Senior Enterprise Risk Executive & CRO, 22 Years Banking/Finance

MOHAMED REFAAT HASSAN EL ZANFALLY

Chief Risk Officer Enterprise Risk & Governance Executive

Cairo, Egypt Open to GCC Relocation

+20-100-***-**** ***************@*******.***

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EXECUTIVE SUMMARY

Board-level Risk Executive with 21+ years of leadership experience across Banking and Non-Banking Financial Institutions. Specialized in Enterprise Risk Management (ERM), Basel II & III implementation, ICAAP, Capital Planning, IFRS 9 (ECL), Risk Appetite Framework (RAF), and Regulatory Compliance.

Proven track record in building integrated risk governance structures aligned with Central Bank regulations and international standards (Basel Committee, COSO, ISO 22301). Strong exposure to capital adequacy management, stress testing, portfolio risk oversight, and Board Risk Committee reporting.

Experienced in leading transformation initiatives, strengthening risk culture, enhancing internal controls, and supporting sustainable growth strategies in regulated financial environments across emerging markets.

CORE EXECUTIVE COMPETENCIES

• Enterprise Risk Management (ERM)

• Basel II & Basel III Implementation

• ICAAP & Capital Adequacy Planning

• Risk Appetite Framework (RAF)

• IFRS 9 & Expected Credit Loss (ECL) Governance

• Credit Risk & Portfolio Oversight

• Operational Risk & RCSA Frameworks

• Liquidity & Market Risk Oversight

• Regulatory Compliance & Supervisory Coordination

• Corporate Governance & Board Reporting

• Stress Testing & Scenario Analysis

• Business Continuity & Crisis Management

• Internal Controls & Policy Governance

• GRC & Risk Dashboard Reporting

• Strategic Risk Alignment & Risk Culture Development

PROFESSIONAL EXPERIENCE

Chief Executive Director & Managing Director – RALight for Microfinance (Egypt) 2025 – Present

• Leading enterprise-wide risk governance structure for a regulated financial institution.

• Designing and implementing ERM framework covering credit, operational, compliance, liquidity, and strategic risks.

• Establishing Risk Appetite Framework aligned with capital capacity and growth objectives.

• Overseeing regulatory engagement, supervisory reporting, and compliance governance.

• Implementing IFRS-aligned credit provisioning oversight mechanisms.

• Building independent risk and compliance functions from inception.

Senior Risk Leadership Roles – Banking Sector (Egypt)

• Led Basel II/III compliance initiatives and capital adequacy monitoring.

• Developed ICAAP documentation and stress testing methodologies.

• Oversaw IFRS 9 governance framework and credit portfolio risk monitoring.

• Strengthened operational risk management through RCSA and KRI implementation.

• Reported directly to Executive Management and Board Risk Committee.

• Coordinated regulatory inspections and supervisory reviews.

• Built executive risk dashboards supporting strategic decision-making.

EDUCATION

MBA – Risk Management & Governance ESLSCA Business School

PROFESSIONAL CERTIFICATIONS

Advanced Risk Management – Frankfurt School of Finance & Management

Business Continuity & Disaster Recovery (BCLE 2000)

Additional Basel & Governance Training Programs

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