خالد نايلي

- Providing strategic and tactical support to internal stakeholders and the Board in reviewing and analyzing new businesses, transactions and processes; identifying risks and recommending solutions.
- Assisting the Board of Directors in setting risk tolerance/appetite levels of the company and monitor the actual versus plan results.
- Independently overseeing and reporting to the Board, Senior Management and Saudi Arabian Monitory Agency (SAMA) all risks arising from credit, market, operational, and political turbulence.
- Establishing of enterprise risk management framework and infrastructure encompassing credit, market, liquidity, interest rate and operational risks.
- Sponsoring the development and implementation of application and collection scorecards including Artificial Intelligence models.
- Approving credit policy and overseeing of consumer and corporate credit portfolios.
- Ensuring the capital requirements and provisions are sufficient and according to the accounting standards regulatory requirements.
- Encouraging and creating a risk awareness culture within the company and communicating the Risk Management policy, strategy and methodology among staff.
- Coordinating with senior management across different business lines to identify risk areas and come up with mitigation plans to cover these risks along with monitoring the execution of these plans properly and timely.
- Promoting and monitoring ALJUF corporate wide IT Security awareness program.
- Advising or training staff at all levels on core and on-going risk management concepts and issues.
- Liaise with Internal Audit, Compliance and Legal to remediate new and outstanding issues and risks.
- Advising on developments for sound and effective governance structure

- Handled Risk Analytics for Secured Loans (Auto Leasing and Mortgages) and Unsecured Loans (Personal Loans and Credit Cards) across Retail Banking customers.
- Designed Decision trees, Segmentation and Sampling to identify the suit pot from worst segments
- Recognized for outstanding contribution towards development, implementation and validation of NCB Basel II models: PD, EAD, LGD, Stress testing, etc.
- Validated the Risk models: Scorecards and Basel II models and evaluate their performance ensuring proper implementation on the NCB Systems.
- Maintained Retail Credit Policy to reflect the business needs and the market pressure along with the regulatory requirements.
- Key role in marketing new business through innovative strategies to acquire business growth and achieve monthly income targets.
- Performed accurate risk profiling of customers, targeted higher return segments and designed new product schemes. Helped increase the Consumer Finance division revenue by 400 SARM a year.
- Conducted comprehensive review of client portfolios, and assessed strategies based on bank’s objectives and customer’s risk profile and Efficiently managed the reporting unit and relations with other internal departments
- Tactically implemented various policy rules, scorecards and collection strategies to improve the consumer Finance Portfolio lease portfolio quality, returns and income.

- Developed around 30 internal models for customers from diverse industries / domains including: Attrition Scorecards for telecommunication companies.
- Campaign Planning and Monitoring for retail commerce and hypermarkets.
- Worked on many Loyalty Programs from design to implementation and performance tracking.
- Designed necessary Reporting and managing the results interpretation and action plan.
- Developed numerous credit scorecards for various customers from different fields including banks, telecommunications, hypermarkets, etc.

- Managed the Risk of the Italian Auto Lease Portfolio through effective reporting, forecasting, provisioning, budgeting, underwriting (acquisition scores, risk profiling, underwriting policies), collections and remarketing.
- Involved in calculating & modeling for provisions and evaluating & guiding collections.
- Assisted in decision making to minimize risks for the company as well as clients thereby ensuring client satisfaction
- Stabilized the quality as well as performance of the Italian Auto Lease line of business by implementing new acquisition roles and policy changes that helped reduce the Loan losses by 30%.
- Built and implementing the auto lease application scorecard.
- Efficiently designed and generated the reporting of the bank for the Higher Management and Identified critical areas as per risk levels