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Mohammed Al-Saad has extensive experience in credit risk management, currently serving as a Credit Risk Manager at the Agricultural Development Fund since June 2022. Prior to this role, Mohammed held the position of Credit Risk Manager at Emirates NBD from April 2020 to June 2022, and at Banque Saudi Fransi from December 2015 to March 2020, where responsibilities included roles as Corporate Credit Risk Manager and Senior Credit Risk Analyst. Mohammed began the career at Riyad Bank as a Credit Analyst from November 2011 to November 2015, and initially worked as a PC Specialist at Arab National Bank from May 2005 to August 2006. Educational qualifications include a Bachelor of Science in Economics from the University of Oregon (2007-2011) and a Diploma in Computer Programming from Telecom and Information College in Riyadh (2001-2004).