Alshunaifi - Credit Manager - Riyadh, Riyadh Province, Saudi Arabia

Mohammed Alshunaifi

Riyadh, Riyadh Province, Saudi Arabia


Credit Manager


-authenticate information provided on the application.
-check credit history to determine worthiness according to credit policy.
-analyze financial information and collateral
-determine amount of loan.
-determine security.
-make decision.

Work History

General Manager

Riyadh Installments Company

January 2006 - October 2013

AS GM, I handled all aspects of the company..i.e bank finances, sales,credit&collection and day to day activties and people management.


Riyadh Installments Company

From January 2006

was established in the last quarter of year 2002 under the umbrella of Al-Theyab Group founded by late Mr. Hmoud Ibrahim Al Theyab. The company is involved in financing the consumer needs through leasing and installment solutions. Since January 2006 the balance sheet of the company has increased more than 3 times while maintaining the steady growth in profits.

My job functions include the following:

- Maneuvering management activities to run the operations of the company smoothly and effectively.
- Formulating business strategies and plans to increase sales.
- Evaluating new projects.
- Handling credit facilities by negotiating with banks to obtain funds economically.
- Implementation of new MIS i.e. Oracle ERP in the company.

Credit Department Manager

Al-Yusr Installments Company

January 2002 - December 2005

Al-Yusr Installments Company is part of Al-Issa Group of companies. The company is responsible for providing finance the credit sales of the whole group through installment and leasing solutions.

Main Job responsibilities included: -

• Overlooked the whole credit operations kingdom wide.
• Evaluation of the changing credit environment and revising the company's policies accordingly.
• Managing the overall credit risk of the company.

Assistant General Manager -Sales

Hamad Abdullah Al-Essa & Sons Co

June 1998 - December 2001

The company is whole sale dealer for Electronic appliances of Hitachi, Gibson Craft, Haas and Ocean.

Job responsibilities Includes: -

• Set sales targets and goals for sales and service units.
• Preparing annual budget.
• Constant review of area of improvements within the company to enhance the company's market share.

Ibrahim Al Shunaifi & Co

April 1996 - June 1998

The company was a family owned establishment and was founded back in 1987. It is involved in dealing in foodstuff and children toys.

Senior Manager Card Credit


January 1993 - March 1996

Work responsibilities Included: -

• Credit Application Approval
• Review of credit risk.
• Maintaining credit and collection parameters with the responsibility of managing three executives and thirty five clerical staff.

Branch Network Manager

Saudi Fransi Bank

January 1990 - December 1992

Work responsibilities Included: -

• Incharge of setting up targets and annual budgets for branches.
• Development of comprehensive final model to monitor business indicators related with branches' performances.
• Also took care of feasibility studies for branches, ATM locations, which implied thorough study of banking market and competitors' activities.

Assistant Manager

Saudi American Bank SAMBA

I started as Financial Analyst and moved to Visa Operation Supervisor when this section was newly established and subsequently promoted as Assistant Manager - Retail Credit.

• Incharge of credit risk evaluation in small business section, which implied preparation of credit approvals "CA" for the retail clients of the bank.


new computer system for installment company.

-supervised and assisted moving data base of Riyadh installment company to a new oracle based system.
-particpated in creating C list when with SABB.

Qualifications & Certifications

Alyamamh high school-riyadh

Business Administration

Whitworth College

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