Eng. Loai Hassan Abduljawad is a results-driven executive with more than 25 years of leadership experience in banking, finance, and fintech across top-tier institutions in Saudi Arabia. Currently serving as Chief Executive Officer – Lending at Tiqmo, he leads the strategic launch and expansion of digital lending services.
His visionary leadership was instrumental in the successful submission of Non-Banking Financial Institution (NBFI) licenses to the Saudi Central Bank (SCB), to enable the introduction of commercial lending services. He also played a pivotal role assisting in obtaining the Electronic Money Institution (EMI) license, expanding Tiqmo’s fintech footprint.
Eng. Loai influenced core technical and strategic decisions, including platform selection, the integration of e-wallet and lending businesses, and the establishment of scalable cross-selling opportunities. Under his guidance, Loai engineered a real-time digital financial offering and built a dedicated business line with a tailored organizational structure and technology-focused roles. As a key member of the executive team, he consistently drives initiatives from initial concept through full market launch, positioning Tiqmo at the forefront of Saudi Arabia’s digital transformation.
Pioneering Growth in SME and Auto Business
Before joining Tiqmo, Eng. Loai served as Assistant General Manager for SME, Micro-Business, and Auto Business at Al Rajhi Bank. In this role, he spearheaded sustainable growth strategies through the implementation of a regional SME booking model, successfully reducing Non-Performing Loans (NPLs).
He revolutionized SME banking and Auto business by introducing fully digital SME and Auto Lease businesses, enabling customers to benefit from seamless, technology-driven financial services. His leadership launched innovative product suites that not only boosted profitability but also created a specialized sales team dedicated to these segments. His enhancement of the design structured Point of Sale (POS) financing solutions further diversified offerings and improved customer convenience.
In addition, Eng. Loai focused on employee morale, governance, and structural improvements within all businesses under his leadership. These initiatives enhanced both sales performance and customer experience while reinforcing sustainable organizational growth.
Proven Executive Success at Emirates NBD-KSA
As Chief Executive Officer at Emirates NBD-KSA, Eng. Loai delivered exceptional performance and institutional expansion by obtaining and opening new branches. He chaired critical governance committees, including the Asset-Liability Committee, Executive Committee, and Business Review Committee, while maintaining strong relationships with the Saudi Central Bank, Ministry of Commerce and Industry and government and privet entities
Under his leadership, Emirates NBD achieved sustained net profit growth over four consecutive years, driven by streamlined processes, operational cost reductions, and expansion of the loan book and branch networks. He championed digital adoption, employee training programs, and innovation-driven initiatives that positioned the bank as a leader in the competitive Saudi financial sector.
Early Career Leadership and Business Development
His earlier career is marked by foundational leadership roles that shaped his expertise in business, retail and SME banking. As Head of Business Banking at Bank Albilad, he established the Business Banking Group from inception, creating structures and strategies that supported rapid growth. At SAB Bank, he served as Head of SME, managing SMEs nationwide.
These experiences were complemented by his involvement in Islamic banking product development and commercial banking relationship management, where he consistently delivered growth while aligning with robust corporate governance.
Academic Excellence and Professional Development
Eng. Loai holds a Bachelor of Science in Mechanical Engineering from King Abdulaziz University, a technical foundation that supports his structured problem-solving and strategic approach. In addition, he earned certifications in Professional Business Coaching and Life & Relationship Coaching from Mars Venus Coaching, equipping him with people-focused leadership skills. Moreover, he completed several certified courses and trainings covering business, finical sector and governance.
This unique blend of technical expertise and human development enables a holistic leadership style that balances innovation, strategy, compliance, and employee growth.
A Visionary Leader Shaping the Future of Finance
Eng. Loai is passionate about driving innovation, operational excellence, and sustainable growth through agility and customer-centric strategies. Whether introducing new ventures, delivering improved financial outcomes, or driving governance frameworks, his leadership is defined by strategic foresight and flawless execution.
Today, he is focused on building future-ready financial institutions, leveraging innovative ecosystems, forging strategic partnerships, and scaling digital transformation in banking and fintech. His extensive experience and proven achievements position him as a transformative leader in Saudi Arabia’s evolving financial landscape.
Recognized Impact and Industry Influence
Eng. Loai is widely recognized across the Arab financial sector as a leader of influence and foresight. His contributions have helped reshape financial services in Saudi Arabia, inspiring organizations to embrace change, foster innovation, and deliver superior customer outcomes.
More than a CEO, Eng. Loai is a pioneering leader shaping the future of digital transformation in the financial sector in Saudi Arabia and beyond.
