Hire the Best Chief Risk Officer in Dubai, United Arab Emirates

Risk professional with 15+ years of experience in the field and 7+ years of managerial experience in various financial institutions. Specialization: Risk management, Market Risk and Derivatives. My experience includes building risk control function, automating risk reporting and developing team of risk professionals. Setting and controlling risk limits with constant cooperation with trading desks. In addition I've developed several education courses on market risk management for the employees and external clients. I've completed main programs in the field of finance and risk management and received the following certificates: CFA (Chartered Financial Analyst), CQF (Certificate in Quantitative Finance), PRM (Professional Risk Manager). Completed INSEAD's executive education program (with honours).

I am an Advisor and Director and provide strategic advice and solutions on risk and business transformation for clients in the Middle East, Africa, and Pakistan. With over 40 years of experience in the banking industry, I have developed a deep expertise in emerging markets, credit risk, corporate and investment banking, and project finance. I have also served as an independent non-executive director on several boards, where I have contributed to the governance, compliance, and performance of the organizations. My mission is to help organizations build strong foundation blocks for their growth and sustainability, by redesigning their credit processes, standardizing their commercial and consumer operations, developing their risk policies and measures, and implementing their risk systems and infrastructure. I also have experience in advising on debt arrangement, restructuring, training, and corporate structures for family-owned businesses. I am comfortable in interfacing with regulators and government agencies, and have operated at the board level in various markets and regions. I am passionate about delivering value and excellence to my clients, partners, and stakeholders.

Productive employee with proven track record of successful project management and producing quality outcomes through leadership and team motivation. Works with clients to determine requirements and provide excellent service. My goal is to thrive in a dynamic and exceptional setting, where I can secure a job that not only brings me job satisfaction and personal growth but also contributes towards achieving the goals of the organization.

A risk professional with demonstrated leadership skills and recognised achievements within international banks and central banks. Brings international experience of regulation, governance and risk management, including areas of investment risk, credit risk, Risk Appetite, RRP, ICAAP/ ILAAP, limit framework, predictive analysis, capital planning, capital optimization and buffer management, sensitivity and stress testing frameworks. Purpose driven leader, motivated by meaning. Great believer in the power of capital to transform lives and passionate about impact investments as a catalyst for growth. Super enthusiastic about driving change towards a more equitable society, unlocking potential, mentoring and using my experience to give the next generation extra horsepower. Brings deep leadership experience with ability to negotiate and influence.

Lebanese, MBA, with over 40 years experience as Head of Corporate, SME, Retail and later on Chief Risk Officer in the three largest banks in the UAE. Expert in Corporate/Mid Market lending, investment products, credit analysis techniques; and considered proficient in report writing and presentation to the BOD. Has implemented Basel II/III (three pillars, credit, market liquidity/ Operations; Capital Adequacy, and impact of IFRS 9), Risk Appetite and produced Risk Models, Credit Scores and Metrics. Has made a radical improvement in two banks leading to positive financial results.Fluent in three languages including English and native Arabic. I own: - The Strategy, Plans, Budget, Policy and Procedures, Compliance, measuring and reporting, i.e. End to End - The underwriting activity, restructuring, negotiating and documentation (Corporate/SME and Retail), Credit portfolio over AED 100 Billion and retail portfolio over 50000 customers. Delegated approving authority AED 25 million. Taking daily credit decisions concerning excesses, overdue, fresh approvals.Permanent credit invitee on the BOD.Was appointed Chairman of the Internal Credit Committee and Risk Management Committee (reporting to Executive Committee BOD level). Permanent member of ALCO, Investment, and OPCO. - Leading daily Credit Department and loan closing process(158 direct reports) including credit approval, credit concentration, adherence to credit policies, performing industry reviews as required, accountable for regulatory audit, and annual disclosures, etc. - Assisting Relationship Managers to structure and negotiate loan requests, liaising with external legal, rating agencies including the Central bank of UAE. -Overseeing Credit and Market Risks of the investments portfolio including ratings and limits to ensure investments are within the bank’s objectives, risk tolerance, policy guidelines, medium-term strategy and plans - workout and restructuring of bad and doubtful debts,

Multi-faceted international banking experience in leadership positions in the UK, Middle East / GCC and Africa, specializing in : • Risk Management : Chief Risk Officer / Chief Credit Officer roles. • Client Coverage and Corporate Banking : Front office client coverage in Middle East and Africa, complimenting Risk Management expertise. • General Management : Managed multicultural and diverse teams in senior roles across three continents. CEO / Country Head at Citigroup. Specialties: Risk Management, remedial management, sovereign risk assessment, corporate governance and Board reporting, business development, corporate banking, strategy and country franchise management.

Leadership role in the establishment of enterprise risk management framework and infrastructure encompassing credit, market, liquidity, interest rate and operational risks. Provide strategic and tactical support to internal stakeholders and the Board in reviewing and analyzing new businesses, transactions and processes; identifying risks and recommending solutions. Develop, review and implement quantitative models for measuring credit, market, operational, liquidity, interest rate, strategic, reputational and legal risks as part of the internal capital adequacy assessment process (ICAAP). Specialties: Credit, market, liquidity, interest rate, operational, strategic and reputational risk management. Review and implement regulatory initiatives - Basel II / Basel III / corporate governance.

Purpose driven leader, motivated by meaning. Aims to build a connected tribe of conscious, value driven minds to elevate impact. 📌 Great believer in the power of capital to transform lives and impact investments as a catalyst for growth. Super enthusiastic about driving change towards diversity and inclusion, a more equitable society, unlocking potential, mentoring and using my experience to give the next generation extra horsepower. 📌 Provides Board / Executive management advice on complex financing constructs / investment vehicles / regulatory structuring for optimum return. Leads with strategic, commercial and risk implications. Possesses extensive experience in de-risking of businesses, forecast building and predictive analysis, risk/return optimization, corporate governance, ERM frameworks and operational resilience. Advised and led key engagements with major banks, tailoring solutions in areas of capital optimization / adequacy, stress testing, risk appetite and risk framework, and sensitivity analysis. 📌 Brings 18+ years of international experience, starting my career with Deutsche Bank, them Moodys' in Toronto before moving internationally. Areas of expertise include: creative structuring of Cos / investment transactions & risk / return equation, GP/LP structuring, credit/counter-party risk, liquidity / operational risk, limit framework, governance and policy building, investor management and multiple stakeholder relationship building. 📌 Assist and mentor startups; provide strategic guidance and recommendations, assist with decision-making and problem-solving. Close to my heart are initiatives and programmes to support young Entrepreneurs, Startups and Women in Business. I am also an advocate for connection with authenticity and integrity. I’ve had to fail many times to get it right and I am still learning every day. I do what I do passionately and with positive intent. If that aligns to you and what you’re trying to achieve let’s talk.