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Mohamed Al-Refaei possesses extensive experience in the banking and finance sector, currently serving as the Head of Direct Sales at Al Salam Bank-Bahrain since June 2015, where previous roles included Zone Senior Manager and Senior Manager in the Sales Department, as well as Head of the Call Center. Prior experience includes a position as Call Center Manager at BMI Bank and Branch Manager at Kuwait Finance House-Bahrain. A foundational career began at Ahli United Bank, where roles ranged from Trader in the Online Trading Department to Customer Service positions. Academically, Mohamed Al-Refaei holds a Master of Science in Islamic Finance from Coventry University and a B.Sc in Business Informatics from AMA International University, along with an Associate Diploma in Business Informatics and a Diploma from the University of Bahrain.