Responsibilities: - Assessed company's capital structure and funding requirements with a vision to develop well-structured capital base that supports optimizing cost of capital and maximizing shareholder value to set the company up for future growth and expansion - Maintained an active cash flow liquidity forecast that streamline day-to-day operations by implementing new strategies, improving financial position with acquisition and disposal of long-term assets, meeting debt obligations, and funding growth initiatives - Strategically managed financial risks that reduce the risk of default, maintain creditworthiness, mitigate fluctuations in interest rates and exchange rates, and maintain competitiveness in global markets Major Achievements: ~ Led digital transformation initiative that revolutionized operating model from manual process to a fully integrated automated system by implementing Treasury Management System of SAP S/4 HANA cloud version ~ Tackled a debt portfolio worth SAR 12 billion across multiple currencies including interest rate hedge contracts by strategically selecting banks for seamless connectivity, revamping collection and payment channels, and streamlining reconciliation process ~ Received recognition for creating a culture of continuous learning and growth by initiating the development and implementation of a comprehensive 12-month immersive training encompassing a 360-degree approach that fostered growth of future mid-management personnel for leadership roles~ Played a pivotal role in achieving remarkable 9.0% decrease in financial charges during Q1 2023 despite the challenging backdrop of rising interest rates through strategic implementation of hedging agreements

Responsibilities: - Proactively contributed to strategic discussions that resulted in successful formulation and implementation of a robust corporate banking strategy that strengthened the bank's competitiveness, sustainable growth, and increased profitability - Led cross-functional teams to develop a comprehensive framework by defining the strategic target market, meticulously segmenting corporate banking clients, and creating policies, procedures, and processes that fueled cross-selling of the bank's products and services- Effectively executed a diverse range of funding transactions, encompassing off-balance sheet and balance sheet restructuring, merger and acquisition financing, capital expenditure and long-term financing, pre-IPO funding, asset under management (AUM), equity investments, project financing, and real estate finance while fulfilling ongoing funding needs of the organization - Provided strategic guidance to oversee a team of experts with a diverse portfolio of key elite corporate accounts worth SAR 15 billion; ensured seamless coordination and collaboration to deliver exceptional services while mitigating credit risks - Adhered to the highest standards of International Financial Reporting Standards (IFRS) accounting practices that ensured accurate and transparent financial reporting and positioned the organization at the forefront of technological advancements Major Achievements: ~ Successfully established and implemented target market criteria that resulted in significant revenue growth, increased market share, and strategic positioning of bank as a market leader in serving large corporate clients ~ Return on assets exceeded 7.4% in 2010 considering the cost of funding environment during 2010

Responsibilities: - Orchestrated successful management of dynamic corporate portfolio encompassing diverse sectors of manufacturing, contracting, and trading; skillfully navigated intricacies and demands of each industry- Proactively monitored and assessed the credit standing needs and limitations of esteemed corporate clients, expertly devised strategic credit facilities that aligned with client requirements- Maximized portfolio growth and profitability while upholding the highest standards of credit quality, operational excellence, and regulatory compliance. Optimized performance of corporate portfolio while safeguarding bank’s interests Major Achievements: ~ Received recognition for delivering valuable contributions to the establishment of the Saudi Home Loan Project that enabled ANB to provide tailored home financing solutions while ensuring compliance with regulatory frameworks and meeting strict timelines