Farid Khan
Senior Business Systems Analyst - Retail Lending
Riyadh
Summary
Senior Business Systems Analyst with 10+ years’ experience in retail lending, specializing in Loan Origination (LOS) and Loan Management (LMS) for personal, auto, and home finance products. Strong expertise in loan lifecycle analysis, SAMA compliance, and Shariah-based financing. Skilled at bridging business, IT, and compliance to deliver scalable, automated lending solutions. Proven record of driving digital transformation and process efficiency across leading GCC banks.
Overview
4
4
years of professional experience
Work History
Senior Business Systems Analyst - Retail Lending
Alrajhi Bank
02.2025 - Current
- Led cross-functional teams to implement process enhancements in retail lending, resulting in streamlined operations and improved user satisfaction.
- Analyzed business requirements and documented functional specifications, ensuring alignment with strategic goals and compliance standards.
- Developed and maintained comprehensive documentation for system processes, facilitating knowledge transfer and operational consistency across departments.
- Collaborated with IT teams to identify and resolve system issues, enhancing system reliability and minimizing downtime for retail lending operations.
Business Systems Analyst
Riyad Bank
08.2021 - 02.2024
- Collaborated with stakeholders to gather essential requirements, ensuring successful project outcomes.
- Assessed business requirements to create focused solutions.
Education
Master of Science - Program Management
Said Business School
Oxford, United Kingdom 04.2001 -
Skills
- Loan Origination (LOS):
- Requirement gathering, BRD/FSD preparation, and process design for digital onboarding and credit workflows
- Integration with credit bureaus (SIMAH), KYC, and digital signature solutions
- Business rules configuration for eligibility, scoring, and approval matrices
- Loan Management (LMS)
- Design and enhancement of loan servicing functions: payment posting, schedule recalculation, and interest accruals
- Implementation of early settlement, loan rescheduling, restructuring, and termination processes
- Automation of accounting entries and GL integration with Core Banking systems
- Collections & Recovery
- Setup of collection strategies, aging buckets, and delinquency workflows
- Integration with third-party collection agencies and notification engines (SMS/email)
- Reporting and dashboard design for delinquency tracking and performance analysis
- Product Coverage
- Personal Finance: salary transfer, top-up loans, Takaful integration
- Auto Lease: asset management, insurance tracking, residual value processing
- Home Loans: property registration, disbursement staging, and contract amendments
- Digital & Core Banking Integration
- API-based integration with CRM, payment gateways, and accounting subsystems
- Experience with Finacle, Temenos T24, and in-house LOS/LMS platforms
- Alignment with SAMA compliance, IFRS9, and internal audit standards
- Tools & Methodologies
- Project delivery: Agile, Waterfall, SDLC
- Documentation: BRD, FSD, user stories, UAT scripts
- Tools: JIRA, Confluence, Visio, SQL, Postman
Certifications: PMP, PMI-ACP, ITIL
Accomplishments
- Digitalized Emirates NBD KSA Retail Lending process by implementing application straight through processing (STP) for Personal Finance, Auto Lease and Home Loans.
- Collaborated with a project team of 30 members in the execution of Emirates NBD Core Consolidation project.
- Verified data migration by comparing pre and post data extracts from FinnOne and Finacle systems.
- Managed 3+ years migration program of FinnOne Cosumer Loans to Finacle at Emirates NBD KSA, improving application processing TAT by 50%
Timeline
Senior Business Systems Analyst - Retail Lending
Alrajhi Bank
02.2025 - Current
Business Systems Analyst
Riyad Bank
08.2021 - 02.2024
Master of Science - Program Management
Said Business School
04.2001 -