Please turn on your javascript احمد - Senior Advisor, Business Sector - Social Development Bank -

Summary

Offering more than +16-years of progressive leadership experience establishing and maintaining effective internal control environment in corporate banking, small & medium enterprise, micro & small businesses, and credit risk sectors.
Decisive leader with keen aptitude for guiding design, implementation, and management of policies and procedures pertaining to corporate banking activities as well as the lending, restructuring, and rescheduling of loans. Repeated success orchestrating end-to-end project management processes for initiatives designed to improve business’ ability to manage assets, finances, and risks. Superior people relationship skills and sharp awareness of latest practices and concepts in risk management. Skilled analyst, proactive communicator, and trusted partner adept at addressing resource issues with resolute pragmatism and prompt efficiency. Poised to provide timely and accurate information to external and internal auditors and advance business goals through strategic analysis and careful planning. Possess full professional language fluency in both English and Arabic.

Accomplishments
● Pioneered execution of strategic action plans that resulted in establishment of key performance indicators (KPIs) that enabled improved monitoring processes for business objectives.
● Succeeded in leading implementation of asset management strategies that resulted in a significant increase in bank’s return on investment (ROI).
● Designing and integrating internal processes that strengthened compliance endeavours related to business continuity, auditing processes, risk management, and AML/KYC.

Experience

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Senior Advisor, Business Sector
Social Development Bank
Dec 2022 - Present

Devise business strategies that achieve profitable results for small enterprises, micro businesses, and startups as consultant for four general managers/departments with. Establish new units, inject qualified leaders, manage projects, penetrate brand-new markets, and facilitate smooth conflict resolution. Scrutinize businesses’ financial health, and implement operational changes and systems that foster more productivity, growth, and revenue generation. Develop new ways of improving quality of products, services, structures, and strategies, and guide staff in adapting to new systems while overseeing transitions associated with change initiatives. Provide advice and appropriate solutions to stakeholders after evaluating operational documents, strategies, and policies to achieve established goals. Develop financial projections and planning for both long-term and immediate purposes. Foster sustainability of business by identifying and addressing risk via risk management strategies.
 Boosted customer satisfaction and effective use of bank resources by developing objectives, engaging in strategic planning, formulating business models, and designing digital solutions that provide excellent service.
 Upgraded bank’s \"MSB\" service and efficiency by supporting creation and development of digital solutions.
 Increased sales, reduced costs, and boosted performance and competitiveness by effectively conducting comprehensive analysis to drive goal attainment; analyzed market, industry trends, and competition, and measured benchmarks.
 Guaranteed consistent growth of portfolios by developing new relationships and networking with established businesses.
 Retained business and attracted new business development opportunities (e.g., startups and entrepreneurs) by developing strong relationships with stakeholders based on integrity and trust, as well as establishing the risk and return on investment potential of various opportunities.
 Demonstrated strong communication skills during complex negotiations and transactions in private sector.

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Head of Portfolio Management Division
Al-Rajhi Bank
Aug 2020 - Nov 2022 | Riyadh, Saudi Arabia

Expanded portfolio management division’s revenue by successfully overseeing financial performance analysis and reporting, report monitoring, budget forecasting, financial plan development and asset management. Oversaw KPIs for four units, including Business Analysis, middle office unit, Portfolio Quality Management, and Management Information Systems. Established strategies for accomplishing overall bank vision and delivering on revenue targets in partnership with senior leadership teams. Developed innovative programs and boosted reach of products. Pinpointed poor performance indicators in loan portfolios, and executed risk management tactics. Identified opportunities to mitigate risk exposure and strengthen internal controls. Hired employees for key positions, and trained/mentored teams; resolved issues by promoting autonomy.
 Grew micro and small business portfolio from SAR 1.5B to SAR 11B in 2022, thus making the bank the leading competitor in the Kingdom of Saudi Arabia MSB market, by effectively leading the development of profitability strategy; introduced recruitment, compliance, development, risk management, reach, product marketing, incentive schemes, and forecasting.
 Improved business opportunities and laid groundwork for further growth and development by implementing new protocols that aligned with central bank compliance standards, and enforced AML and KYC measures.
 Enhanced quality of portfolio by identifying areas and opportunities to improve financial planning and workflows.
 Achieved bank’s revenue targets by developing and delivering strategies focused on recruitment of critical employees, product marketing and reach, and innovative schemes; strategies also focused on compliance and branch engagement.
 Coached teams in autonomously solving problems and overcoming challenges.
 Improved turnaround times by implementing procedures, policies, and protocols; this led to a reduction in structured lending product risk, increased profitability, enhanced business opportunities, and allowed for change and growth.

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Head of Portfolio Quality & Special Asset Management
Al-Rajhi Bank
Jul 2017 - Jul 2020 | Riyadh, Saudi Arabia

divp·        Led strategies to establish the Portfolio Quality & Special Asset Management division and the department structure/p
p·        Engaged with internal stakeholders and senior executive teams to evaluate short and long term business objectives/p
p·        Provide insight and recommendations on plans and initiatives to minimize bad debt and maximize portfolio performance/p
p·        Reviewed the collections portfolio characteristics, identified poor performance, & advised on improvement for risk policies/p
p·        Established, monitored, and enforced financial policies and procedures to ensure efficiency and asses strategies/p
p·        Conducted feasibility studies to evaluate status & propose the implementation of initiatives & payment settlements/p
p·        Collaborated with stakeholders RM’s, Risk Officers, and Segment Heads to implement processes and policies that led to the effective management of PDO clients & the successful collection of debts and claims/p
p·        Provided support in the optimizing of production and reviewed contract claims, and led the contract closures/p
p·        Implemented processes to identify gaps within leadership, industry, competitors, financial performance, and loan structures/p
pAchievements:/p
p®     Successfully led training, recruitment, marketing of products, product reach, incentive and referral schemes, compliance and risk management, policies, procedures, and forecasting strategies that resulted in achieving 120% of the annual target/p
p®     Successfully restructured and rescheduled processes to improve the portfolio quality, implemented strategies to extend strong Past Dues Obligations management, Non-Performing Loans, and Watch List Reports to detect early warning signs, strengthen the controls and mitigate risk exposure for SME departments/p
p®     Successfully led the Infrastructure Project as the Project Director, implemented the Credit Program Automation, CPA project that enabled effective development & enhancement of workflows and risk assessment criteria/p/div

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SME Team Leader – Small & Medium Enterprise (SME) Department, SME Group
AL-RAJHI BANK
Apr 2016 - Jun 2017 | Riyadh, Saudi Arabia

·        Drove plans to grow the portfolio by acquiring & attracting clients, increase revenue in acceptable risk profile requirements 
·        Led the execution of the portfolio management strategies and monitoring of performance deficiencies for SME
·        Maintained strong and healthy client relationships by conducting regular site and office visits to offer support and guidance
·        Mentored & motivated a team of Relationship Managers & Senior RM’s to achieve goals and resolve challenges effectively  
·        Implemented strategic risk management concepts, short & long-term business objectives, & sustainability opportunities
·        Resolved deficiencies including working past dues, overdrafts, insurance exceptions, and financial exceptions
·        Developed and maintained the team’s portfolio of SME clients, conducted detailed financial analysis of the client accounts, and prepare proposals within defined bank procedures that ensured continued relationships
·        Designed and structured trade finance and treasury transactions and facilities using analytical and constructive thinking
·        Conducted risk analysis of customers in the SME segment to appraise their creditworthiness for business financing

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Executive Manager (Team Leader) - Corporate Remedial & Restructuring Dep
Al-Rajhi Bank
Jul 2012 - Mar 2016 | Riyadh, Saudi Arabia

·        Provided oversight for classified accounts that had past dues greater than 90 days for Corporate, Commercial, and SME
·        Identified opportunities to maximize the recovery, mitigate ultimate loss and minimize eventual provision needs
·        Educated clients regarding possibilities of legal and punitive action and ramifications when payments were not cleared
·        Led recovery strategies to offer cash or by the liquidation of assets and securities, by restructuring or rescheduling borrower facilities and obtained additional securities to minimize non-performing portfolio and provisions held

Reviewed the bank performance of loans recovery & advised the leadership teams on improvements to minimize bad debt

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Relationship Manager - Corporate Remedial & Restructuring Department
AL-RAJHI BANK
Jun 2008 - Jul 2012 | Riyadh, Saudi Arabia

• Analyzed all financial statements, reviewed cash flows & all other financial data provided by delinquent customers and prepared proposals for the corporate remedial committee in accordance with standards.
• Coordinated with real estate stakeholders and ensured maximum recovery of portfolio achieved through expeditious foreclosure of mortgaged property.
• Evaluated permissible credit for clients and submitted documents to executive management for approval, post examination of all related documentation to prevent clients’ indebtedness.
• Coordinated with the clients\' for repayment of debt and implemented an action plan for remedial management.
• Regularly coordinated for customer aspects including payments schedule, valuation, documents validation, guarantees, etc.
• Ascertained the rise in profitability through extensive planning, collaborating with all customers for recovery of loans and accomplishing the departmental objectives related to recovery of classified portfolio.
• Significantly improved asset quality by restructuring/ rescheduling facilities, obtaining additional securities and recommending necessary amendments in risk rating.

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Credit Officer, Corporate Analytical Unit
Riyad Bank
May 2005 - May 2008

Education

Saudi Electronic University
Master, Masters, Masters in Business Administration, ‎
إدارة الأعمال
CGPA 4/4
2016
King Fahd University for Petroleum and Minerals
Bachelor, Bachelors, , بكالوريوس علوم في المالية‎
مالية
2004

Languages

Expert Arabic
Expert English