Sulaiman Moh. AlHaidari
Riyadh,Anas Bin Malik St.
Summary
Seeking a challenging career which utilizes my skills, abilities and enriches my knowledge, and gives me a chance to be part of a team and contribute towards the growth of the organization, thereby yielding the twin benefits of job satisfaction and professional growth.
Overview
2026
2026
years of professional experience
1
1
Certification
Work history
Credit & Risk Manager
Malaa Info Tech Co. (CreditLine Finance Company)
Riyadh, Saudi Arabia
2025.09 - Current
- Developed the company's credit risk policy, credit procedure manual, and Business Continuity Plan (BCP) framework aligned with SAMA regulatory requirements.
- Developed risk-based pricing models with exponential RAP functions, SAMA APR conversion, and DBR compliance.
- Built enterprise risk register across credit, operational, regulatory, market, and strategic risk categories.
- Reviewed third-party service agreements identifying regulatory, counterparty, and data redistribution risks.
- Led SAMA Open Banking licensing compliance requirements identifying critical gaps in capital adequacy, ownership disclosure, and fit & proper documentation.
- Designed credit scorecards and risk rating systems integrating open banking data (NCGR, government wage, financial enrichment, and SIMAH) for real-time decisioning.
Credit Risk Manager
Tamam Finance Company
Riyadh, Riyadh Region
2025.07 - Current
- Coordinate with data teams to integrate open banking data for real-time decisioning.
- Design, implement, and periodically update credit policies to align with regulatory requirements and company objectives.
- Develop and maintain credit scorecards, risk rating systems, and debt burden ratio (DBR) thresholds.
- Build, monitor, and back-test Expected Credit Loss (ECL) models in compliance with IFRS 9 requirements.
Credit Risk Specialist
Tamam Finance Compnay
Riyadh, Saudi Arabia
2024.07 - Current
- Contributing to the development and enhancement of credit risk policies and procedures.
- Prepare detailed credit risk assessment reports and presents findings to senior management and credit committee.
- conducting and monitor credit portfolio and performance metrics on monthly basis, and identifying emerging risks and recommending appropriate actions.
- Collaborate with underwriters, loan officer, and other stakeholders to ensure timely processing of credit applications.
- Ensure compliance with SAMA regulatory requirements and internal policies related to credit risk assessment.
- Monitor and manage the overall credit portfolio to identify trends and potential areas of concern.
- Determine appropriate credit limits for customers based on risk analysis.
- Handling rescheduling requests for NPL Customers.
Senior Corporate Credit Analyst
Al-Yusr Finance Company
Riyadh, Saudi Arabia
02 2023 - 2024.07
- Made decisions and recommendations about extending lines of credit to clients.
- Observed industry trends and patterns and recommended changes.
- Monitored credit portfolio
- Analysed past financial statements and bad loans, aiding future risk assessments.
- Assessed credit risk and financial statements against company requirements to determine eligibility for credit.
- Increased revenue by launching new product lines.
Risk and CAD analyst
Alistithmar Capital
Riyadh, Saudi Arabia
2022.02 - 2022.11
- Conducting risk assessments a cross company departments (credit
department, assets management, Real estate department, and operations, customer service) for the
company risk registers. - Review of fixed income and money markets approved funds.
- Review of margin lending applications.
- Conducting daily ,and monthly reports for margin lending clients coverage ratios, fixed income, and money markets approved limits, and stock markets DPMs.
- Quarter review of LTV Ratios for TASI Companies.
Credit Risk Senior Officer
YANAL Finance Company (Formally Orix Leasing Co.)
Riaydh, Saudi Arabia
2017.10 - 2022.01
- Checking and verifying all legal documents pertaining to corporate clients.
- Evaluating the clients and ensuring that the proposed request are in line with the credit policy and credit guidelines of YANAL.
- Reviewing of financial statements and in-depth analysis of overall financial position, financial performance and cash flow of corporate client which includes review of key financial ratios.
- Preparation and presentation of credit review memo that includes the key risks and observations pertaining to the transaction along with the recommendation and risk mitigants.
- Ensuring that the detail mentioned in the credit proposal are in line with the legal documentation obtained from the clients.
- Checking that all approval related documents are filed and complied i.e. Lease approval checklist, AML / KYC checklist etc.
- Preparation of credit files for credit approval received from branches.
- Checking and reviewing of past relationship history with YANAL.
- Reviewing of the assets which are to be leased / mortgaged.
- Coordinating with account manager in preparation and presentation of credit proposals and resolving any queries with the account manager.
- Reviewing of SIMAH reports of clients and resolving any matters and concerns in SIMAH reports.
- Coordinating with the approving authorities in obtaining the required approvals.
- Coordinating and submitting applications to Kafalah program for certain Credit Applications.
Internship
Alinama Investment Company
Riyadh, Saudi Arabian
2016.08 - 2016.12
- Underwent special training on asset management.
Retail Customer Service
Alinma Bank
Riaydh, Saudi Arabian
2016.05 - 2016.07
- Underwent internship training on customer service and managing
customer relationship.
Education
Bachelor of Business Administration - Finance
Al-Yamamah University
RiaydhSkills
- Interpersonal skills
- Credit Analytical skills
- Risk Assessments
- Working under pressure
Certification
- Training in Corporate Credit Analysis by Fitch Learning.
- English Language School: Point Park University.
- Training in Financial Analysis and Budget Preparation.
- Envision Risks Conference - (Risk Management Course).
Languages
Arabic
Native language
English
Master or proficient
C2
Timeline
Credit & Risk Manager
Malaa Info Tech Co. (CreditLine Finance Company)
2025.09 - Current
Credit Risk Manager
Tamam Finance Company
2025.07 - Current
Credit Risk Specialist
Tamam Finance Compnay
2024.07 - Current
Risk and CAD analyst
Alistithmar Capital
2022.02 - 2022.11
Credit Risk Senior Officer
YANAL Finance Company (Formally Orix Leasing Co.)
2017.10 - 2022.01
Internship
Alinama Investment Company
2016.08 - 2016.12
Retail Customer Service
Alinma Bank
2016.05 - 2016.07
Senior Corporate Credit Analyst
Al-Yusr Finance Company
02 2023 - 2024.07
Bachelor of Business Administration - Finance
Al-Yamamah University