Work History

October 2013 - Present

CBS, Tunisia

Intra-company missions focused on cost control and risk management
Supporting financial managers in implementing optimal treasury management Designing and implementing debt management strategies
Creation and management of relevant and customized dashboards integrated into ERP systems:

  • Cash and debt management in local and foreign currency
  • Risk management in financing
  • Budget management, forecasting, and adjustments
  • Microfinance institution (MFI) environment
  • International trade: logistics and payment instruments
  • International banking operations INCOTERMS and payment techniques
  • Implementation of the concept of Normative Working Capital Requirement (BFR)
  • Economic and financial diagnosis Structuring and preparation of financing applications
  • Bank guarantees and personal guarantees
  • Financing of operating and investment cycles
  • Credit file templates: from KYC to collection
  • Asset Liability Management (ALM) in financial institutions
  • Development of customized business plans and action plans
  • Action plans and performance indicators in banks
  • Roles of relationship managers, analysts, and credit officers in banks
  • Role of branch managers in financial institutions
  • Team and staff management in credit institutions & Characteristics of a manager
  • Risk management in financial institutions
  • Implementation of the concept of Normative Working Capital Requirement (BFR)
  • Economic and financial diagnosis
  • Asset Liability Management (ALM) in financial institutions
  • Roles of relationship managers, analysts, and credit officers

 

August 2023 - March 2025

Industrial Group (private group in the food packaging industry), Tunisia

Deputy Managing Director of 04 companies (Aluminum Packaging Industry, Toilet Paper Industry, Packaging Printing Company and a Distribution Center)

 

December 2019 - July 2022

Nord Afrique GMI capital, Casablanca, Morocco
  • Financial structuring through investment funds
  • Assistance to funders in project selection
  • Treasury management advisor
  • Support for the restructuring and recovery of cash-strapped companies in the context of the COVID pandemic

March 2014 - May 2018

Euroferrous FZE, Dubai, The United Arab Emirates (UAE)
  • International SCRAP trader specialized in "used rails"
  • Negotiating with national authorities for ferrous scrap market deals
  • Managing multimodal transportation logistics for procurement and delivery
  • Negotiating and implementing optimal international sales conditions Representing funding organizations
  • Collaborating with national authorities for joint venture projects

March 2010 - March 2014

Zitouna Bank, an Islamic Bank, Tunisia
  • Member of the recruitment committee for managers and employees
  • Contributing to the establishment of processes and workflows
  • Designing and adjusting action plans for sales points
  • Training new employees

July 2005 - March 2010

Habitat Bank (Network of 20 Branches), Southern and Central Region, Tunisia
  • Significant increase in Operating Income (RBE) and significant reduction in non-performing inventory
  • Expansion of the agency network and increased commitments

March 2002 - June 2005

Habitat Bank, Mahdia, Tunisia

June 2001 - March 2002

Habitat Bank, El Kantaoui-Msaken-Jemmel, Tunisia