Muhammad Usman Khalid

Muhammad Usman Khalid is an experienced finance professional with a strong background in credit control and operational management. Currently serving as the Manager of the Credit Control Department at ADIB - Abu Dhabi Islamic Bank since January 2014, Muhammad has successfully developed and implemented credit control policies that have enhanced efficiency and reduced costs. Previously, as the Operations Control Manager at Mashreqbank, responsibilities included establishing effective controls across multiple operational units and identifying process gaps. Early in the career, Muhammad held positions as an Assistant Project Manager and Sr. Documentation Officer at Injaz, a subsidiary of Mashreq. Muhammad holds an MBA in Accounting and Finance from the Institute of Management Sciences in Lahore, Pakistan, obtained between 1996 and 1999.