Head of Enterprise Risk Management

• Apr 2023 - Present

Manager / Enterprise Risk Management

• Feb 2021 - Mar 2023

- Being fully responsible for the implementation, assessment, and validation of the macroeconomic models related to stress testing scenarios identification. - Responsible for the preparation and presentation of the stress testing report to the senior management and board of directors. - Assigned as a member of the IFRS9 development team responsible for the periodical development of the IFRS9 related models. - Responsible for the development, periodical enhancement of the risk-based pricing models based on the bank’s overall risk cost and market related costs. - Assigned as a member in the interest-rate risk of the banking book (IRRBB) implementation team. - Responsible for the creation, implementation, and development of the risk appetite framework in addition to the periodical preparation of the risk appetite dashboard to the senior management and board of directors. - Assessing the investment desk team in the investment decisions, Bonds investment and hedging related decisions by preparing multiple forward looking stress scenarios for the investment book before and after the investment or hedging. - Supervising market risk, credit risk, and asset quality related reports delivered to the senior management and board of directors. Show less

Enterprise Risk Senior Specialist

• Jul 2020 - Feb 2021

❖ Context establishment:- Assess and document Saudi Payments internal and external context by reviewing all relevant internal and external and strategic risk related documents and identifying the internal and external factors that should be considered in risk identification and evaluation.- Support the ERM Manager or Director during the Risk Policy and Risk Strategy review process, collect information and provide inputs, as required, support the changes feasibility assessment with the impacted units; in addition to, Implementing any required ERM Framework changes, according to the guidelines defined adopted by the ERM Director.❖ Framework Development:- Assist in developing, updating & Implementing Saudi Payments risk management framework and internal controls and the identification of the required risk appetite that will enable Saudi Payments to achieve its strategic objectives.❖ Strategic Risk Identification:- Prepare a risk identification questionnaire aimed at detecting technology or strategic risks that might affect the achievement of short and long - term goals in coordination with relevant functions.- Assess cross - functional impact of each operational or strategic risk and provide risk categorization options to minimize the risks in a more efficient way.❖ Strategic Risk Analysis and Evaluation:Conduct workshops with relevant stakeholders as per plan to identify operational or strategic risk root causes and consequences and prepare a strategic risk analysis report accordingly.❖ Strategic Risk Treatment and Monitoring:Assist in the identification of appropriate treatment plans for operational or strategic risks in coordination with relevant stakeholders, define the target Likelihood and impact of operational or strategic risk and prepare a risk portfolio report accordingly in a timely and effective manner. Show less

Operational Risk Senior Specialist

• Sep 2019 - Jul 2020

❖ Support the ERM Manager or Director during the Risk Policy and Risk Strategy review process, collect information and provide inputs, as required, support the changes feasibility assessment with the impacted units; in addition to, Implementing any required ERM Framework changes, according to the guidelines defined adopted by the ERM Director.❖ Framework Development:Assist in developing, updating & Implementing Saudi Payments risk management framework and internal controls and the identification of the required risk appetite that will enable Saudi Payments to achieve its strategic objectives.❖ Operational Risk Identification:- Prepare a risk identification questionnaire aimed at detecting technology or strategic risks that might affect the achievement of short and long - term goals in coordination with relevant functions.- Assess cross - functional impact of each operational or strategic risk and provide risk categorization options to minimize the risks in a more efficient way.❖ Operational Risk Analysis and Evaluation:Conduct workshops with relevant stakeholders as per plan to identify operational or strategic risk root causes and consequences and prepare an operational risk analysis report accordingly.❖ Operational Risk Treatment and Monitoring:Assist in the identification of appropriate treatment plans for operational or strategic risks in coordination with relevant stakeholders, define the target Likelihood and impact of operational or strategic risk and prepare a risk portfolio report accordingly in a timely and effective manner. Show less

Senior Credit Risk Analyst

• May 2017 - Sep 2019

Risk analyst at Riyad Bank – Credit Division​ ​ Corporate Credit ManagementCorporate portfolio Analysis Section Assumed the following responsibilities: • Preparation, presentation and discussion of weekly, monthly, semiannually and annual Portfolio Quality reports to senior management and Board of directors ( Asset Quality Report, weekly movement in loan portfolio, risk appetite statement and dashboards, All SAMA Ad hoc and periodical portfolio reports and regulatory and rating agencies reports ) • Recommending Economic Sector Ceilings limits to the Board of directors for approval and their subsequent monitoring.• Proactively interact with other units in the bank for better management of the risks in the Loan Portfolio.• Provide and discuss credit related data to/with External Rating agencies, SAMA and other internal units on regular basis.• Managing key risk indicators inherent in the corporate loan portfolio by sitting control checks, periodical monitoring and assigning thresholds to better control concentration risk, default risk, cost of risk etc. Show less

Credit Risk Analyst

• May 2016 - May 2017

Risk analyst at Riyad Bank – Credit Division​ ​ Corporate Credit ManagementCorporate portfolio Analysis Section Assumed the following responsibilities: • Preparation, presentation and discussion of weekly and monthly Portfolio Quality reports to senior management and Board ( Asset Quality Report, weekly movement in loan portfolio, All SAMA Ad hoc portfolio reports and regulatory and rating agencies reports ) • Proactively interact with other units in the bank for better management of the risks in the Loan Portfolio.• Provide and discuss credit related data to/with External Rating agencies, SAMA, Finance and other units on regular basis. Show less

Trainee

• Sep 2015 - Dec 2015

Trainee in management of network and information technology department Trainee in management of network and information technology department