Ayman Alhabib

Chief Risk Officer

Ayman Alhabib is a founding member and Chief Risk Officer of D360 Bank, where he built the digital lender's risk strategy from the ground up, covering risk models, Basel approaches, IFRS 9 compliance and credit portfolio reporting. He previously served as Chief Risk Officer at Emkan Finance and held senior risk leadership roles at Al Rajhi Bank. He holds a bachelor's degree in management information systems from King Fahd University of Petroleum and Minerals and an MBA from King Saud University, where he graduated top of his class. He was recognised with an Excellence in Risk Governance and Credit Strategy award at the Credit and Collections Summit Saudi Arabia in 2025.