Muath Alhubaysh , Retail Credit Risk Manager

Muath Alhubaysh

Retail Credit Risk Manager

Saudi Awwal Bank

Location
Saudi Arabia - Riyadh
Education
Bachelor's degree, Industrial Engineering
Experience
3 years, 9 Months

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Work Experience

Total years of experience :3 years, 9 Months

Retail Credit Risk Manager at Saudi Awwal Bank
  • Saudi Arabia - Riyadh
  • My current job since November 2023
Senior Specialist Retail Credit Risk at Alrajhi Bank
  • Saudi Arabia - Riyadh
  • February 2021 to October 2023

- Monitor personal finance and credit card loans portfolio, analyze and identify potential risks that will lead to an increase in the NPL, and reporting in detail about how the portfolio performs on a monthly/quarterly/annual basis.

- Perform risk assessment and review assessment on the credit proposals, exercise credit judgments and make credit recommendations and/or decisions.

- Review retail credit risk policies and lending standards, monitor compliance with SAMA regulations and rules.

- Evaluate and assess credit exception applications, state all the related risks and deviation, and make appropriate recommendations for the applications that not in line with the internal policies.

Analyst at KAFAA Efficiency Excellence
  • Saudi Arabia - Riyadh
  • December 2020 to January 2021

Analyze the productivity of assembly lines.

• Use some methods to analyze the problem and improvements.

• Redesign the distribution of manpower in the assembly lines to be fully utilized.

• Achieved SR 144K saving per year.

Performance Engineer at Obeikan Commercial Printing
  • Saudi Arabia - Riyadh
  • June 2019 to August 2019

• Perform load tests to validate system performance and stability.

• Make a master plan for the project.

• Define and analyse the problem.

• Used some methods to analyse the problem and improvements like Travel chart - Man machine diagram.

• Analyze tests results and work with Developers and Engineers to perform bug fixes.

• Provide technical assistance to improve system performance, capacity, reliability and scalability.

• Perform root cause analysis of performance issues and suggest corrective actions.

• Evaluate system performances and recommend improvements.

• Generate periodic performance reports for management review.

Education

Bachelor's degree, Industrial Engineering
  • at King Saud University
  • May 2020

Project: Design, development, and investigation of mobile floor cleaning apparatus.

Specialties & Skills

Decision Making Skills
Time Management
Analytic Thinking
Credit Risk
Risk Analysis
COMMUNICATION SKILLS
MICROSOFT OFFICE
PROBLEM SOLVING
Time management
Process improvement
Risk analysis
Teamwork
Risk management
Attention to detail
Critical thinking
Engineering
Risk Assessment
Analytic thinking
policies and procedures

Languages

Arabic
Native Speaker
English
Expert

Memberships

Saudi Council of Engineers
  • Industrial Engineer
  • July 2020

Training and Certifications

Financial Analysis (Certificate)
Date Attended:
June 2021
Corporate Banking Credit Risk Certification (Certificate)
Date Attended:
April 2021
Retail Banking Foundations Professional Exam (Certificate)
Date Attended:
February 2021

Hobbies

  • GPA: 4.63 / 5.00, and excellent grade with honors degree