Expertise and Career Highlights

• Executive Vice President & Head of Islamic Sales & Business Development, RAKBANK (Mar 2025 – Present)
  Leading Islamic sales and business development strategies, Khadija drives growth and market expansion in this critical sector.
• Head of Sales, RAKBANK (Feb 2025 – Mar 2025)
  Oversaw sales operations, aligning business objectives with customer needs and market trends.
• Deputy Chief Operating Officer, RAKBANK (Jan 2024 – Mar 2025)
  Managed daily operations with a focus on efficiency, compliance, and customer satisfaction across the bank’s functions.
• Executive Vice President & Head – Personal Banking Collections & Recovery, RAKBANK (Aug 2019 – Jan 2024)
  Directed collections and recovery operations, reducing provisions and increasing cash collections while managing costs. Led strategic planning, governance, and regulatory compliance, including UAE Central Bank directives. Spearheaded initiatives in process re-engineering, automation, and complaint management, fostering a strong governance culture and delivering best-in-class customer service.
• Acting Head of Collection, Emirates Islamic (Jan 2017 – Aug 2018)
  Established and led the recoveries unit, collaborating with legal and governmental entities such as Dubai Police and courts. Managed a large team, improved cash collections, and implemented restructuring and repossession strategies.
• Head of Home Finance Operations & Customer Service, Tanfeeth (Jun 2015 – Jan 2017)
  Controlled expenditures, managed service level agreements, and enhanced customer experience through staff development and operational excellence.
• Head of Call Center, Emirates Islamic (Jan 2014 – Jun 2015)
  Managed call center operations post-merger, achieving service level agreements and improving customer satisfaction through targeted training and quality improvements.
• Deputy Head of Collections & Recoveries, Emirates NBD (Feb 2007 – Dec 2013)
  Oversaw collections operations, policy formulation, budgeting, and performance management. Led a team of 32, monitored recovery status, and implemented corrective actions on critical cases.
• Collections Manager, ABN AMRO Bank N.V. (Dec 2003 – Jan 2007)
  Managed debt collection processes, legal actions, and administrative reporting, ensuring compliance with legal guidelines and improving recovery outcomes.
• Branch Manager, RAKBANK (Mar 2001 – Aug 2003)
  Led branch operations, staff management, and customer service initiatives.
• Collections Officer, Mashreq Bank (Oct 1999 – Mar 2001)
  Conducted collections and recovery activities, maintaining accurate records and reports.
• Credit Control Officer, HSBC
  Early career role focusing on credit control and risk management.

Transforming Customer Experience & Driving Operational Excellence

Throughout her career, Khadija has demonstrated exceptional leadership in call center management, operational redesign, and customer journey optimization. She has implemented ‘Mission Zero’ principles—zero errors, delays, and complaints—while embedding strong governance and compliance cultures. Her embrace of AI and digital tools has modernized operational models, driving efficiency and innovation.

Vision and Legacy

Khadija Al Hammady’s legacy is one of transformative leadership and innovation in UAE banking. Her strategic vision and operational expertise have driven significant improvements in efficiency, customer experience, and financial performance. She is recognized as a pioneer who skillfully navigates regulatory complexities while fostering a culture of continuous improvement and talent development. Khadija’s commitment to excellence continues to inspire the financial services industry across the region.

The Arab Leaders Recognition

The Arab Leaders proudly recognize Khadija Al Hammady as a visionary leader in financial services for 2025. This honor celebrates her outstanding contributions to operational excellence, strategic leadership, and innovation within the UAE banking sector, marking her as a role model and trailblazer in the industry.

Khadija Al Hammady’s journey exemplifies how strategic leadership and dedication can transform banking operations, empower teams, and set new standards for customer-centric financial services in the Arab world.