SALWA AL KHATHAMI

Develop and implement the Enterprise Risk Management (ERM) framework and risk governance structure.
• Lead the identification and analysis of strategic, operational, legal, and compliance risks across departments.
• Maintain and update the corporate risk register and oversee the reporting of Key Risk Indicators (KRIs).
• Facilitate risk assessments, workshops, and awareness sessions with sector leads and project teams.
• Provide risk insights to executive leadership to support informed decision-making.
• Ensure alignment of the risk function with national risk governance models and government regulations.
• Oversee the development and periodic testing of business continuity and disaster recovery plans.
• Coordinate with internal and external stakeholders during crisis scenarios and recovery planning.
• Support audit readiness, ISO certification processes, and the Digital Government Authority’s Qiyas program.
• Collaborate with departments such as Legal, Procurement, HR, and IT to manage cross-functional risks.
• Prepare regular risk and continuity performance reports for the CEO and governance committees.

• Establishing adequate and effective risk acceptance criteria (RACs) to insure that product preform with in approved RACs
• Insure that the Risk Acceptance Criteria are within internal and external regulations, standard and procedure.
• Develop the retail risk models according to the retail risk appetite, policies and strategy of the bank.
• Facilitate the effective risk assessment and management within the define risk appetite.
• Review the models validation result , the retail portfolio analysis result, the risk management report , stress test.
• Provide the required information and support to the relevant parties for the accurate and effective implementation of the models.
• Participate in the analysis and implementation of credit risk retail policies and procedures and recommends improvement , in order to identify potential gaps and propose corrective adjustment.
• Assist in managing the data integrity , including quality , accuracy , reliability and validity.
• Assist in implementation and on going maintenance of system related collection , recovery ,remedial management .
• Measuring and monitoring and controlling risks across Retail Credit Portfolio.

▪ Executes credit application reviews, including contracts financing, according to the processes and procedures of the Bank, in order to assess the credibility of the companies to undertake the loan.

▪ Reviews and approve individual credits according to the credit policy of the Bank.

▪ Provides the information, analysis and rational required for the justification of the credit proposals and limit for each reviews application.

▪ Reviews all the supporting documents of the credit application and communicates with the relevant business officers for the provision of more information and clarification, if required.

▪ Uses the provided tools and systems for the evaluation of the credit applications, so as to generate credit ratings for each application.

▪ Defines the creditability of each credit application and Calculate credit limits, collaterals, price structure and credit rates according to the credit policy, procedures and credit rating results, so as to support the protection of the Bank against

potential risks.

▪ Reviews the changes in the processes, procedures and regulatory status of credit review and applies these to the credit evaluations applications

▪ Assists in the preparation of timely and accurate reports of Riyad Bank to meet company and department requirements, policies and standards.

• Working on all tenders’ projects for semi government to understand the requirements and preparing the proposals.
• Understand client needs and requirements to suggest relevant services that serve their needs.
• Maintain business relationships and continuous communication with existing and potential clients and address needs effectively
• Monitor sales operations to ensure that they meet standard process.
• Contribute to the preparation of progress reports directed to all relevant stakeholders to keep them informed of progress.
• Tracking sales target and reporting results, as necessary.
• Providing training to the sales team.
• Negotiating insurance policy term and condition on behalf of clients with insurance providers.
• Discussing and accessing client's current and future need with respect to renewal, amendment etc.
• Handling client’s routine inquiries & responsible for solving operational problems .
• Monitor customer satisfaction with aftersales team.
• Resolving quality-related issues adhering to deadlines.
• Guide the team about the quality control issues to enhance the quality of work process.

• Meet personal sales targets and call handling quotas.
• Build sustainable relationships of trust through open and interactive communication.
• Handle complaints, provide appropriate solutions and alternatives within the time limits and follow up to ensure resolution.
• Create business from new and existing customer accounts.
• Build rapport and establish long term relationships with customers.
  
  

• Hiring employees as needed by the organization.
• Preparing employee contracts according to regulations.
• Make an end-of-service reward and send it to Finance.
• Renew employee contracts.
• Scheduling vacations without prejudice to the functioning of the institution
• Preparing annual tickets for non-Saudi employees.