Financial Services professional with 12+ years of experience, combining an MBA with a Computer Science engineering background. Delivers measurable results for leading banks across KSA, the UAE and the wider GCC, spanning cards and payments modernization, AI and data-led transformation, and the launch of liability, lending and digital products worth over SAR 1 billion. Works across retail, commercial and Islamic banks, capital markets, central banks and regulatory bodies, and insurance.
Banking Transformation
Reshaping operating models, journeys and P&L for retail, commercial and Islamic banks.
Cards and Payments
Modernizing card issuance and management, and end-to-end platform migrations.
Data and AI
Analytics portfolios, ML models and segmentation that turn data into growth.
Hands-on machine-learning work that supports banking growth, risk and customer experience, built in Python.
Mass-segment customer segmentation
K-means clustering to define actionable retail micro-segments for targeted growth initiatives.
Credit-risk scoring, PD model
Probability-of-default model to support underwriting and portfolio decisions.
Retail churn prediction
Early-warning model flagging at-risk customers for proactive retention.
Next-best-action recommender
Recommendation engine matching customers to the most relevant product or offer.
Financial Services
MBA
Let's connect
Follow along for perspectives on banking transformation, cards and payments, and data and AI in financial services across the GCC.
Based in Riyadh and working across the GCC. The fastest way to reach me is email or LinkedIn.