Fayyaz Ahmad

Founded an independent advisory practice in enterprise risk, governance, and AI risk governance for financial institutions, fintechs, and corporates in Pakistan and the GCC.

Owned and operated a U.S.-based business during an entrepreneurial period.

Designed and directed an enterprise-wide ERM framework covering credit, market, operational, technology, sovereign, and ALM/liquidity risks. Led early compliance with new Saudi Central Bank ERM regulations and chaired cybersecurity and GRC committees.

Restructured consumer credit risk end-to-end, improving decision quality by 30-40%, acceptance by 25%, and reducing delinquencies by 55%. Built portfolio dashboards and launched loyalty and private-label cards.

Directed Consumer Assets P&L with full accountability for credit risk, pricing, and strategic growth. Expanded credit card portfolio by 142% and launched a $27M joint venture with SOFINCO.

Improved credit decision quality by approximately 55% for consumer finance operations and introduced credit risk policies and governance processes.

Managed cards and consumer lending credit risk end-to-end, including policy, scorecards, MIS, and portfolio monitoring. Led the bank's participation in establishing the Saudi Credit Bureau.

Built the consumer credit function from the ground up, establishing policies and underwriting processes. Executed the merger of American Express Pakistan cards portfolio into Union Bank with minimal error and zero attrition.

Progressed through four senior roles across credit policy, mortgage management, credit initiation, and credit cycle operations.

Served as a Senior Business Analyst in project finance at NationsBank, now Bank of America.

MBA in Finance from Fort Hays State University, Hays, Kansas, USA, completed in 1993.