Khalid Sindi Email and Phone Number
As a senior risk management professional with over two decades of hands-on experience, I have dedicated my career to mastering the art of credit risk, portfolio management, and risk analysis. Specializing in both Islamic and conventional banking, I have successfully navigated the complexities of overseeing large transactions, engaging with public sector entities, and ensuring adherence to stringent regulatory frameworks.📊 My journey has equipped me with the tools to lead cross-functional teams, providing strategic oversight on risk management frameworks that optimize portfolio performance and mitigate financial losses. Whether it's reviewing complex credit proposals or managing transactional risk across diverse sectors, I bring a comprehensive understanding of the risk landscape and a commitment to safeguarding business objectives while driving growth.🔍 Key Highlights:• Expertise in leading large-scale transactions and ensuring alignment with both business goals and risk appetite.• Proven success in conducting in-depth risk assessments, offering strategic recommendations that influence senior management decisions.• Skilled in regulatory compliance, ensuring that all actions align with both Islamic and conventional banking standards.• Passionate about mentoring and developing future leaders, fostering the next generation of risk management professionals.💼 Over the years, I have collaborated with global firms and institutions, translating complex financial data into actionable insights. My ability to simplify intricate risk challenges has led to successful restructuring of non-performing loans and the creation of frameworks that enhance overall portfolio health.🌱 I'm committed to continuous learning and innovation in risk management. Whether I'm coaching emerging talent or developing a new risk framework, my approach is always strategic, data-driven, and results-focused.📢 Let's connect! I'm always open to discussing innovative risk management strategies, collaborative projects, or leadership opportunities. Feel free to reach out if you'd like to learn more about my journey or discuss how I can contribute to your organization's success.
The Saudi National Bank - Snb
View- Website:
- alahli.com
- Employees:
- 2766
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Svp - Risk, Senior Manager Credit Risk (Rsco3)The Saudi National Bank - Snb
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Svp - Risk, Senior Manager Credit Risk (Rsco3)The Saudi National Bank - Snb Apr 2021 - PresentJeddah, Makkah, Saudi Arabia• Reviewed and approved complex credit proposals for Structured Financing Division (SFD), Institutional Banking Division (IBD), and Corporate Banking Division (CBD), ensuring alignment with risk appetite and regulatory frameworks.• Managed transactional and portfolio risk across diverse sectors, balancing profitability and credit risk, resulting in optimized credit exposure and portfolio performance.• Conducted client calls and site visits to assess financial health, identify potential risks, and strengthen relationships, leading to improved credit decision-making and enhanced risk mitigation.• Ensured compliance with Risk Management policies, standards, and practices across business divisions, promoting adherence to regulatory guidelines and minimizing risk exposure.• Provided targeted coaching and mentoring for business units, including high-potential SCO candidates, fostering talent development and building future risk leadership within the organization.• Collaborated with business units to establish and enhance risk management frameworks, focusing on the approval, measurement, monitoring, and analysis of credit risk to strengthen overall risk governance.• Led efforts in restructuring non-performing loans and problem credits, successfully reducing non-performing loans and provisions, while preserving client relationships and mitigating financial losses. -
Agm, Regional Risk Manager (Rsco2)Samba Financial Group Jan 2019 - PresentWestern• Implemented group credit policies and procedures, ensuring high-quality, efficient, and seamless credit processes, while tailoring them to meet local regulatory requirements and market conditions.• Maintained the quality of the loan portfolio during rapid expansion, optimizing risk-adjusted returns and minimizing credit loss rates through proactive risk management.• Regularly updated local credit policies to reflect country-specific conditions, target markets, and portfolio quality, aligning with regional strategy and ensuring regulatory compliance.• Established an Early Alert Process and implemented comprehensive portfolio MIS to enhance risk monitoring, support internal audits, and ensure timely and accurate reporting to the head office.• Developed and maintained end-to-end credit management capabilities, from loan origination to remedial management, ensuring risk controls are appropriate for portfolio size and complexity. -
Svp - Risk, Senior Credit Officer (Rsco3)The National Commercial Bank - Alahlincb Mar 2016 - Dec 2018• Reviewed and approved complex credit proposals for Structured Financing Division (SFD), Institutional Banking Division (IBD), and Corporate Banking Division (CBD), ensuring alignment with strategic risk objectives and regulatory guidelines.• Managed transactional and portfolio risk for large-scale transactions, balancing risk and reward to optimize portfolio performance while adhering to the bank's risk appetite.• Played a key role in shaping business strategy by setting risk appetite, advising on new product development (e.g., Real Estate Program), and aligning risk management with overall business goals.• Reviewed and recommended Target Market (TM) and Risk Acceptance Criteria (RAC), ensuring that credit risks were aligned with business objectives and market opportunities.• Conducted client calls and site visits to assess borrower creditworthiness, identify potential risks, and enhance risk decision-making, improving the overall quality of credit assessments.• Ensured strict adherence to Risk Management policies, standards, and practices across all business divisions, minimizing risk exposure and enhancing compliance with regulatory frameworks.
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Risk, Senior Credit Officer (Rsco4)The National Commercial Bank - Alahlincb Nov 2013 - Mar 2016• Reviewed and approved complex credit proposals for the Corporate Banking Division (CBD), ensuring alignment with the bank's risk appetite, credit standards, and regulatory guidelines.• Actively managed the risk of transactional and portfolio activities, optimizing risk-adjusted returns while minimizing potential credit losses.• Contributed to the formulation of business strategies by setting risk appetite and advising on new product development, such as the Real Estate Program, to align risk management with business growth.• Reviewed and recommended Target Market (TM) and Risk Acceptance Criteria (RAC), ensuring credit risk policies supported strategic objectives and market conditions.• Conducted client calls and site visits with Relationship Managers (RMs) from CBD to assess borrower risk, enhance client relationships, and improve credit decision-making.• Ensured adherence to Risk Management policies and standards across business units, assisting in the implementation of best practices for the approval, monitoring, and management of credit risk.
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Credit Risk ManagerThe National Commercial Bank - Alahlincb Jun 2012 - Nov 2013• Reviewed credit proposals for Corporate Banking Group (CBG) customers, identifying key risk areas, strengths, and weaknesses, and providing actionable recommendations for Senior Credit Officers (SCOs) with clear rationale.• Participated in Credit Indicative Approval (Green Light) and Credit Review Team (CRT) meetings, delivering detailed credit risk evaluations and collaborating with business units to assess potential credit risks.• Conducted client calls and site visits alongside business teams to gain deeper insights into clients' credit needs, future plans, and business development opportunities, improving the accuracy of credit assessments.• Ensured strict adherence to Risk Management policies, standards, and practices across business units, reinforcing compliance and effective risk control mechanisms.
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Risk Rating & Portfolio Reporting ManagerNcb Jun 2008 - Jun 2012• Supervised a team of four risk rating officers, guiding them in conducting comprehensive qualitative and quantitative analysis to accurately determine client risk ratings.• Approved final risk ratings by conducting in-depth financial analysis, identifying weaknesses or deficiencies in customer financial statements, and recommending appropriate rating upgrades or downgrades beyond the risk model's output.• Prepared detailed risk analysis reports for top Corporate Customers, outlining key risk factors and presenting findings to the Head of Risk Management – Corporate & Private Banking and Senior Credit Officers (SCOs).• Reviewed and approved comprehensive credit portfolio reports, including risk rating migrations and weighted average portfolio reports, providing explanations for rating changes and portfolio trends to senior management.
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Senior Officer, Risk RatingNcb Jun 2001 - Jun 2008
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Risk Officer(Credit Control Department)Ncb Jan 2000 - Jun 2001
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Supervisor Quality Control(Financial Accounting)Ncb Jan 1999 - Jan 2000
Khalid Sindi Education Details
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Bachelor Degree Of Accounting
Frequently Asked Questions about Khalid Sindi
What company does Khalid Sindi work for?
Khalid Sindi works for The Saudi National Bank - Snb
What is Khalid Sindi's role at the current company?
Khalid Sindi's current role is SVP - Risk, Senior Manager Credit Risk (RSCO3).
What schools did Khalid Sindi attend?
Khalid Sindi attended King Abdulaziz University.
Who are Khalid Sindi's colleagues?
Khalid Sindi's colleagues are Syed Ishaq, Ayman Maghrabi, Salwa Almubarak, Abdallah Alsalum, Sylvestre Daniel, Nada Al Ghamdi, Mishary Al Shammari.
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Khalid M. Sindi
Saudi Arabia
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