Professional Banking career spanning over 32 years in the GCC/Middle East and India, having worked in the entire spectrum of Commercial & Investment Banking including Shariah-compliant Banking; culminating in core competency as a Subject-Matter Expert in Enterprise-wide Risk Management. CRO appointments approved by Central Banks of UAE and Kuwait. As CRO, have set-up industry best-practice-led robust Risk Management & Compliance Framework in two start-up/green-field Banks. Previously worked on a major project as Risk Strategy Head, responsible for leading change in Risk Management Framework and tasked to accomplish Basel II compliance under Internal Ratings Based (IRB) Approach at a major financial institution. Active member of CRO Community in UAE and Kuwait, to review and recommend regulatory environment changes on key risk factors in the current volatile financial and economic environment. Experienced liason with regulators, industry peers, experts. Regularly invited at conferences, forums and seminars as industry speaker and panelists. Academic and professional excellence with Masters in Business & Finance; Degrees in Law and Accounting; and professional accreditation in Financial Sector Risk. Specialties: Enterprise-wide Risk Management function encompassing Credit Risk domains for Corporate, SME, Retail, Investment & Private Banking; Market Risk including Treasury & Liquidity Risk; Operational Risk; Compliance including Anti Money Laundering, Fraud Risk, Business Continuity Management; Information Security and Internal Control; Risk Governance including Basel Compliance and streamlining Quantitative Risk Management for Economic Capital, Risk Adjusted Performance Measurement & Stress Testing.

Chief Risk Officer / Group Head of Risk Management & Compliance @ Warba Bank promoted by the Government of State of Kuwait with institutional ownership by Kuwait Investment Authority (KIA), the Sovereign Wealth Fund of Kuwait. A shariah-compliant full service Universal Bank. The first CRO of this new Bank with mandate to set-up and streamline Enterprise-wide Risk Management bringing industry best-practices and running the business within well-defined Risk Appetite and Framework, inculcating Risk Culture across the organization. From August 2011 to Present (4 years 5 months) KuwaitGroup Chief Risk Officer / Executive Vice President - Group Head of Risk Management & Compliance @ Group Chief Risk Officer of Al Hilal Bank Group, consisting of a green-field shariah-compliant bank, promoted and wholly owned by the Abu Dhabi Investment Council (ADIC), a Sovereign Wealth Fund of the Emirate of Abu Dhabi. As CRO responsible for Group-wide Risk Management framework including Credit, Market, Operational Risks; Compliance, AML/Fraud, Information Security; Also overseeing Risks under the Takaful (Insurance) subsidiary, and an overseas subsidiary, the Hilal Bank in Kazakhstan, the first shariah-compliant bank in the CIS Region. From November 2009 to July 2011 (1 year 9 months) Head of Group Risk & Capital Strategy / Basel Program Director @ Group-wide Risk Management function encompassing Risk Quantification, Risk Estimation, Risk and Rating modelling for Retail, Corporate, Specialized Lending and Private Lending for ongoing IRB recognition. Validation and back-testing of Internal risk parameters and estimates. Internal Capital Adequacy Assessment Process (ICAAP). Responsible for regulatory reporting of Credit, Market, Operational and Pillar II Risks and ensuring Capital Adequacy. Portfolio Management, Stress Testing, RaRoC modelling and Economic Capital advancements. From April 2008 to November 2009 (1 year 8 months) Head of Risk Architecture & Portfolio Management / Credit Risk Director @ As Head of Risk Architecture responsible for Risk Policy & Strategy functions, Risk Quantification, Risk Modelling, etc. more specifically related to Corporate Credit Risk. As Portfolio Manager responsible for monitoring Risk Assets' Portfolio, Portfolio Concentration, Management Reporting for the Group. Ex-officio Member-Secretary of Credit Risk Policy Committee and Head of Credit Risk Basel Project work-stream within the overall Basel II Project. From May 2006 to March 2008 (1 year 11 months) Assistant General Manager / Unit Head, Corporate & Investment Banking Group @ As Unit Head at Corporate & Investment Banking was responsible for a team of Senior Relationship Managers managing over USD 15million in relationship revenues (Account Profitability) with approved credit exposures in excess of USD 5Billion. Client coverage included major industrial, trading and contracting segments, including Islamic finance,structured products, syndication and specialized lending. Delegated member of Credit Approval Committee with personal approval authority. From October 1998 to April 2006 (7 years 7 months) Chief Officer @ Held several senior management positions in Commercial Banking sector in India for over 16 years. Experience spreading across entire spectrum of Corporate Banking & Industrial Finance, Corporate Debt & Equity Advisory, Credit Risk Management, Remedial Management, Regulatory Reporting, Risk Policy & Strategy, Treasury & Funds Management, Foreign Exchange, Liability & Liquidity Management. From June 1982 to August 1998 (16 years 3 months)

LLM, Master of Laws, Legal Research and Advanced Professional Studies @ York University - Osgoode Hall Law School From 2015 to 2017 Risk Management in Banks @ INSEAD From 2005 to 2005 MFM, MBA- Masters in Financial Management @ University of Mumbai From 1992 to 1995 LLB, Bachelor of Laws @ University of Mumbai From 1986 to 1989 MCom, Master of Commerce @ University of Mumbai From 1984 to 1986 BCom, Bachelor of Commerce @ University of Mumbai From 1981 to 1984 CAIIB, Certificated Associate in Banking @ Indian Institute of Banking & FinanceDBF, Diploma in Business Finance @ Institute of Chartered Financial Analysts of India Feroz NOORANI is skilled in: Basel II, Credit Risk, Market Risk, Liquidity Risk, Operational Risk, Economic Capital, Capital Adequacy, ALM, Compliance, AML, Fraud, Security, Internal Controls, Business Continuity, Risk Assessment