Khadija Telli

About

Proficient in utilising digital technologies to achieve impactful legal, technical, and financial communication assets. Proven background in credit risk analysis within banking and automotive industry. Out-of-box thinker and articulate communicator with excellent leadership, relationship-building, and interpersonal skills. Highly analytical and diligent professional with hands-on experience in translating information/documents from English to French and Arabic and looking for new challenges and expand my experience in translating/interpreting and editing contents.

Experience

Ford Credit Europe

Apr 2019 – Present

Manchester, UK

Credit Risk Specialist – French, Swiss, and Belgium Markets

Serve as Subject Matter Expert (SME) for French and Swiss Markets and support dealer credit teams with completing high-level credit files for over $60M in finances. Track high-risk borrowers by reporting liquidity and financial risks; propose risk mitigation strategies for approval by credit committees. Identify risks from floor-checks and assess/incorporate prevention strategies into dealers' account administration. Complete month-end reports and assist European risk management and FCE accounting with loss provisions and budgeting. Keep track of dealers in legal proceedings with help of Legal Affairs', external Legal Advisors, and Insolvency Practitioners. Manage operational issues and implement innovative solutions to ensure seamless flow of activities. Protect Ford Credit Assets with no losses for assigned portfolio of dealers. Key Contributions/Achievements: • Evaluated legal and commercial documents in French and obtained legal affairs' validation. • Drafted letters and emails in French as well as translated communications from French to English to support dealers and third parties for informed decision-making. • Ensured timely execution of all control requirements and risk mitigation strategies. • Planned and led monthly meetings with Ford of France to explore high-risks and potential network changes. • Earned "On the Spot Award" in 2022 as well as "A Truth Badge" in 2021. • Improved FCF's security position by negotiating and obtaining increase in security from French High-risk dealers. • Initiated the automation of treatment of account check process and flagged 161 TOA discrepancies. • Completed comprehensive rewrite of Desk processes for publications by the Centre of Excellence department. • Played a key role in contacting the dealer, supporting debt reschedules, and obtaining cash information to anticipate any liquidity issues. • Played a key role in building a strong relationship between Ford Credit in Manchester and Paris and Ford of France.

Ford Credit Europe

Mar 2018 – Mar 2019

Manchester, UK

Credit Risk Analyst – French Market

Conducted financial analysis of Ford franchised Dealers and fleet clients to provide clear and succinct assessments to credit committees for fully informed credit decision-making. Managed dealer loan portfolio as per relevant timelines, procedures, regulations, and legal and regulatory framework, including the essential compliance checks of RPS, PEPs, and KYC. Key Contributions/Achievements: • Ensured effective administration of operations and timely submission of credit packages for approval by liaising with European Commercial Risk Management, Legal, Compliance, and other business units. • Enabled approvers’ informed decision-making by analysing dealers' financials and creating diligent reports. • Raised several anomalies for KYC and bank guarantees and then escalated to the Dealer Credit analyst. • Helped non-natives French speakers with improving language skills. • Supported and trained new wholesale department staff and played a key role in team development.

Ford Credit Europe

Sep 2016 – Feb 2018

Manchester, UK

Wholesale Administrator – French, Swiss, and Belgium Markets

Managed inbound calls from dealers and responded to queries via email both in French and English. Updated management on various factors impacting the achievement of the project and organisational deliverables by creating and submitting diligent reports. Managed morning cash posting and processed all payment transactions in Ford Credit system. Balanced all financial records by start and end of the month. Reconciled outstanding entries between ledger and Ford Credit in-house system by investigating discrepancies and reporting to reconciliation team. Actively contributed to overseeing the payment process to India-based team. Key Contributions/Achievements: • Supported dealer credit team in resolving queries associated with dealer facilities, payment, and vehicle registration. • Updated dealer’s credit lines in Ford Credit system according to credit releases provided by dealer credit team. • Received “Top Achiever” award in 2017. • Recognised as the first team member, attending the cross-training between wholesale and collections. • Identified technical glitches collaborated closely with IT team to ensure streamlined flow of operations. • Amended 25+ items in the French wholesale checklist and crafted French working instructions integrating new processes, enhancing team efficiency. • Recalculated interests of 90 vehicles and created credit notes to refund the interest overcharged for 22 dealers.

Aegis, Outsourcing UK Ltd

Jun 2015 – Aug 2016

Manchester, UK

Bank Complaints Handler – The Royal Bank of Scotland and NatWest Bank

Investigated and resolved three complaints on daily basis by leveraging banking systems and databases. Collected, managed, and maintained all records with high accuracy and integrity. Performed accurate redress calculations using relevant support tools in line with client and regulatory guidelines. Produced rational report detailing investigations and conclusions. Key Contributions/Achievements: • Ensured prompt and diligent resolution of complaints and achieved quality testing results set by the Bank. • Remained abreast of relevant group policies and regulations. • Created and disbursed final resolution letters to customers in line with the Financial Conduct Authority and the Financial Ombudsman Service governance.

DJS Research

Dec 2014 – Apr 2015

Strines, UK

Market Research interviewer

Managed a high volume of outbound calls to contact French and Arabic business prospects and conducting market research telephone interviews on behalf of numerous companies. Extensively deployed CATI survey software for information collection and handling. Key Contributions/Achievements: • Collected company data in French, made linguistic changes in French questionnaires, and maintained acquired information with high accuracy. • Translated surveys from English to Arabic as well as from French to English and logged data into an in--house system.

Education

University La Sorbonne-NIOLC - Paris

Jun 2010 – Present

Bachelor's Degree: International Trade, languages: Arabic and English, Business

University La Sorbonne - NIOLC - Paris

Jun 2009 – Present

Bachelor's Degree: Majoring in Arabic (civilisations, cultures, and societies of the Arab World), literature

Jean-Lurçat High School - Paris

Jun 2004 – Present

Business and Technology Education Council (with Honours), Business

Jean-Lurçat High School – Paris

Jun 2002 – Present

A-Level: International trade (with Honours), Business

General

Job Categories

Help & Support

General

Job Categories

Help & Support

Skills

Languages