Start-ups, Microfinance, Financial Inclusion, Ethical Finance
A detail orientated risk leader with over 15+ years banking experience in top tier banks across different regions and disciplines, and with a distinct reputation in delivering risk and regulatory initiatives, managing large teams and multi-million dollar programmes
Heading the Risk Architecture function within Credit Risk Management,
accountable for the following areas: RAROC, International Subsidiary Risk
Oversight. Reputational, Strategic and Shari’ah Non-Compliance Risk,
Model Risk Data Management Framework and Regulatory Reporting,
Credit Risk System Tools, and System
RAROC & Risk Analytics
• Responsible for designing the RAROC methodology inline with industry
best practice
• Setting and enforcing the RAROC hurdle rates and RAROC targets,
incorporating the Bank’s strategical financial growth, considering
Industry benchmarks (WACC), revenue, assets/liability, Cost of Risk and
Capital (SA-CCR. CR, Market Risk, Operational Risk)
Non Financial Risk
• Synchronising Risk Appetite with new policies for Reputational, Strategic
and Shari’ah Non-Compliance Risk
• Setting up performance measures and monitoring practices against
approved benchmarks
• Advising Board Risk Committee on the effective management of the
above risks
International Subsidiaries
• Maintaining oversight on Credit Risk Management for Non-UAE
subsidiaries
• Reviewing and approving credit risk policies
• Periodic monitoring of portfolio and aligning exposures with Head Office
appetite and quality measures
Model Risk Data Management Framework
• Establishing and maintaining a robust data management framework
inline with the Central Bank of UAE model management standards and
guidelines
• Advising on methodologies to capture model risk metrics (Default Rates,
LGD, Collateral, Recoveries)
• Reporting model risk data to regulatory and external bodies (CBUAE and
Al Etihad Credit Bureau)
Credit Risk Systems & Tools
• Managing the budget for the maintenance, and improvement of the
Credit Risk systems (Credit Lens, ECAMs, IFRS9, Model Risk DB)
• Transforming the systems landscape through introducing new platform
implementation and streamlining existing processes
• Maintenance of risk dashboards, platforms for credit risk reporting
• Representing Risk on numerous committees for the approval of new
initiatives, and capital expenditure
Start-ups, Microfinance, Financial Inclusion, Ethical Finance
Football, Gym,
On the first day of Ramadan 2022, a huge fire engulfed Somaliland's largest open market, I then mobilised a team of volunteers, setup a gofundme account and liaised with the Somaliland attache, ministers and local media (Islam Channel) and successfully raised a significant amount.