Versatile and highly accomplished executive management professional experienced in service, sales management, budgeting and planning, product development, credit risk management, Islamic banking (Shariah banking), business development and full P&L responsibility with coverage across all major retail bank product/revenue lines, assets, liabilities and credit cards. Start-up specialist skilled in leading business transformations utilising retail banking, retail product knowledge, strategic insight and sharp planning skills, managing business operations impacting the top-line and bottom-line objectives. Visionary thinker with entrepreneurial attitude, an inspirational leader and outstanding team player, who creates robust strategies through a collaborative approach to translate vision into achievements; demonstrates strong analytical, problem-solving and decision-making skills with a passion for work well-done, together with the quality and ability to build productive partnerships coupled with excellent communication skills.