Simon Michel

Providing freelance and fractional support in retail credit risk MIS, portfolio performance monitoring, and analytical reporting for financial institutions and fintech organizations.

Tools: SAS (Base, Enterprise Guide), SQL, and Excel.

Previous:
Eleving Group | Jul 2025 : Oct 2025 | Independent Credit Risk Analyst
> Participated in upsells' performance and a digital information bureau performa

Participated in upsells' performance and a digital information bureau performance initial reporting.

- Studying current reporting frameworks
- Introduced a solution to the daily reporting problem.
- Studying current data source.
- Working on providing requested reports for the credit risk team.

- Centralization of cross-teams’ tasks.
- Reporting and monitoring.
- Enhancement of CBE reporting process.
- Supporting core collections’ teams.
- Improvement of ODs delinquent accounts handling efficiency.

Worked as Layoff/position eliminated at Career Break.

- Handling most of the digital/business sides mainly for the lending system including coordination and business analysis.

- Staying up to date with tech products to be able to suggest better solutions and product features.

- Helping the team reach better decisions by raising flags on important points regarding development of systems in use.

- Supporting the Digital and Information team being pa

- Leading a humble team with a wide range of risk related tasks.
- As a team we managed to deliver our existing reports given multiple variables like new duties, working plans and work challenges due to covid19.

Worked as Business Planning & Analysis Manager at ADIB - Abu Dhabi Islamic Bank.

Worked as Retail MIS And Analytics Head at Al Ahli Bank of Kuwait.

- Reviving & reporting key retail products’ (Auto/Personal Loans, Credit Cards) portfolios monthly performance reports - Successfully back up and running under continuous improvement re-facilitating figures finding.

- Team coaching and experience exchange - Given the short time, colleagues have gained new techniques and experience especially in SAS programming and MS Access.

- Uncommon x-sell li

- Team’s process improvement projects - 45% more team’s bandwidth via introducing a technical twist to essential codes.

- Responsible for score based sourcing lists - 30% more sales potential using a personally refined hierarchy for list production programs.

- Deeply involved in Basel II reporting - 10% smoother reporting through better knowledge and structured procedures.

- New scorecard data

- Portfolio segmentation tool lead player - Made a tool tweak resulting in 55% more flexibility and 35% less Ad-hoc flow to the unit.

- Handling score and delinquency based selling lists - Created and applied code tidying techniques raising the chances of multiplying customers’ accounts by 5%.

- Credit products daily reporting - Maintained 90% efficient BAU under country critical conditions post

- Pre-approved lists production - Built an application to automate the release of eligible customers on daily basis which added 10% sales chance.

- Full reporting sets accountability - 20% less reporting time and effort through merging unutilized software capabilities with the ones in-use.

- Cards financial host data fetching and submission.

- Updating productivity and defect reports - Came up with a formula to consider only working days increasing the turnaround time (TAT) calculation accuracy with 75% especially for regional reports.

- Searching for incompliant customers’ trails - Shared in forming an engine for the main data file 3 times search hit possibility along with 80% search time reduction.

- Review unit’s account maintena

Bachelor of Science in Environmental Agriculture from Cairo University, completed in 2006.