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He joined the Bank in 2003. He is in charge of Credit Management driving proactive Credit Management including supporting asset book growth, proactive NPL management and implementation of enhanced credit management frameworks under the Covid-19 Pandemic crisis. He has previously held the role of Director Retail & Business Banking, Director Compliance and Chief Risk Officer whereby he was in charge of Retail & Business Banking growth and supporting the Groupā€™s Compliance and Risk functions. He has over 25 years banking experience, spanning extensively across corporate, retail banking, Risk and Compliance. He holds a Bachelor of Arts Degree in Economics and has attended a number of courses both locally and internationally. He is also a director of Kingdom Securities Ltd.