Sadiq A. Al-Mal Allah

Date of Birth: 17/10/1980 MOBILE +966500951633 Marital Status: Married OFFICE: +9664119700-9631 E-MAIL:[email protected]

Objective Seeking a challenging position in a good organization where professional education and experience in Accounting & Credit Card Operations will be of maximum use. Experience Riyad Bank: 2004-present: Consumer Lending Officer – Credit Card Operations- ( Team Leader )

Roles and Responsibilities : 1. Managing the Credit Card Documentation Department. 2. Assist all the units in Credit Card Operations Dep.: New applications/ Chargeback/Fraud/ Documentations/Fulfillment/ Processing and Integration. 3. Comply with SAMA Credit Card rules and regulations 4. Draft and review the credit policy and procedures for credit cards 5. Manage day-to- day workflow, MIS and management reports. 6. Communicate with other units/channels of any outstanding issues. 7. Handling the (Telesales Program). 8. Participate in the issuance of SME (Small Micro Enterprise) Cards project. 9. Participate in the issuance of Purchasing cards project. 10. Preparing the Credit Card Application Forms (Required fields/terms & conditions…) 11. Participate in some of consultant companies programs with the bank (such as Booz & Company/Six Sigma) 12. Participate in the campaign plans. 13. Handling the operation Losses & Fraud cases for Credit Card Operations. 14. Handling the Key Risk Indicator (KRI) Report. 15. Develop and implement all the Service Level Agreements (SLA) for Credit Card Operations. 16. Handling all the tests for CRs (Change Requests) for any development or new changes in the credit card systems. 17. Giving presentations/training to the staff (branches & back office) for any new policy/procedures/ new changes/new card types … 18. Handling the Credit Card Operations Dept. Plans & monitoring it. 19. Preparing the Incentive reports for the Dep. Staff. 20. Representative of CCO in the new system project (Card Inventory Management). 21. Representative of CCO in the new project for the new process (CDA) with FICO Company. 22. Main contact person in Riyad Bank for SIMAH users. 23. Enhancing, monitoring, controlling and managing end to end process/actions and all related issues. (Data entry at Branches into Seibel up to Card Activation) 24. Responsible for closing all Audit/ Risk/SAMA/SIMAH and Compliance exceptions. 25. Enhance the consistency of the credit decision for all the staff 26. Assist the credit card operations manager to analyze root cause of main staff weaknesses/problems, and take the optimum solutions.

Al Shaya International Trading Company : 2003-2004 : Accountant at Finance Dept. Roles and Responsibilities : 1. Responsible for the reconciliations with the bank statements. 2. Responsible for preparing the credit payments. 3. Ensure payments are made promptly within payment terms of purchases and contracts. 4. Review processed checks and other payment documents before they were submitted to authorised signatories. Education 2002 Institute of Public Administration KSA, Al Riyadh Diploma in Accounting with Excellent Grade (GPA of 4.26 out of 5).

Computer Skills 1. Microsoft Applications: MSWord, Excel & Power Point. 2. FDI (First Data International) Sys & RDC. 3. Vision Plus (First Data International) 4. (Fair Isaac) products (credit Desk). 5. Credit review system from SIMAH. 6. Seibel from IBM Oracle System. 7. ArcMate System (Archiving System).

Other Skills 1.Time Management 2.Creative Thinking 3. Problem Solving 4.Analytical skills 5.Supervisory and Coaching Skills 6.Verbal and written Arabic & English communication 7.Quick Learning 8.Interpersonal communication skills 9.Multiple Tasks performance

Training & Courses

7 habits & Focusing Mayadin Training Center 2011 Competency Workshop Riyad Bank 2010 Certified in Human Relationship Dale Carnegie Training 2009 Problem Solving and Decision Making I.O.B 2008 Supervisory and Coaching Skills I.O.B 2008 Credit Cards in Shariah Compliant Banking I.O.B 2008 Certified of 6 Sigma Yellow Belt Riyad Bank 2007 Money Laundering Riyad Bank 2007 Principles of Banking Al-Tawail management consulting & training 2007 Report Training I.O.B 2006 Detecting Counterfeiting Methods in I.O.B 2006 Signatures & Documents Specialized Islamic Banking Products Riyad Bank 2005 Finance & Purchasing Departments Dr. Suleiman Al Habib Medical Centre 2002 English & Computer Courses (Summer Training) at King Faisal University 2002 English Course (Summer Training) at Saudi Aramco 2001

Contact Address Date of Birth: 17/10/1980 MOBILE +966500951633 Marital Status: Married OFFICE: +9664119700-9631 E-MAIL:[email protected]