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Khaled Osman, IFQ, is an accomplished risk management professional with extensive experience in the banking sector. Currently serving as the Head of Retail Risk Management at Al Baraka Bank Egypt since May 2022, Khaled has held similar leadership roles at MIDBANK and aiBANK, where Khaled focused on retail risk management. Khaled's career also includes significant positions at CIB, overseeing Retail Credit Quality Assurance, Application Fraud Management, and Mortgage Risk Management from 2008 to 2018. Prior experience includes a senior managerial role in retail risk management at HSBC Bank Egypt and an officer position at the Egyptian American Bank. Khaled holds a Bachelor of Commerce degree in Accounting and Finance from Ain Shams University and a certificate in Banking Credit Management from The American University in Cairo.