● Member with the right to vote in the Executive committee, Assets Liabilities management Committee ALCO, Audit Committee, and Credit Committees.● Facilitate Board meetings and General assemblies.● Part of establishing the bank to reach eight branches, capital fundraising, and IPO, implemented accounting and financial reporting systems and expanded banking products including requirements, commissions, and fees.● Pioneered exceptional decision-making to cope with crisis resolution and business continuity.● Implemented the Financial Reporting Standards (IFRS 9), including the development of financial and statistical models relating to the calculation of the probability of default PD, loss given at default LGD and the expected losses El, update of models continuously, and supervision of the reports issued in this regard.● Built organizational capabilities, identifying nurturing talent, and ensuring proper coaching to build an inclusive winning unstoppable one-team culture.● Continuously rebuilt the teams due to the high handover rate during the crisis, and ensure a high level of professionalism, and empowerment to guarantee the quality of operations.● Part of implementing digital transformation to ensure customer experience, facilitated operations, and process improvement. (E-payment and Cards, automated Credit granting process, Credit analysis, Grading system, and financial institutions' Grading System…)● KPI improvements in the last 5 years: Net Equity + 66%, Net Interest Income +68%, Net Commission Income +55%, Net Profit +145%, Non-Performing loans -11%, CAR +20p +50%, Share value +157%

Job Responsibilities● Prepared and created an effective five years business plan and budget, monitored and supervise the annual budgets of departments, units, and branches, discussed the targets progress reports, flagged the variations and reasons, and developed key performance indicators KPIs.● Supervised the cost analysis of new and existing products and projects and then submitted reviews.● Liaised with a wide range of stakeholders to align varied interests throw financial reports & business analysis.● Oversaw the treasury department for the management of the bank’s assets and liabilities, investment in the capital and debt market, and Money market evaluating risk on and off-balance sheet, and ensuring adequate liquidity.● Oversaw the credit administration department for credit approvals, credit lines, exposure, portfolio quality, credit score, and classification. ● Managed the financial institutions and international department to build and develop relations with correspondent banks, and facilitate the bank operations in investment, money market, trade finance, and transfers.

● Executive committee member for Syria operation.● Functional and disciplinary management of 16 persons.● Pioneered financial policies, accounting operations, procedures, audits, and standards.● KPI Improvement in 2 years EBIT +30%, double-digit sales growth, overdue debts -36%.● Implemented a full-scope ERP system with all modules.● Established the reporting procedure directly to Henkel headquarters in Germany. ● Reduced overall operating costs -by 30% by restructuring and reorganizing of operations of the newly formed entity without loss of productivity or continuity.● Directed monthly financial reports package uploaded to Henkel worldwide via SAP System.● Annual budget, rolling forecast, Quarterly update, company contribution, Cost centers, receivables aging reports, provisions of bad debts to Henkel Group.● Coordinated with external auditors KPMG and Deloitte and assisted in the compilation.

● Part of the establishing team of IBTF as one of the first private banks in Syria.● Researched and decided on branch locations and ensured all needed logistics.● Executed HR policies and job descriptions and handled the entire recruitment process including screening, training, and onboarding.● Pioneered financial analysis, annual budget, and quarterly forecasting.