Abdulrahman Ayman Al-Ruwaili
Riyadh,Saudi Arabia
Summary
I have 4+ years of experience in the banking sector, specializing in credit, data analysis, and retail credit portfolio performance reporting. Skilled in management reporting, builds accurate reports and dashboards that support decision-making, strengthen credit risk management, and enhance efficiency in retail credit operations. Tracks key risk indicators (KRIs) and translates complex data into actionable insights aligned with business objectives. Also collaborates with cross-functional teams to support strategic decision-making.
Overview
5
5
years of professional experience
1
1
Certification
Work history
Senior Specialist Retail Credit Portfolio Analytic
BSF
Riyadh, Saudi Arabia
06.2025 - Current
Retail Credit Portfolio Officer
BSF
Riyadh, Saudi Arabia
02.2024 - 06.2025
- Responsible for preparing and submitting Key Risk Indicator (KRI) reports and required reports to SAMA, ensuring full compliance with regulatory standards while maintain accuracy and timeliness in reporting.
- Responsible for preparing performance reports on the retail portfolio for the Board of Directors and bank committees.
- Responsible for preparing and maintaining comprehensive reports including daily, monthly, quarterly and annual reports with emphasis on tracking and analyzing Non-Performing Loans (NPLs) to support management decisions.
- Handled the integrity and quality of the Risk DataMart database and manage the validation of credit approval decision accuracy.
- Responsible for Business Requirement Document (BRDs) related to risk system or process updated.
- Implement projects and models within Retail Risk Department and automated report generation using Statistical Analysis System (SAS) to streamline reporting, enhance efficiency and ensure accuracy.
Retail Credit Approval & Collection MIS Officer
Alinma Bank
Riyadh, Saudi Arabia
06.2021 - 02.2024
- Completed reports detailing the most prominent goals achieved and level of work related to collection performance
- Manage all collection MIS and analyses and do necessary control
- Manage and control monthly targets achieved and incentive payment calculation
- Designed and implement collection strategies to prioritize overdue accounts and improving recovery rates efficiently
- Skilled in using MIS tools and data analysis to monitor collection performance, develop collection strategies and support
decision-making - Follow up Business Request and User Acceptance Testing related to collection
- Deal With T24 Coorbanking & Business Intelligence System
Retail Coop
Alinma Bank
Riyadh, Saudi Arabia
09.2020 - 12.2020
- Analyzing data related to preparing the annual budget and comparing it with competitors
- Preparing the annual presentation of the management's performance and the most important goals achieved
- Facilitate work by setting up dashboards for easy access and reading of data
- Preparing daily reports as (performance indicators, profitability follow-up)
Education
Bachelor of Business Administration - Management Information System
King Saud University
Riyadh, Saudi Arabia12.2020
Skills
- Time Management
- Working under pressure
- Comminution Skills
- Team Player
- Professional with Microsoft office ( Word , Excel , PowerPoint )
- Data collection and analysis
Languages
Arabic
Native language
Arabic
Native
English
Advanced (C1)
Certification
- GRCP - (Certified Governance, Risk Management & Compliance Professional) - OCEG
- Data Analyst Nanodegree - Udacity
- The Complete Analyst Course - Udemy
- Excel Skills for Business Essentials - Coursera
Timeline
Senior Specialist Retail Credit Portfolio Analytic
BSF
06.2025 - Current
Retail Credit Portfolio Officer
BSF
02.2024 - 06.2025
Retail Credit Approval & Collection MIS Officer
Alinma Bank
06.2021 - 02.2024
Retail Coop
Alinma Bank
09.2020 - 12.2020
Bachelor of Business Administration - Management Information System
King Saud University