Mr. Ali Al Mani – General Manager
Mr. Ali Al Mani is the General Manager of Alizz Islamic Bank and he is a seasoned banker with extensive
industry knowledge armed with more than two decades of experience in the banking and financial industry
across the Sultanate of Oman
As an award winning banker he is renowned for having expert knowledge of both conventional and Islamic
Banking, notably Corporate, Retail, Operations, Finance, Project Management and Banking Technology.
Prior to joining Alizz Islamic Bank, Al Mani was the Deputy CEO of National Finance Company overseeing the
performance of one of the largest finance companies in Oman and before that he was the Head of Retail
Banking, Bank Nizwa as Head of Sales, and National Bank of Oman as Head of Alternative Distributions.
Al Mani, is responsible for creating business opportunities through finance and banking products and service
excellence, improved client-experience, sustainable business performance, sustainable cost reductions,
process improvements and innovative solutions, alongside other responsibilities remitted by the Board of
Directors of the Bank.
He has a proven track record of success in delivering turnaround performances in highly competitive and
challenging environments, with strong leadership skills and thorough knowledge of both Retail and Islamic
Banking
Mr. Ali has a Master of Science in Innovation, Leadership and Management from the University of York in the
United Kingdom; He also holds a Bachelors of Arts with Honours in Computer and Internet Application from the
University of Bedfordshire in the United Kingdom.
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Mr. Mohamed Al Balushi – DGM - Chief Human Resources Officer
Mr. Mohamed Al Balushi started his career as AGM - Head of Human Resources at Alizz Islamic Bank in September
2013, joined from Bank Dhofar, where he had served for more than 20 years, as Assistant General Manager
(AGM) Head - Human Resources & Learning and Development, a position he had held since 2006. Parallel to
his career in the banking industry, Mohamed was also a part time lecturer at the College of Banking and
Financial Studies. Mr. Al Balushi adds an exceptional range of HR and Banking skills, expertise honed
through a successful banking career in Oman. His banking experience of over two and half decades covers the
subject areas of matured leadership, HR strategic planning, performance management, career development,
recruitment along with manpower planning. With such rich and valuable experience, he is an invaluable asset
to Alizz Islamic Bank. Mr. Al Balushi's carried out successfully the responsibilities of secretary to
the Board HR Committee at Bank Dhofar, and AIB along with several other executive management committees, (HR
Management Committee, Disciplinary Committee, Grievance Committee and Staff Rewards and Recognition
Committee to mention a few) as well as College Academic Advisory Committee at the CBFS and was also
appointed as Secretary to HR Committee of Oman Banking Association (OBA).
Mr. Al Balushi holds a postgraduate Certificate in Human Resource Development and Performance Management from
the University of Leicester, United Kingdom, an Advanced Human Resource Executive Certificate- University of
Michigan, Ross School of Business, USA, Chartered Institute of Personnel and Development (CIPD) from
Bradfield, UK. Further, he holds a Master of Business Administration (MBA) from the University of Wales,
Cardiff, United Kingdom. He also holds a number of professional qualifications and accreditations in the
field of HR and banking including Associate of Canadian Institute of Bankers (ACIB)
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Mr. Muhammad Nadeem Aslam - DGM - Chief of Wholesale Business & Key Initiatives
Mr. Muhammad Nadeem Aslam is Chief of Wholesale Business & Key Initiatives of Alizz Islamic Bank. He is a
chartered accountant turned banker who offers a blend of professional experience along with distinguished
accomplishments during his 20 years of banking and finance career.
Before this, Muhammad Nadeem was associated with the largest local financial institutions in Oman, Bank
Muscat Meethaq, in the capacity of AGM – Corporate & Wholesale Banking. He was responsible for
whole Islamic Banking Business including Corporate Banking & SME, Treasury and Investment Banking.
Before this, he was head of Islamic banking at bankmuscat, Meethaq where he was founder head of Islamic
banking where he established from scratches the largest Islamic banking window of Oman having balance sheet
over USD 3 billion.
Previously, he has worked at Islamic financial services group (IFSG) of E&Y, Karachi and Islamic banking
division of Soneri Bank, Pakistan at various positions before switching from his initial career role as
chartered accountant.
He demonstrates excellent competencies in the area of strategic planning and execution, people management,
produce development, project and credit analysis, digital transformation, data mining and financial
modelling. He has proven track-record of Islamic Banking leadership and pioneering role in its introduction
in Oman since the inception.
Mohammad Nadeem holds chartered accountancy from ACCA, UK and a Bachelorship in applied Accounting from
Oxford Brooks University. He also holds a postgraduate diploma in Islamic banking.
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Mr. Mohammed Juma Al Ghassani – AGM – Acting Chief Consumer Banking Officer
Mohammed Juma Al Ghassani is the AGM – Acting Chief Consumer Banking Officer of Alizz Islamic Bank and
he is responsible for spearheading the bank’s retail banking and wealth management division’s
in-line with the bank’s continuous drive to deliver excellence. He joined Alizz Islamic Bank in April
2013 and was part of the core founding team of the Bank which was tasked with developing the framework for
the launch of the organisation.
Prior to joining Alizz Islamic Bank he was part of the management team that launched the first Islamic
Banking window in the Sultanate, Meethaq Islamic Banking. He played a key role in developing the operation
manuals, SOPs and preparing the customer journey. He then served as the first branch manager of an Islamic
Banking entity in Oman.
Al Ghassani, is a seasoned banking professional with over 25 years’ experience in the banking and
financial sector and he started his career working in Bank Muscat.
Mohammed holds a Master’s in Business Administration from Bedfordshire University College and is a
Certified Islamic Finance professional.
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Mr. Retesh Vatrana - Chief Internal Audit
Retesh Vatrana is the Chief Internal Audit of Alizz Islamic Bank. Internal Audit forms the ‘Third Line
of Defense’ under the Bank’s risk management model maintaining its independent status by
operating under the direction and guidance of the Board Audit Committee and reporting directly to the Audit
Committee Chairperson. Retesh is responsible for the primary purpose of the Internal Audit activity, which
is to assist management and the Board of Directors of the Bank to discharge their responsibilities and
accomplish the objectives of the Bank by bringing a systematic, disciplined approach to evaluate and improve
effectiveness of risk management, control, and governance processes. It does this by assessing risks,
controls, ethics, quality, economy and efficiency.
Prior to his appointment with the Bank, Retesh was Partner, Audit and Financial Advisory with Mazars for
Consultancy and Audit in Oman and prior to joining Mazars in Oman, he was with Ernst & Young in Oman for
over 16 years and worked as Director in Assurance Services with Ernst & Young LLC, Oman and was also
Deputy EY Middle East North Africa Financial Accounting Advisory Services Quality and Risk Management
Leader.
He has over 20 years of experience in the audit and financial accounting advisory services and brings a
wealth of experience to the role, having worked in all areas of banking operations through his time in as an
auditor and is also renowned for his ability to identify and assess fresh strategic alternatives and
supporting innovation and new business models, developing and delivering agile strategy, driving sustained
long-term growth by inspiring and leading the way with strong purpose and ethics, and supporting digital to
develop focused, high-quality, data driven insights. He leads with a commitment to the highest level of
quality as well as with integrity, independence, accountability and a social conscience.
He is a Chartered Accountant (CA) from the Institute of Chartered Accountants of India and secured all India
twenty third position in all India CA Final Examinations Merit List and thirty first position in all India
CA Intermediate Examination Merit List. He is also a Certified Information Systems Auditor from the
Information Systems Audit and Control Association and holds a Bachelor of Laws, Professional (LL.B) from
Panjab University, India and a Bachelor of Commerce with Honors from Panjab University, India.
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Mr. Faisal Zakaria - Chief Financial Officer
Faisal Zakaria is the Chief Financial Officer of Alizz Islamic Bank responsible for all financial affairs and
was part of the core founding team of the Bank which was tasked with development of policies, procedures and
he plays a key role in setting the strategy for the Bank to achieve superior and sustainable long-term
financial results.
Mr Zakaria comes with extensive experience in the financial services industry across the region including
Emirates Islamic Bank and Emirates NBD.
He sits on various Management Level Committees of Alizz Islamic Bank including, Deputy Chairman of the Asset
Liabilities Committee, Member of the Management Investment Committee , Member of the Management Credit
Committee, Member the IT Advisory Committee and member of the Tender Committee.
Mr Zakaria is a Certified Islamic Professional Accountant (CIPA) from the Accounting & Auditing
Organization of Islamic Financial Institutions (AAOIFI) and a FCA Chartered Accountant from the Institute of
Chartered Accountants of Pakistan.
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Mr. Syed Abdul Razak - Chief Risk Officer
Syed Abdul Razak is the Chief Risk Officer of Alizz Islamic Bank and is a Senior Risk Management executive
professional with a career spanning over 23 years of experience in Banking, Non Banking Financial Companies
and Accountancy; he has held several key management positions throughout his illustrious professional
journey.
Prior to joining Alizz Islamic Bank, Mr. Abdul Razak worked at BankIslami Pakistan Ltd, a leading Islamic
Financial Institution in the capacity of Chief Risk Officer and has also worked with several large financial
institutions in Pakistan with his roles including Group Head Corporate & Investment Banking, Chief Risk
Officer, Head of Credits, Corporate Credit Head & Risk Policy Head. He is a certified Director from the
Institute of Chartered Accountants of Pakistan. He has served as Chairman of the Board of Directors (BoD) of
a leading Takaful Company and sat on the board of First Punjab Modaraba & several other companies.
Mr Abdul Razak is is a Keynote Speaker and a seasoned trainer having exposure of conducting training sessions
at various forums , on the topics of Risk Management, Credit Assessment, NPL management other banking
related subjects.
He is a qualified Chartered Accountant from the Institute of Chartered Accountants of Pakistan, having
completed articles training from PriceWaterhouseCoopers (PwC).
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Mr. Ali Al Zadjali AGM - Chief Compliance Officer
Mr. Ali Al Zadjali is the AGM – Chief Compliance Officer of Alizz Islamic Bank. Al Zadjali’s
responsibilities include developing the in-house capabilities and to ensure delivery of an effective
compliance function and culture across the various levels of the bank's operations including the Board.
Al Zadjali has over 15 years of extensive knowledge and experience in the banking and non-banking industries.
Prior to joining Alizz Islamic Bank, Al Zadjali was the Head of Central Bank of Oman Compliance at the
National Bank of Oman. He was involved in the development of the compliance framework and establishment of a
compliance culture within the organisation. Al Zadjali also worked for the Central Bank of Oman as a Bank
Examiner where he evaluated and reported on the soundness of various financial institutions. He also worked
at Petroleum Development Oman as a Senior Financial Accountant.
Besides being a long standing executive with significant contributions in governance, application of
international standards, compliance and a wealth of experience in banking operations and business, Al
Zadjali holds a bachelor's degree in Accounting and MIS from the University of Missouri, St. Louis, USA,
and a Master’s in Business Administration from Franklin University, USA. He is also a Certified Public
Accountant (CPA) and a Certified Internal Auditor (CIA).
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Mr. Mustafa Mohammed Al Lawati – AGM – Head of Investment Banking & Project
Financing
Mr. Mustafa Mohammed Al Lawati – AGM – Head of Investment Banking & Project Financing of
Alizz Islamic Bank. He joined Alizz Islamic Bank in December 2014 and he has extensive experience of over 15
years of working in the banking industry.
Prior to joining Alizz Islamic Bank he was the Head of Project Finance and Syndications at the National Bank
of Oman and he was responsible for working on a mandated business and income budget to source, initiate and
complete large project financing transactions in various fields such as: Power, Water, Waste water, Oil
& Gas, Tourism, Real Estate development & Infrastructure.
Some of the major transactions AL Lawati was involved in during his career included the financial advisory
and fund arranger for a Large Oil Refinery project in Sohar, Financial advisory and & mandated lead
arranger for Large Aluminum rolling mill project in Sohar, Joint Lead Manager for Ministry of Finance
Inaugural USD Sukuk, Financial advisor of a large Conventional Center - Package Two in Muscat and Financing
syndication transactions of a large Independent power and water plant in Salalah and a large Aluminum
Company in Sohar.
Al Lawati, started his career working in the treasury department of National Bank of Oman and directed all
treasury activities including foreign exchange, assets and liabilities management, money markets,
derivatives. He also led department initiatives to develop consistent and integrated department policies and
procedures manuals. Post his treasury Al Lawati moved on to corporate banking department where he handled
principal government related entities and major Omani group companies relationship management.
Mustafa is a fulbright scholar and holds an MBA with distinction from Cleveland State University. He also
holds an Executive MBA in Leadership & Management from Cambridge University and a Graduate of University
of Missouri St. Louis, where he achieved a BSc with Honors in Business Administration in Finance and
Accounting.
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Mr. Khalid Abdullah Mohammed Al Obaidani – AGM - Head of Business Banking
Khalid Abdullah Mohammed Al Obaidani is the AGM Head of Business Banking at Alizz Islamic Bank. He joined
Alizz Islamic Bank in June 2020 and is a seasoned banker with more than 24 years of experience and is
renowned for his proven leadership skills, coupled with his focus on continuous improvement and exemplary
performance, whilst continuing to offer innovative products and quality customer service
Prior to joining Alizz Islamic Bank, he was the Head of Corporate & SME Banking of Al Yusr Islamic
Banking. Al Obaidani comes with extensive experience in the financial services industry in Oman and is an
expert in financial analysis and structuring funded and non-fund credit lines.
Al Obaidani, started his career working in the National Bank of Oman moving later to Bank Muscat where he was
a leader in corporate banking initiatives to increase the corporate portfolio with expertise to deliver
sustainable growth.
Khalid holds a Bachelor’s of Science in Finance from the College of Commerce & Economics at Sultan
Qaboos University. He also holds several certifications in management and credit from notable organizations.
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Mr. Fadelallah Suliman - AGM - Head of Legal and Board Secretary
Mr. Fadelallah Suliman Hamed joined the services of Alizz Islamic Bank in April 2013 as a Legal Advisor and
Company Secretary after having worked for 8 years as Legal Advisor & Company Secretary with National
Bank of Oman.
Fadelallah is a seasoned legal expert with 20 years of rich experience in the area of legal and corporate
governance, which includes providing litigation services, legal opinions and advises corporate governance,
compliance and regulatory affairs. He possesses hand-on managerial competencies, sound experience in
implementing policies and procedures related to legal and corporate governance and company secretarial
systems in both Conventional and Islamic banks.
He is currently occupying the position of Assistant General Manager – Head of Legal Affairs and Company
Secretary.
Mr. Fadelallah holds a Bachelor of Law "LLB" degree and Bachelor of Arts in English and Arabic
Language from the University of Juba, Sudan. In 2009, he obtained an Executive Diploma in Leadership and
Strategic Management from the Chartered Management Institute, UK. In 2011, he was awarded
"International Diploma in Compliance" by International Compliance Association and Manchester
University.
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Mr. Issa bin Salim Al Riyami – Head of Shari’a Audit & Compliance
Mr. Issa bin Salim Al Riyami heads the Shari'a Audit and Compliance Department at Alizz Islamic Bank,
with a direct report to the Sharia Supervisory Board. He ensures compliance and consistency of the
bank's transactions, operations, investments and activities with the Fatwas and resolutions issued by
Sharia Supervisory Board and with the Shari'a standards and principles.
A veteran with over 18 years’ experience where he worked in the government sector for 11 years in the
Ministry of Justice and the Administrative Affairs Council of the Judiciary. He then moved to work in the
Islamic banking sector in the Meethaq Islamic Banking window of Bank Muscat in 2013 as the Head of the
Shari’a Audit Unit and then the Head of the Shari’a Compliance Unit
Al Riyami also oversees the Islamic Banking educational campaigns conducted by Alizz Islamic Bank, both
internally and externally; and raise awareness about Islamic banking and its products, in order to assist
the public to choose products that fall in line with their requirements, with complete transparency.
Al Riyami is a Certified Shari'a Advisor and Auditor by the Accounting and Auditing Organisation for
Islamic Financial Institutions (AAOFI). In addition, he holds a Bachelors’ Degree in Islamic Law from
the College of Shari’a and Law (currently the College of Law). He is also the first Omani to hold the
position of Head of Shari’a Audit and Compliance in a full-fledged Islamic bank after fulfilling the
requirements of the regulatory framework for Islamic banks by the Central Bank of Oman.
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