Experience

SAUDI FINANCE

• Saudi Arabia
• Financial Services
• 1 - 100 Employee

• Head of Credit & Risk - Abu Dhabi Islamic Banking (ADIB) Subsidiary Saudi Finance Company (SFC)

  • Apr 2021 - Present

  Riyadh, Saudi Arabia Managing portfolio credit risk through establishing and updating credit policy manual for existing and new products within the frame of SFC risk appetite, local regulations and market competition targeting a healthy as well profitable portfolio with steady growth Supervising the application processing in compliance with the authorities delegated to Head of Credit & Risk and in accordance with credit policy, procedures and product programs for all Retail & SME finance… Show more Managing portfolio credit risk through establishing and updating credit policy manual for existing and new products within the frame of SFC risk appetite, local regulations and market competition targeting a healthy as well profitable portfolio with steady growth Supervising the application processing in compliance with the authorities delegated to Head of Credit & Risk and in accordance with credit policy, procedures and product programs for all Retail & SME finance proposals Responsible for portfolio management through monitoring the performance of different products through daily, weekly and monthly MIS reports to identify early warning signals, and take corrective actions if needed in addition to the following tasks: Provide valuable guidance to business-based products/segments performance for SFC to target suitable potential and lower-risk segments Deliver vital analysis to the Risk & Credit Committee, through a monthly credit pack for each product, segment, region, income band, etc. & MOB as well as vintage analysis Track performance triggers and caps set in each product credit program and escalate any breaching in addition to promote significant recommended actions Present crucial and detailed quarterly risk reports to Saudi Central Bank (SAMA), as per regulation Accountable for implementation of operational risk management pillars such as Business Risk & Control Committee (BRCC), Risk & Control Self-Assessment (RCSA), Control Testing, Fraud Risk Management and Incident (Operational Loss) Reporting & Management Show less



Beehive P2P Limited with Gulf International Bank (GIB) Partnership

• Senior Credit Risk Manager - Beehive P2P Limited with Gulf International Bank (GIB) Partnership

  • Nov 2019 - Mar 2021

  Riyadh, Saudi Arabia ● Managing Beehive KSA and Bahrain’s credit function and delivering high quality credit analytic reports ● Gathering financial information (bank and financial statements) assessing, analyzing and interpreting complicated and consolidated client data ● Undertaking detailed credit risk assessment analysis, and when required visiting client premises ● Identifying potential fraudulent applications, in order to protect the reputational and financial interests of Beehive KSA and Bahrain’s… Show more ● Managing Beehive KSA and Bahrain’s credit function and delivering high quality credit analytic reports ● Gathering financial information (bank and financial statements) assessing, analyzing and interpreting complicated and consolidated client data ● Undertaking detailed credit risk assessment analysis, and when required visiting client premises ● Identifying potential fraudulent applications, in order to protect the reputational and financial interests of Beehive KSA and Bahrain’s investors / platform ● Presenting credit proposals to Beehive Credit Committee demonstrating strong communication skills articulating all known material and significant risks Show less



Zain KSA

• Saudi Arabia
• Telecommunications
• 700 & Above Employee

• Senior Analysis Investment Specialist Analyst

  • Feb 2019 - Nov 2019

  Riyadh, Saudi Arabia ● Analyze historical financial statements at both the subsidiary and parent company level ● Perform fundamental financial analysis to assess the company’s overall performance ● Evaluate future financial stability of investment projects and conduct evaluations of liquid & illiquid asset classes ● Conduct research related to global/macro events, Saudi economy, and capital markets ● Formulate an investment recommendation based upon a cohesive investment thesis



Tassnief

• Saudi Arabia
• Capital Markets
• 1 - 100 Employee

• Rating Analyst

  • Apr 2018 - Feb 2019

  Al-Riyadh Governorate, Saudi Arabia ● Credit rating of corporate (Small, Medium & Large) for bank facilities and market securities ● Risk assessment include analyzing both quantitative and qualitative factors of corporate which include financial statements analysis, financial forecasting, management depth and experience, strategic position, peer comparison and industry research ● Visit the client’s factory/office for data gathering, information and understanding of business through rigorous management interactions along… Show more ● Credit rating of corporate (Small, Medium & Large) for bank facilities and market securities ● Risk assessment include analyzing both quantitative and qualitative factors of corporate which include financial statements analysis, financial forecasting, management depth and experience, strategic position, peer comparison and industry research ● Visit the client’s factory/office for data gathering, information and understanding of business through rigorous management interactions along with resolving conflicts arising from the client on data requirements, analysis and interpretation of ratings assigned ● Undertake regular surveillance and performance monitoring of rated entity ● Preparing detailed reports with recommendations and presenting it before a rating committee alongside writing rating rationale and press releases for the ratings assigned Show less



Saudi Industrial Development Fund - SIDF

• Saudi Arabia
• Financial Services
• 700 & Above Employee

• Credit Analyst

  • Jul 2014 - Apr 2018

  Riyadh ● Evaluate and analyze financial statements by applying crucial and informative financial tools and equations ● Communicate with relationship managers for Small and Medium Enterprises (SME) at various banks to analyze SME’s from various industries and sectors ● Assess SME’s management through reviewing its previous and important financial and business decisions and help them grow and prosper into a successful enterprise ● Analyze enterprises completed, on-going and future projects to… Show more ● Evaluate and analyze financial statements by applying crucial and informative financial tools and equations ● Communicate with relationship managers for Small and Medium Enterprises (SME) at various banks to analyze SME’s from various industries and sectors ● Assess SME’s management through reviewing its previous and important financial and business decisions and help them grow and prosper into a successful enterprise ● Analyze enterprises completed, on-going and future projects to evaluate the clients’ prospect earnings, critical decision-taking skills and overall acceptable management practices ● Conduct site-visits to clients, who defaulted on their loan-payments with the bank by visiting the enterprise to provide valuable consultation services Show less