Headed Retail Risk Management for Mashreq Group with retail lending operations in UAE, Qatar and Egypt. Implemented IFRS9 for loan loss provisioning for retail lending. Represented Mashreq Bank in the Retail Credit Committee of the UAE Banks Federation.

- Direct responsibility over credit, market, fraud and liquidity risk functions- Oversight over Compliance and Information Security functions - Responsibility for setting up and managing the enterprise risk management framework and for ensuring adequacy of insurance in line with risks assumed- Responsibility for business continuity management- Working under the direction of the Board Risk Management Committee to set up Risk Appetite Statement for the company - Ensuring that leading edge risk management practices relating to loan loss provisioning and capital management are adapted to suit company requirements- Playing a lead role in risk management training; personally led the charge in developing and delivering consumer credit risk, liquidity risk and operational risk management training programs

- On the Board of Directors of Permata Bank Indonesia, a full service commercial bank (one of the top 10 Indonesian banks at that time) with corporate, SME, Consumer and Treasury businesses, responsible for enterprise risk management with additional governance responsibilities for East Java- Responsibility for setting up and managing the risk management framework across all risk management families.- Managed a large team of risk management professionals across corporate credit risk, SME credit risk, consumer credit risk, special assets management, liquidity and market risk and operational risk- Responsibility for Basel II implementation, in particular Advanced Internal Ratings Based approach for credit risk

Roles included:Head, Business Risk Review - Responsibility for setting managing a team of specialists co-opted specifically for each review and ensuring a full review is performed and recommendations given to senior managementHead, Consumer and SME Credit, Singapore - Responsibility for managing a large and diverse portfolio of Mortgages, SME and Unsecured Lending. Was a member of the working committee responsible for setting up the Singapore Credit BureauHead of Risk Analytics and Reporting - Responsibility for scorecard development and monitoring for all countries in the Group; additional responsibility for Basel II implementationRoles in Branch and Trade Operations, Corporate FX Dealing, Product Management, Investment Services and Finance