حسين بوحليقة

• Led the strategic design, review, and enhancement of housing finance programmes supporting national homeownership objectives across Saudi Arabia.
• Developed and refined financing solutions covering Off-Plan projects, Self-Construction programmes, and other mortgage-related products designed to improve accessibility and affordability.
• Conducted detailed financial modelling and affordability assessments to support the development of sustainable financing structures.
• Evaluated existing programme performance and identified opportunities to strengthen customer accessibility and purchasing power.
• Supported the implementation of innovative profit-based financing models designed to address changing market requirements.
• Worked closely with financial institutions to facilitate the successful integration of new housing finance products and programme enhancements.
• Served as a key liaison between housing authorities, government stakeholders, and banking partners to ensure effective collaboration and programme delivery.
• Contributed to the development of funding solutions supporting low-income beneficiaries and self-employed individuals.
• Provided strategic recommendations supporting regulatory compliance and programme governance requirements.
• Delivered market insights and financial analysis to support policy development and long-term housing sector objectives.
• Assisted with initiatives aimed at increasing homeownership rates through accessible and affordable funding mechanisms.
• Supported the alignment of housing finance programmes with Saudi Vision 2030 priorities and broader economic development objectives.

• Directed the development, enhancement, and management of mortgage, personal, SME, and commercial financing products.
• Led the integration of Open Banking capabilities into personal finance products through a strategic partnership with Spare, implementing IBAN
and National ID matching functionality to strengthen fraud prevention controls and enhance customer verification processes.
• Managed the complete product lifecycle from concept development and business case preparation through implementation and ongoing
performance monitoring.
• Orchestrated the end-to-end review, redevelopment, and governance of financial product programmes, aligning policies, procedures, and
operational frameworks with regulatory requirements while securing SAMA approvals and no-objection confirmations.
• Oversaw mortgage-backed securities portfolios exceeding SAR 1 billion and supported profitable transactions with SRC and banking partners.
• Built and maintained strategic relationships with key financial institutions and external stakeholders.
• Conducted market research, competitor analysis, and customer assessments to support future product development strategies.
• Spearheaded digital transformation initiatives focused on improving operational efficiency and customer experience.
• Led the implementation of open banking services designed to strengthen fraud prevention capabilities and support innovation.
• Coordinated the integration of external partner services and technology solutions to enhance product functionality.
• Monitored product performance and implemented initiatives that contributed to significant sales growth.
• Supported the negotiation and execution of new commercial agreements and strategic partnerships.
• Collaborated with executive leadership teams to develop credit policies and strengthen risk management frameworks.
• Ensured all product launches complied with SAMA regulations, internal governance standards, and regulatory requirements.
• Worked closely with compliance, technology, operations, risk, and commercial teams to deliver successful product enhancements.
• Supported business growth through the introduction of customer-focused financing solutions aligned with market demand.

• 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.

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.

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.

• Led the development, enhancement, and execution of mortgage and Off-Plan financing products across the organisation.
• Managed a portfolio of more than 50 Off-Plan real estate developments while ensuring alignment with commercial objectives and profitability targets.
• Developed strategies to support mortgage portfolio expansion and improve product performance.
• Contributed to significant growth within the bank's mortgage portfolio through product enhancement and market development initiatives.
• Served as Product Owner for the Off-Plan financing portfolio, leading product development initiatives that contributed to more than SAR 2 billion in financing volumes.
• Drove mortgage financing growth across multiple product categories, contributing to sales volumes exceeding SAR 1 billion per month through customer journey optimisation, UX enhancements, and strategic collaboration with marketing teams.
• Spearheaded the enhancement and governance of mortgage and Off-Plan product programmes, working closely with business, compliance, risk, operations, and regulatory stakeholders to support approvals, policy development, and implementation activities.
• Worked closely with internal departments to define strategic roadmaps and deliver product improvement initiatives.
• Led efforts to digitise financing processes in line with evolving SAMA regulatory requirements.
• Supported the introduction of digital customer journeys that enhanced lead conversion and customer engagement.
• Conducted User Acceptance Testing (UAT) activities to support successful technology deployments and system improvements.
• Collaborated with cross-functional teams to implement operational and technological enhancements.
• Utilised Moody's methodologies and financial analysis techniques to evaluate opportunities and support strategic decision-making.
• Advised management on mortgage growth opportunities, market conditions, and portfolio development strategies.
• Identified partnership and co-branding opportunities to strengthen market presence and customer acquisition.
• Supported process improvement initiatives aimed at enhancing operational effectiveness and customer experience.
• Maintained strong relationships with developers, financial partners, and internal stakeholders.

• Led business development activities for Off-Plan real estate projects across the Saudi market.
• Developed financing solutions supporting developers, investors, and property purchasers.
• Built and maintained strong relationships with developers and key industry stakeholders.
• Supported project financing initiatives that contributed to increased developer sales performance.
• Evaluated potential real estate projects through detailed market assessments and commercial analysis.
• Conducted due diligence activities using market intelligence, economic indicators, and Moody’s evaluation methodologies.
• Managed project progress through regular monitoring of milestones, timelines, and performance objectives.
• Worked closely with project teams to support successful project delivery and operational performance.
• Participated in steering committee activities focused on investment reviews and strategic decision-making.
• Produced reports and recommendations supporting business planning and investment objectives.
• Assisted with the identification of new development opportunities and market expansion initiatives.
• Contributed to maintaining high project delivery standards through proactive stakeholder 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.