RM for Credit Assessment & Debt Collection – Leadership, Expertise, & About Us
Our Leadership & Core Competencies
RM for Credit Assessment & Debt Collection is a Licensed Bahraini Company led by the Head of Credit Risk, Mr. Abdelhady Metwaly, a senior banking expert with over 18 years of experience in Corporate and SME finance. He previously served as SME Center Manager at one of the region’s leading banks, where he supported corporate clients, SMEs, exporters, and government initiatives through tailored financial analysis and structured credit solutions.
Our dedicated team includes corporate banking professionals with deep expertise in Creditworthiness Assessment & KYC, Project Viability Evaluation, Debt Recovery, Financial and Cash Flow Analysis, and Credit Advisory Services. We are committed to delivering high-quality, results-driven support and ensuring the long-term success of our clients.
About Us
We specialize in enhancing the quality and size of credit portfolios for targeted clients. Guided by the principles of “Prevention is better than cure” and “Trust but verify”, our primary goal is to help our clients increase their sales and revenues by encouraging them to expand their credit sales or facilities, but in a safe and well-controlled manner. We achieve this by mitigating risks and reducing future losses through the provision of accurate and reliable reports, along with tailored recommendations for credit-granting entities, enabling decision-makers to make informed choices regarding both prospective and existing customers through due diligence, business verification, and credit rating.
In parallel, we also provide
debt collection services in Bahrain, including debt restructuring and rescheduling, to support the recovery of outstanding receivables from current defaulters while maintaining the commercial relationship. Additionally, we offer project, business activity, and operational evaluation services, including analyzing ventures that have not generated profit since their establishment, assessing them thoroughly, and delivering comprehensive and precise recommendations and adjustments to ensure their success. We also provide credit advisory and
financial planning services for companies, supporting their ability to improve financial performance and make effective, sustainable strategic decisions.
Our Vision
To become the chosen Credit Advisor & Debt Recovery partner in Bahrain, Saudi Arabia, the UAE, Qatar, Oman, Kuwait, and Egypt.
Our Mission
To empower our clients to build and grow their Corporate and SME credit portfolios while mitigating credit risks & reducing default rates by providing innovative tailored solutions.
Our Targeted Clients
We primarily target exporters, public sector entities, large private sector companies offering credit sales, banks, finance and leasing companies, and all entities that provide support, credit facilities, or supplier facilities to their Corporate and SME clients across Bahrain, Saudi Arabia, the UAE, Qatar, Oman, Kuwait, and Egypt.
Our Goals in Supporting Credit Growth and Sustainability
- Enhancing our clients’ profitability by expanding their customer base while mitigating credit risks and reducing default rates.
- Increasing the volume of local and cross-border credit facilities and supplier facilities, thereby enhancing trade activity by strengthening the confidence of credit providers and suppliers in their corporate clients both locally and internationally.
Our Responsibility in Supporting SMEs and Vision 2030
Credit Challenges Facing SMEs
SMEs play a pivotal role in driving economic growth and creating job opportunities, yet they continue to face real difficulties in obtaining financing and supplier facilities due to limited credit data and the challenges of proving their creditworthiness.
We recognize that assessing the creditworthiness of this segment requires a specialized approach that differs entirely from the traditional methods used in corporate or retail finance, given the nature of their operations, the size of available data, and the level of associated risks.
Empowering Serious and Ambitious Businesses Through Fair Solutions
We work to bridge this gap by providing specialized credit assessments and accurate reports that support lenders and suppliers in making safer decisions. Our solutions help serious and ambitious SMEs secure fair financing opportunities by highlighting their true capabilities and presenting a clear, accurate picture of their creditworthiness to investors, financial institutions, and suppliers. This enables them to grow and expand their operations with confidence.
Supporting Vision 2030 Economic Objectives
Our approach aligns with the goals of Vision 2030 by empowering the private sector, promoting the growth of SME, and increasing their economic contribution through improved access to financing and enhanced competitiveness and long-term sustainability.
