Hilal Al Rasbi has over 24 years of experience in the banking sector, specializing in card operations, collections, and retail banking. Currently serving as the Head of Cards, Collections & Real Estate at Bank Nizwa since October 2014, Hilal also holds the position of Acting Head of Operations. Previous roles include the Head of Retail & Card Operations at Bank Nizwa, Head of Card & E-Banking Operations at Bank Sohar, Senior Cards Risk Officer at Bank Muscat, and Officer - Cards Clearing & Settlement at BankDhofar. Hilal began a career in banking as a Retail Teller at the National Bank of Oman. Academic credentials include a degree from the University of Technology and Applied Sciences obtained between 1995 and 1998.