Reporting to Group Treasurer- Liquidity Planning driven by metrics to manage competing priorities- reduce risk, maintain liquidity and enhance yield- Long Term Debt Management - Banking Relationship Management- FX & IR Risk Management through hedging solutions- Macroeconomic Reporting- Treasury Governance- Policies, Procedures, DOA- Arranging Bank Facility Limits (Term Loans, WC, RCFs)- Cash Management & 13-Week Rolling Cash Flow Planning - Supervision of Treasury Ops - Financial Modeling including Feasibility Studies- Treasury Reporting automation and dashboards modeling in Power BI

(Reported to CFO - Middle East/Global Treasury Head)Responsible for managing Treasury Function for UAE & KSA Fund RaisingOptimization of Capital structureRisk ManagementBanking Relationship Supervision of Treasury Operations - Cash Management and Debt Portfolio Management.Cash Flows Projection Review and AnalysisReporting for Senior Management and Board.Investment ManagementAutomation Projects and Cost Saving Solutions

(Reported to CFO) Cash Flows Forecasting & Analysis. Fund Raising and Loan Restructuring. Treasury Operations - Cash Management and Debt Portfolio Management. Investments Management. Risk Management. Banking Relationship Management. Reporting including Power BI reports. Feasibility Analysis and Business Plan. Cost saving solutions. Technological solutions to speed up processes.

(Reported to Group Finance Director)Group’s Cash Flows Preparation & Analysis:o Prepared budget cash flows for the company and at the same time performed sensitivity analysis based on various factors relating to interest rate risks, default risk (from customer payment history) , occupancy risk.o Cash flows are also prepared project wise to monitor the cash deficit / surplus from various projects and reported to the management for their review and action. Treasury Operations core work:o Cash Management.o Monitoring accounts and checking whether interest and other transaction charges, charged by the banks are in line with the facility agreements.o Debt Outstanding reporting, monitoring due dates for payments and assuring sufficient funds in respective accounts.o accessing options for refinancing/hedging and then providing updated cash flows to see its impact.o Reviewing Valuation Reports of Investment properties.o Covenant testing as per each facility requirement.o Preparing/arranging any reports required by banks on regular basis. Facilities:o Executed refinancing with the objective to reduce finance cost and relax the principal repayment to align with the company cash flows and to obtain extra liquidity to use as equity contribution for coming new projects. Budgeting & Reporting including data management:o streamlining inputs for preparation of consolidated budget.o Preparing regular reports & presentation on cash flows and budget updates for management.o generate systematic reports relating to operational cash generating sources to get a clearer picture of performing and non-performing sources. Feasibility Analysis:o Successfully completed feasibility analysis on various real estate projects mainly school, residential apartments and villas.o Analysis were purely quantitative and used mainly cash flows, NPV and IRR trends including benchmarking data for various assumptions.

(Reported to Group Treasury Manager)❖ Cash Flow preparation for head office, consolidation & analysis for group.❖ Worked under Treasury manager from start to end on a syndicated Facility to refinance all existing facilities, an interim short term Bridge Facility with the objective to cover cash shortage and reduce finance cost.❖ Managing Loans Portfolio for the whole group.❖ Interest Rate fixing for intra Group debt services using cost of funds.❖ Cash Management and day to day cost reduction analysis.❖ Credit Scoring Model❖ Financial Covenant testing for the facilities.❖ LTV monitoring and reporting to Treasury manager to get mortgage released if possible.

● Improving fundamentals of U.A.E banking Sector● Local Market investment opportunity in the GCC countries.● Analysed Kuwaiti currency Basket and developed a working model to get the CBK fixing rate.● Developed Cross Currency Swap model in excel.● GCC Economic handbook