على أبوالرحى

Risk-Led Transformation and Authority & Regulatory Compliance in Corporate Environment
• Led financial governance, treasury oversight, & capital structure optimization within a complex transformation environment.
• Designed and executed enterprise capital restructuring reducing leverage from 28.0x to 1.8x, significantly strengthening
credit profile and financial stability.
• Supported enterprise budgeting & business planning processes to align financial strategy with risk & liquidity considerations.
• Led enhancing cash flow resilience and liquidity planning through restructuring of financial obligations.
• Managed regulatory engagement with ZATCA and CMA, ensuring compliance and strengthening governance frameworks.

Commercial Risk Impact, Funding & Exposure Optimization:
• Negotiated and restructured SAR 36M exposure with National Bank of Kuwait (NBK) and SAR 412M exposure with the
Saudi Industrial Development Fund (SIDF), reducing short-term liquidity pressure and improving long-term sustainability.
• Negotiated and restructured SAR 100M facility with Saudi Awwal Bank (SAB) and reduced the funding cost from
SIBOR+2% p.a. to SIBOR+1% p.a., strengthening the facility structure and reducing cost (positive impact on financials).
• Negotiated and restructured exposures with key suppliers from current account payable to long-term account payable with
long-term strategic agreements, improving pricing and payment terms and optimizing working capital and operating margins.
• Negotiated and restructured exposures with key customers, improving pricing and payment terms and optimizing working
capital, operating margins and recoveries.

Strategic Transactions & Value Protection:
• Following successful deleveraging the company from 28.0x to 1.8x, supported SAR 200M private equity investment (40%
equity stake), strengthening capital base and reducing financial risk exposure.
• Led the development of the DCF valuation model, supporting investor negotiations and risk-informed decision-making.

• Oversaw SAR 12B+ corporate exposure across 225+ companies, ensuring disciplined credit approvals and adherence to risk
frameworks for project finance and corporate banking portfolios.
• Evaluated complex syndicated and bilateral financing structures with a focus on downside risk protection and value creation
sustainability.
• Advised (executive) credit committees and corporate banking leadership on risk appetite alignment, risk-return optimization,
portfolio quality, and capital preservation strategies.
• Contributed to the development of the target market strategies and risk acceptance framework, aligning credit growth
initiatives in dynamic market conditions with the enterprise risk appetite and portfolio risk tolerance.

• Managed SAR 4B+ distressed and non-performing corporate credit portfolio across 20+ companies, improving recovery
outcomes and portfolio quality.
• Led designing restructuring and turnaround strategies for complex exposures including non-performing loans related to fraud
cases, enabling effective recovery maximization with long-term relationship value.
• Negotiated restructuring agreements with lenders, legal advisors, auditors, and executive committees to maximize recovery
value and minimizing Expected Credit Loss.
• Implemented risk mitigation strategies and frameworks, strengthening portfolio resilience and recovery performance.

• Managed SAR 1.8B+ corporate credit portfolio across 18+ large enterprise clients, strengthening corporate banking
relationships and expanding portfolio value.
• Structured credit solutions including bilateral and syndicated facilities, supporting corporate needs for working capital,
operating, and capital expenditure financing.
• Supported growth of corporate client base while maintaining credit risk standards.
• Developed junior credit management leadership responsible for SAR 800M+ portfolio exposure, strengthening operational
credit monitoring capacity.

- Reporting to a Team Leader (Vice President and Credit Officer) in parallel with a Region Head (Senior Vice President and Senior Credit Officer) on a credit portfolio of about USD 250 Million (new and existing names); along with managing and coaching credit analysts being developed and led to become Assistant Relationship Managers.
- Understanding and evaluating companies’ business models, legal structures, ownership structures, organization structures, management structures & competencies, accounting policies, internal control components, and main accounting cycles relevant to clients’ actual and projected financial statements.
- Creating a Wholesale Training Manual on Banks focusing on Corporate Banking Groups; and providing two week training program to the entry-level employees in the training program of Gulf International Bank.

KPI achievement:
- Booking three new names
- Increasing performing assets by about 50%.

- Reporting to a Team Leader (Vice President and Credit Officer) on a credit portfolio of about USD 230 MM.
- Participating in the review and enhancement of the Lending Guidance to Construction Contracting Companies of National Commercial Bank.
- Participating in the review and enhancement of the Real Estate Lending Program of National Commercial Bank.
- Restructuring about USD 27 MM facilities on a proactive manner for one of the accounts; including facilities for real estate, telecom and general construction contracting activities; generating upfront restructuring fee of about USD 0.3 MM and increasing the marginal spread by 1% across the funded facilities.

KPI achievement:
- Khobar-NCB: achieving about 100% of 2015 annual KPI by June 2015.
- Jubail-NCA: achieving about 140% of 2014 annual KPI by increasing performing assets by about 60% and generating about USD 4 MM net profit.

- Reporting to Team Leader (Senior Vice President) on a credit portfolio of about USD 110 MM; and supervising two credit analysts.

KPI achievement:
- Booking new facilities of about USD 54 MM for strategic two names with more than 20 subsidiaries and affiliates; with potential increase of USD 100 MM in the facilities.

- Reporting directly to Senior Credit Officer (Division Head & Assistant General Manager).

Jan 2009 to May 2010:
- Assisting heavily in the management of a remedial credit portfolio of about USD 173 MM.
- On a proactive basis, leading international and regional banks in restructuring process of a syndicated weakening account. This has generated about USD 0.3 MM restructuring fee and marginal spread has increased by 1.25% across funded facilities.
- Liaising with internal and external legal counsels for reviewing, designing and approving facilities agreements and securities.
- Designing and executing Conditional Personal Guarantee.

KPI achievement:
- Top 10% of Samba Financial Group.

Jan 2008 to Dec 2008:
- Assisting heavily in the management of a credit portfolio of about USD 430 MM generating a net profit of about USD 7 MM.
- Booking new assets from the primary and secondary markets in the MENA.
- Applying for and getting required regulator’s, Saudi Arabian Monetary Agency, approvals to open bank accounts and to grant facilities to non-resident companies.

KPI achievement:
- Top 10% of Samba Financial Group.

Apr 2007 to Dec 2007:
- Reporting directly to Division Head (Assistant General Manager and Credit Officer).
- Assisting heavily in the management of credit portfolio of about USD 100 MM generating a net profit of about USD 2 MM.
- Conducting in depth credit analysis and assisting in the relationship management; including interacting with clients and internal departments.
- On a proactive basis, personally booking USD 267 MM depositary relationship and USD 267 MM brokerage relationship.

KPI achievement:
- Top 10% of Samba Financial Group.

Nov 2006 to Mar 2007:
- Attending Samba Professional Program that has about 30 bank courses including Credit Analysis, Accounting Basics, Financial Analysis, Treasury Products, Cash Management Products, Retail Products and Costumer Services.
- Ranking the top of the Program among 25 trainees.

- Coop-trainee reporting to various management levels including a signing partner.
- Practicing with PwC assurance teams in conducting quarterly reviews and annually audits of clients. This includes auditing the fixed assets, receivable, payable, STL and MTL accounts and supervising the annual stock counts.
- Translating the accounting standards of the Saudi Organization of Certified Public Accountants from Arabic to English.
- Translating quarterly reviewed and annually audited financial statements from Arabic to English.