPortfolio Risk ManagementCollections Strategy+4

Collections Specialist - Credit Cards

Jun 2024May 2025 · 11 mos · Sharjah Emirate, United Arab Emirates · On-site

  • Financial Remediation Specialist: (Abu Dhabi Commercial Bank) - Write_off
  • ★ Identified and escalated complex or sensitive cases requiring customized handling.
  • ★ Oversaw ADCB client accounts, tracking and resolving outstanding debts efficiently.
  • ★ Achieved leading performance in 2024 through strategic recovery of aged accounts.
  • ★ Managed credit control, collections, and financial processes across the UAE for the Group.
  • ★ Consistently recognized for top-tier follow-up and effective overdue balance recovery.
  • ★ Processed payments promptly, ensuring swift clearance letters to improve AECB credit scores.
  • ★ Expert in skip tracing and high-value account recovery, including ADCB write-offs dating back to 2005.
  • ★ Negotiated settlements beyond standard terms, including long-term payment plans and account closures.
Inbound MarketingProperty ManagementNegotiationArabicLegal ProcessCommercial Banking+9

Tahseel - hadaf al khaleej debt collection

Financial Remediation Collection & Legal Recovery

Nov 2023Jun 2024 · 7 mos · Sharjah Emirate, United Arab Emirates · On-site

  • Financial Remediation Specialist: (Emirates Islamic Bank) - Buckets
  • ★ Handled debt recovery by negotiating payment plans and updating account statuses.
  • ★ Managed ~100 calls daily to contact debtors, resolve issues, and build trust.
  • ★ Coordinated with the Legal Team on default cases and provided daily progress reports.
  • ★ Facilitated settlements by negotiating terms and resolving customer queries.
  • ★ Utilized EIB systems (Dcore) and adhered to bank regulations for account tracking.
BankingInbound MarketingProperty ManagementArabicSalesLegal Process+8

Xceed

Telecom Egypt

Dec 2021Dec 2022 · 1 yr · Cairo, Egypt · On-site

  • Customer Service Representative | Xceed: (Call Center) | Dec. 2021 - Dec. 2022
  • ★ Accurately log all types of complaints.
  • ★ Validate resolved complaints to ensure customer satisfaction.
  • ★ Handle all types of Service Requests (SRs) assigned to the center.
  • ★ Minimize the recurrence of complaints through proactive measures.
  • ★ Coordinate with various departments to manage approval processes.
  • ★ Prevent escalations by ensuring timely and effective issue resolution.
  • ★ Accurately log all types of complaints & Investigate and determine appropriate resolutions.
  • ★ Process and forward all requests received via email from Relationship Managers (RMs) and internal
  • departments.
  • Achievements & Awards:
  • ★ Exceeded Performance Targets.
  • ★ Recognized as a Top Performer.
  • ★ Awarded Employee of the Month.
  • Experience Certificate Available Upon Request

Talentwm

2 roles

Customer Service Representative: (Public Relations - PR)

Feb 2018Oct 2021 · 3 yrs 8 mos

  • Customer Service Representative: (Public Relations - PR)
  • ★ Updated clients on legal changes for event permits and regulations.
  • ★ Oversaw catering, budgets, and vendor contracts for cost-effective planning.
  • ★ Coordinated travel and logistics for high-profile celebrities across the Middle East.
  • ★ Managed end-to-end event coordination, ensuring smooth operations and high attendance.
  • ★ Designed invitations, promotional materials, and proposals for 50+ annual events, including conferences and seminars.

Media Customer Support: (Social Media Specialist)

Feb 2018Apr 2019 · 1 yr 2 mos

  • Media Customer Support: (Social Media Specialist)
  • ★ Increased brand presence on platforms such as Facebook and Instagram.
  • ★ You can view my comprehensive creative portfolio on Behance for further insight.
  • ★ Created and distributed engaging written and graphic content for e-newsletters, web pages, blogs, and social media messages.
  • ★ Developed creative work, utilizing Adobe software (Photoshop, Illustrator) to produce high-quality content.
Event LicensingProject ManagementLive Event ProductionOrganization SkillsTeam LeadershipE-ticketing Application

Sutherland global collection services llc

Customer Service Representative (Remitly International Money Transfers Account)

May 2016Feb 2018 · 1 yr 9 mos · Alexandria, Egypt · On-site

  • Contact Center Agent: (Customer Service)
  • ★ Detected and escalated potential fraud cases in line with security procedures.
  • ★ Delivered clear, accurate support to ensure smooth and compliant transactions.
  • ★ Advised customers on exchange rates, fees, and transfer options (Express vs. Economy).
  • ★ Handled inbound and outbound calls for international money transfers across multiple corridors.
  • ★ Assisted customers with exchange rates, transfer fees, and processing times, explaining:
  • Express transfers: Instant money transfer with a lower exchange rate.
  • Economy transfers: Takes 3-5 days but offers a higher exchange rate.
Customer SupportAttention to DetailSocial MediaEmailAdvertisingAnalytical Skills+6

Education

Alexandria University

Bachelor of Commerce - BCom — Accounting

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