Strategic Finance & Operations Leader
Transforming SME Credit & Banking Operations Across the GCC
15+ Years Driving Digital Finance Innovation | SME Credit Specialist | Islamic Banking Expert
Core Competencies & Specialized Expertise
Proven expertise in GCC finance markets with specialized focus on Islamic banking, digital transformation, and strategic business development
SME Credit Product Design & Structuring
Designed innovative SME financing solutions tailored to GCC market dynamics, increasing portfolio performance by 40%
Risk & Compliance Oversight (UAE/GCC)
Led comprehensive risk frameworks aligned with UAE Central Bank regulations, reducing compliance violations by 85%
Islamic Banking & Shariah Compliance
Structured Shariah-compliant financial products worth AED 2.5B, ensuring full regulatory adherence
Digital Finance Transformation
Spearheaded digital lending platforms reducing processing time from 7 days to 2 hours, improving customer satisfaction by 60%
Business Case Development & Pricing
Developed pricing models that optimized margins while maintaining competitive positioning, increasing ROI by 35%
Lending Operations & Collections
Streamlined lending operations reducing NPL ratios from 4.2% to 1.8% through enhanced collection strategies
Go-to-Market Execution
Launched 12 successful financial products across GCC markets, achieving 150% of target customer acquisition
Team Leadership & Stakeholder Management
Led cross-functional teams of 50+ professionals, maintaining 95% team retention and exceeding performance targets
Professional Experience & Impact
A decade-long journey through Islamic finance, SME banking, and fintech innovation across the Middle East
GLG Inc.
Supporting Middle East SME banking innovation and CBDC infrastructure advisory
- Advised 15+ financial institutions on digital transformation strategies
- Led CBDC feasibility studies for regional central banks
- Developed SME banking frameworks adopted by 3 major institutions
- Generated $2.3M in consulting revenue through strategic partnerships
Arisaco Group FZE Dubai
Led SME supplier financing operations across KSA & UAE
- Managed $45M+ portfolio of supplier financing across GCC markets
- Reduced default rates by 32% through enhanced risk assessment models
- Established partnerships with 150+ SME suppliers in construction sector
- Implemented automated financing platform increasing efficiency by 40%
Abu Dhabi Islamic Bank
Managed Islamic SME credit portfolios and Shariah-compliant product development
- Oversaw $120M+ Islamic SME credit portfolio with 98.2% recovery rate
- Developed 8 Shariah-compliant financing products for SME segment
- Led digital transformation of credit assessment reducing TAT by 60%
- Mentored team of 12 credit analysts achieving 95% client satisfaction
Fortune Engineering & Others
Foundation roles in financial analysis and operations management
- Built financial models for infrastructure projects worth $25M+
- Streamlined accounts payable processes reducing cycle time by 45%
- Managed vendor relationships and procurement operations
Academic Foundation
MBA Finance & Accounting
Preston University
Advanced financial management and strategic analysisBachelor of Commerce
University of Karachi
Foundation in business and financial principlesProfessional Credentials & Technical Skills
Building trust through verified expertise and technical proficiency
Technology Stack
Language Proficiencies
Regional Expertise
Ready to relocate across Saudi Arabia and GCC with strong understanding of local regulatory and financial systems
Ready to Drive Your Next Financial Innovation?
Whether you're looking to transform SME credit operations, navigate GCC regulatory requirements, or launch Islamic banking products, let's discuss how my expertise can accelerate your success.
Available for immediate GCC relocation