Riaz has over 19 years of credit and risk experience in the financial services industry with a with a proven track record of delivering excellence, skilled in credit life cycle management, retail risk, MIS, project management and client engagement. Specialising in Customer Life Cycle Management, Riaz optimizes the retail lending portfolio profitability of a number of clients throughout the Middle East, with a deep understanding of Consulting, Analytics and Predictive models across the life cycle, covering Originations, Account Management, Customer Retention and Collections.
Prior to Qarar, Riaz was previously a consultant at Principa providing specialized product support to all Middle East clients. Prior to joining Principa, he worked as a behaviour scoring consultant at Absa Bank. In this role, he was responsible for implementing and managing retail credit risk tools and providing consulting support from an ICT and a business perspective.
Some of the clients Riaz has acted as a trusted advisor to are HSBC (Middle East), Samba (KSA & UAE), Visa Inc. (CEMEA Region), American Express (KSA & ME), National Commercial Bank (KSA), CreditBank (Lebanon), Riyad Bank (KSA), Access Bank (Nigeria), National Bank of Abu Dhabi (UAE), Capital Finance Company (Lebanon), Habib Bank Limited (Pakistan) and Gulf Bank (Kuwait) to name a few
Riaz holds a Bachelor’s degree in Business Administration from the University of the North-West (PUK), South Africa