Senior Cash and Credit Risk Analyst at Algorithm Pharmaceutical Manufacturers March 2016 - Present Appointed to build a new function specialized in cash and credit risk management. The objective of this function is to cater for regional risks that impact the financial profitability of the Group. Collaborated to draw the roadmap of this function covering the management of financial risk, cash, funding and banks relationship. # Set processes and controls, document and implement in line with the group requirements focusing on: • Credit risk, Accounts Receivables and Collections: Set a process in place and standardized a monthly meeting with stakeholders which eased flagging and monitoring areas at risk to set action plans • Cash Reporting & Management (Liquidity management): Establish a reporting system to provide information to manage and analyze cash flows with the aim of automating issuance # Manage the group monthly accounts receivables through coordination with stakeholders to ensure credit limits are not exceeded and set collection targets to cover projected disbursement and maintain cash situation # Drive improvements in cash management operations in line with company policies and procedures in order to maximize the utilization of the company financial resources # Develop automated solutions for monthly reporting # Flag potential liquidity issues and propose solutions to initiate appropriate corrective actions # Self-manage specific projects and run ad-hoc analysis constantly to support executive management decision # Provide information to management by consolidating and summarizing data, preparing reports as needs arise, presenting findings, analysis, and recommendations where needed # LC Management of sales in countries at risk to ensure zero discrepancies Financial Analyst at Algorithm Pharmaceutical Manufacturers April 2014 - March 2016 (2 years) #Financial Analysis: • Established and maintained new forecast tracking and management reporting process to improve availability and accuracy of financial data • Monitored revenues and expenses against budget and shared findings with concerned stakeholders and proposed improvement actions where needed Page 2 • Identified areas at risk or of underachievement and areas for improvement and liaised with marketing and sales teams in addition to the functional owners to develop recommendations and propose action plans • Maintained risk assessment sheet throughout the year # Budget Approval and Financial Monitoring / Budget Process Management • Led the budget cycle from P&L validation till budget approval on a departmental and business segment level including staffing and hiring plans by working with department heads and senior management • Conducted analysis to pressure test financial viability of P&L by testing against benchmarks and guidelines • Created numerous tools to help in the accurate assessment of the operational requirements and improve financial forecasting • Developed and maintained 3 year P&L and product database including the pipeline and cash flow # Spend Effectiveness / Other Strategic Projects – Projects handled cover GCC and Near East markets • Improved bottom line profitability by the yearly study of product portfolio performance and flagged underperforming and/or value diluting products followed by suggested action plan with Sales, Marketing, Regulatory and Technical departments • Led the “Free of Charge product disbursement” project and put a system in place by developing, documenting and implementing a business process (Analysis, Diagnosis, Recommendation and Implementation) • Led the “Payment Automation Process” on Oracle to eliminate the use of time, complexity, paper work and cash use • Performed add-on analysis to support executive management decisions • Ran specific projects with spend effectiveness and optimization scope Junior Financial Analyst at Algorithm Pharmaceutical Manufacturers September 2011 - April 2014 (2 years 8 months) • Managed and presented the quarterly and monthly financial reporting cycle to the executive team • Conducted required analysis to assess financial performance of Algorithm (budget planning & preparation, database maintenance, issue risk sheet, monitoring and follow-up on corrective actions) • Analyzed and interpreted monthly variances between budgets, actual, prior results and forecast in order to monitor and maintain spending controls • Collaborated in company-wide initiatives to improve expense efficiency and effectiveness; “Lean” Project focused on freight and campus expenses • Provided financial support and analysis to technical, sales and marketing areas for strategic business decisions and cost savings initiatives Junior Accountant at Algorithm Pharmaceutical Manufacturers June 2010 - August 2011 (1 year 3 months) • Recorded the company’s financial transactions on the related Oracle Modules • Prepared the payable, receivables & bank accounts data for reconciliation purposes, statistical reports for management needs and Debit Notes to suppliers & bank transfers Page 3 Education Saint Joseph University of Beirut Bachelor of Science (BSc), Gestion des Entreprises, 2007 - 2010 Holy Spirit University of Kaslik - USEK Master's degree, MSc, Finance, 2011 - 2014 Collège des Frères Maristes Champville  

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