Senior banking executive with over 30 years of experience in leadership roles across national and regional banks, including President Director positions. Skilled in bank turnaround strategies, risk management, strategic planning, and retail banking growth. Holds a Doctorate in Natural Resources and Environmental Management and a Master’s in Islamic Banking. Recognized for expertise in Sharia finance, product development, and cultural transformation within financial institutions. Published author and active contributor to professional and community organizations, with strong commitment to economic empowerment and sustainable banking practices.