Hussein Buhligah

• Led the product strategy, development, and execution for a diverse portfolio of financial products, including Mortgage, Personal,
SME, and Commercial Loans.
• Successfully managed and sold mortgage-backed securities (MBS) portfolios worth over
• SAR 1 billion, generating profitable deals with SRC and other major banks.
• Spearheaded digital transformation initiatives, including the implementation of open banking services to prevent fraud and the
integration of multiple partner services.
• Analyzed product performance and managed the full product lifecycle, achieving a
• 70% increase in sales and securing new agreements.
• Collaborated with senior management to manage credit policies and risks, ensuring strict compliance with SAMA regulations for
all product launches.

• Led the strategic design and refinement of pivotal housing finance programs (Tamkeen, Mosharka, Tasheel, Takamol),
integrating innovative profit-based models and extended financing tenures to significantly enhance affordability.
• Developed advanced financial models and implemented cost optimization strategies that tangibly reduced financing burdens
and boosted purchasing power for diverse beneficiary segments, including low-income and freelance professionals.
• Facilitated seamless integration of new financing products within the financial sector by serving as a key liaison between the
Housing Support Agency and leading financial institutions, ensuring robust regulatory compliance.
• Drove alignment of housing finance policies with Saudi Vision 2030, contributing expert analysis that supported increased GDP
contribution, job creation, and expanded private sector engagement in the national housing sector.
• Pioneered the creation of accessible and affordable funding solutions, directly influencing national homeownership rates and
contributing to the financial well-being and stability of Saudi citizens.

• Led the strategic design and refinement of pivotal housing finance programs (e.g., Off-Plan, Self-Construction, Other Mortgage
Features), integrating innovative profit-based models and extended financing tenures to enhance affordability.
• Developed advanced financial models and implemented cost optimization strategies that reduced financing burdens and
boosted purchasing power for diverse beneficiary segments, including low-income and freelance professionals.
• Facilitated the seamless integration of new financing products by serving as a key liaison between the Housing Support Agency
and leading financial institutions, ensuring robust regulatory compliance.
• Drove the alignment of housing finance policies with Saudi Vision 2030, providing expert analysis that supported increased
GDP contribution, job creation, and expanded private sector engagement.
• Pioneered the creation of accessible and affordable funding solutions that directly influenced national homeownership rates
and contributed to the financial stability of Saudi citizens.

Assumes responsibilityfor managing, developing and executing a total product strategyfor highly visible mass market Mortgage Product, Personal Loans, SME, Commercial Loans, various channel deliveries as the key liaison with internal business partners, and is directly responsiblefor mortgagecredit policy andproduct guidelines. Maintains an in-depth knowledge of mortgage, personal loan, and commercial loans products, understand current industry trends and issues as they relateto designatedproduct lines.
• Develops and submits strategy plans to Product Stakeholders Manager for implementation and roll out of new and enhanced products and features across divisions.
• Digital Transformation Product & Enhancement for Kastle and Building integration API for NewGen Software along with CX and allaying with business partners.
• Effectively communicates and supports independent credit viewpoints to senior management, national underwriting, legal, compliance and both internal and external stakeholders across divisions.
• Leads and coordinates all functions and processes required to roll out products and programs including design, development, messaging, positioning, education and marketing planning effectiveness.
• Product management responsibilities across product life cycle stages (idea generation, feasibility analysis, design, development, build, marketing, validation, sustainability, and retirement).
• Maintains product backlog (backlog Identification, ownership, grooming, prioritization).
• Evaluates, analyzes new product performance to assess effectiveness of product and programs introduced.
• Responsible for credit guideline analysis relating to the sold loan portfolio. Collaborates with line of business, senior management, investors, agencies and other stakeholders, as applicable to identify risks and areas that require corrective action to assist the management committee with mitigating risks identified in the Framework.
• Utilizes research studies to shape products and servicing offerings, evaluates potential credit policy and product opportunities, and recommends the development of new policies and guidelines or modification of existing policy, procedures, programs, or products.
• Partners with the line of business to develop comprehensive interactive and illustrative guideline analysis and comparisons with identified peers.
• Interprets and enforces credit policy and product guidelines across divisions, channels, departments, internal and external customers.
• Provides oversight for line of business procedures, scorecards, information technology, marketing and other credit processes.
• Commands regular meetings with line of business, stakeholders, and credit centers to discuss and examine new or revised credit policy and product guideline updates, as well as emerging risks and opportunities.

• Strategic Vision: Develop and execute product roadmaps, ensuring alignment with business goals while
navigating the regulatory compliance and conducting insightful market research.
• As part of our digital transformation, enhancements were implemented, including integrating with Kastle and
developing APIs for NewGen Software. Upon launching our digital personal loan product, we successfully disbursed over SAR 25 million in loans within the initial month, achieving 18% of our 2024 target.
• Risk Management: Collaborating with stakeholders, assess risks, recommend corrective actions, and embed risk RACs (Risk Appetite Criteria) into our product policies. My Financial Modeling expertise adds depth to this
symphony of risk management.
• Product Lifecycle: From idea generation to retirement, manage product development stages.
• Credit Policy Expertise: interpret and enforce credit guidelines across divisions.
• Stakeholder Engagement: Regular meetings with business partners ensure alignment and risk mitigation.

Develop startup realestate division of realestate development andproduct development to establish to new line of businessfor a well-known realestateland developer.
• Define and Oversee development of the product roadmap & core features
• Lead mockups and prototype development
• Design and implement new housing idea on each variable defining the value prop (price point, the supply / demand…)
• Working on the intersection of product and marketing teams to locate and execute on opportunities
• Pursue a deep understanding of user and customer needs through research, testing and data analysis.

B2B Corporate Banking andActing as a Project Management Of icer and handling the product development and enhancement processfor theconcerned retail product Mortgage Loans in order to ensure budget and profitability are achieved
• Managing streamlined execution of overseen off-plan property over 50 off-pan projects by leading delivery, scope, timelines payments plan.
• Analyzing Financial Statement to engage in a new investment.
• Improve and execute business plan to determine long term mutual relationship with stakeholders.
• Advising the management of the concerned product Mortgage Loans to increase sales for the assets portfolio of products and continuously monitor profitability to confirm budget and profitability targets are met.
• Develop strategies and roadmaps to achieve business goals by working with development, operations, and other stakeholders
• Leading the team and UAT test cases during modification by the testing team to guarantee it covers all possible scenarios for each enhancement update in the system.
• Proactively manages task/activity timelines for milestone completion and report the completion.
• Identifying co-branding opportunities and activities (based on value recommendation) by building strategic alliances with partners
• Evolving on arranging with procurement teams all signed agreements between the bank and mutual relationship stakeholder, and supporting to availing due amount by finance and reconcile department.
• Increasing Mortgage Sales by training sales channels and maintains regular interaction with existing and potential end-users databases through all means of communications in order to certify cross selling openings can be identified and capitalize upon and met the achievement as planned.
• Enhancing end-users experience to reach the bank policy and procedure.
• Digitalizing the process flow of financing new end-users as per SAMA regulation.

• Signed off with 20 companies, amplifying Otus presence.
• Orchestrated Otus vision, in tune with board and shareholder goals.
• Passionately sculpting Saudi Arabias online payment landscape, one seamless experience at a time.

Developing and creating Saving and Investment FinTech Product (Initial Life Cycle Stage)forend-users and employers to be adapted in the Saudi Market and to befollowed in the productexecution and testing stages
• Creating end-to-end fintech product design to determine the opportunities by analyzing business and end-users needs, operational processes, research, UML.
• Designing an ecosystem: Idea Generation, Feasibility Analysis, CustomerJourney map, UX, Sales, Operations, Logistics, Commercial, Users onboarding, condition and criteria, and other functions to assess product priorities
• Establish a roadmap, and author detailed product requirements.
• Establish and maintain relationships with partners (Life-insurances, ETFs, Banks to negotiate and enable fintech solutions for the customers.
• Designing business and financial model to determine the target market, competitors, pricing and forecasting, profit generated.

• Product Creation and Design: Led development of a Saving and Investment FinTech product. Designed end-to end solution based on user needs, research, and operational processes.
• Strategic Roadmap and Prioritization: Crafted comprehensive product roadmap. Prioritized features and user
onboarding conditions.
• Partnerships and Financial Modeling: Negotiated with key partners (life insurers, ETFs, banks) for fintech solutions. Developed business and financial models for market assessment.

• Negotiated and secured contracts with 20 companies, amplifying market presence.
• Enhanced ecommerce capabilities, achieving over 70% sales growth for clients.
• Spearheaded strategic vision implementation, aligning with board objectives.

Negotiated and secured contracts with 20 companies to significantly expand market presence, while also enhancing e-commerce
capabilities and achieving over 70% sales growth for clients through a white-label payment gateway.

Led the end-to-end development of a Saving and Investment FinTech product, crafting a comprehensive product roadmap, and
negotiating with key partners while simultaneously developing business and financial models for market assessment.

• Startup Division Leadership: Established a new real estate division within a renowned land developer. Defined and executed the product roadmap, focusing on core features.
• Innovative Product Design: Led mockups and prototype development, aligning with market needs. Implemented novel housing concepts, considering price points and supply-demand dynamics.
• Collaboration and User-Centric Approach: Worked at the intersection of product and marketing teams to
identify strategic opportunities. Deeply understood user and customer needs through research and data
analysis.

• Established a new real estate division, securing partnerships with top sales professionals.
• Developed mockups and prototypes aligned with market needs.
• Implemented training materials, improving sales outcomes.

Established a new real estate division, defining and executing the product roadmap while leading innovative product design and
leveraging high-profile client relationships to secure partnerships and create KPIs that improved sales outcomes.

Acting as a Project Management Officer and handling the product development and enhancement process for the concerned retail product Mortgage Loans in order to ensure that the budget and profitability are achieved
• Managing streamlined execution of overseen off-plan property projects by leading delivery, scope, timelines & budget
• Advising the management of the concerned product Mortgage Loans to increase sales for the assets portfolio of products and continuously monitor profitability to confirm budget and profitability targets are met.
• Developing strategies and road maps to meet business objectives by collaborating with Development, Operations, and other stakeholders
• Leading the team and UAT test cases during modification by the testing team to guarantee it covers all possible scenarios for each enhancement update in the system.
• Proactively manages task/activity timelines for milestone completion and report the completion.
• Identifying co-branding opportunities and activities (based on value recommendation) by building strategic alliances with partners
• Evolving on arranging with procurement teams all signed agreements between the bank and alliances, and availing due amount with reconciling department.
• Increasing Mortgage Sales by training sales channels and maintains regular interaction with existing and potential end-users databases through all means of communications in order to certify cross-selling openings can be identified and capitalize upon
• Enhancing end-users experience to reach the bank policy and procedure.
• Digitalizing the process of financing end-users as per SAMA regulation.
• Distinguishing and acquiring new business to increase objectives and accomplishments by promoting marketing campaign.

• As part of strategic leadership, management of over 50 Of-Plan property projects ensured streamlined execution. Additionally, orchestration of product development and enhancements aligned seamlessly with
budget and profitability goals. Notably, the banks mortgage portfolio experienced a remarkable 35% growth.
• Financial Acumen: Analyzed financial statements for investment decisions advised management on increasing mortgage sales and monitoring portfolio profitability.
• Cross-Functional Collaboration developed strategies and roadmaps, collaborating with development and
operations teams and led user acceptance testing (UAT) to ensure comprehensive system enhancements.
• Stakeholder Management: Identified co-branding opportunities through strategic alliances and arranged and
supported agreements with mutual relationship stakeholders.
• Sales Enablement and Customer Interaction: Trained sales channels, maximizing cross-selling opportunities. And maintained regular interaction with potential end-users, enhancing their experience.
• Digital Transformation: Digitized financing processes in alignment with SAMA regulations and ensured adherence to bank policies and procedures.

• Provided strategic leadership for product development, enhancements, and execution, managing over 50 Off-Plan property
projects and ensuring alignment with budget and profitability goals.
• Drove a 35% growth in the banks mortgage portfolio and achieved a landmark milestone of acquiring over SAR 1 billion per
month in mortgage assets.
• Spearheaded a digital transformation by digitizing financing processes in alignment with SAMA regulations, which created new
digital interactions that streamlined lead conversion for branches.
• Led cross-functional collaboration on strategies and roadmaps, while conducting user acceptance testing (UAT) to ensure robust
system enhancements.
• Utilized Moodys guidelines for financial analysis, advised management on increasing mortgage sales, and identified co-branding
opportunities through strategic alliances.

Business developing for off plan sale real estate development companies, offering financing solutions to sell residential units during construction off plan sale products, and finding sales opportunity though Amlak sales channels.

• Pre-screening real estate marketplace to discover potential deals opportunities.
• Applying investment and financial analyses assessments and criteria.
• Overseeing the construction and sales of the projects, and empowering the team to reach the milestone on time.
• Promoting sales solutions for developers to enhance their sales, by engaging in marketing campaigns.
• Helping to develop, maintain, and report on strategic issues and investment product and distribution trends; and take a lead role in the creation and ongoing management of an active marketplace update utilized.
• Analyzing existing real estate developers portfolios and improve the sales.

• Drove business development for Off-Plan real estate projects, providing corporate financial and financing solutions that resulted
in a 50% boost in developer sales.
• Oversaw project management and construction, achieving a 97% on-time project handover rate through close progress
monitoring and milestone adherence.
• Prescreened the real estate marketplace using Moodys guidelines, market data, and economic indicators to discover and
evaluate potential deals.
• Led a team to improve, maintain, and report on strategic issues, playing a key role in the steering committee to review and meet
investment milestones.

Real Estate Business Development Manager and Of -Plan Manager Business developingfor of plan sale realestate development companies, Providing Corporate Financial and financing solutions to sell residential units during construction of plan sale products, andfinding sales opportunity thoughAmlak sales channels
• Pre-screening real estate marketplace to discover potential deals opportunities.
• Applying investment and financial analyses assessments and criteria.
• Overseeing the construction and sales of the projects, and empowering the team to reach the milestone on time.
• Promoting sales solutions for developers to enhance their sales, by engaging in marketing campaigns.
• Leading the team to improving, maintain, and report on strategic issues and investment product and distribution trends; and take a lead role in the creation and ongoing management of an active marketplace update utilized.
• Analyzing existing real estate developers portfolios and improve the sales. SABB (Saudi Arabia British Bank), Corporate Support Of icer B2B Corporate Banking Of ering commercial banks products/facilities such as (letter of credits, financial guaranteeletter, certificate of deposit, portfolio management.)

• Specialized in B2B Corporate Banking, providing commercial products and services such as (LC) letters of credit, (GL) financial
guarantee letters, and portfolio management.
• Managed a portfolio of over 300 SME banking accounts, ensuring comprehensive support and tailored solutions for clients.
• Promoted and implemented the Ministry of Finances Kafalah program, enhancing financial support for SMEs.

Offering commercial banks products/facilities such as (letter of credits, financial guarantee letter, certificate
of deposit, portfolio management.)
Prescreening and identifying potential business opportunity and contact the owner/manager to
establish relationship.
Training Al Hassa SABB branches to be aware of the commercial products/facilities that SME
department offers.
Coordinate with the branches managers for any potential opportunities and to establish new
selling channels
Coordinate with the internal bank departments to ensure all facilities are done on time.
Preparing reports/logs monthly to my head office manager in Al Khobar Head Quarter stating all
the previous commercial facilities transactions.

• Specialized in B2B Corporate Banking. My responsibilities included facilitating commercial banking products and
services such as leters of credit, financial guarantee leters, certificates of deposit, and portfolio management.

Administrating and managing branch for Photography design, Coloring B&W pictures, Printing small and large photos.