Emirates Development Bank (EDB)
Muhammad Ahmad, CGMA CFA, has extensive experience in credit risk management, having held significant roles at major financial institutions. Currently serving in Credit Risk Management for Project and Corporate Finance at Emirates Development Bank since April 2022, Muhammad previously worked as Vice President & Lead of Credit Management at First Abu Dhabi Bank from February 2015 to April 2022. Earlier positions include Head of Credit Analysis at Qatar Development Bank, Corporate Credit Analyst at United Arab Bank, and Branch Credit Manager at Askari Bank, where responsibilities encompassed credit analysis, portfolio management, and relationship management. Muhammad began the career as Assistant Manager of Budgeting & Costing at TAQ Logistics. Academically, Muhammad holds multiple finance and accounting qualifications, including a CFA from the CFA Institute, an Associate Chartered Management Accountant from CIMA, and a CPA from CPA Australia, along with advanced certifications in credit analysis from Moody's Inc.
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Emirates Development Bank (EDB)
Emirates Development Bank (EDB) is the UAE’s development bank, a key financial engine for the economic development and industrial advancement of the nation. Our mission is to foster a healthy, sustainable, and self-reliant economy through the provision of financing solutions to SMEs and corporates domiciled in the UAE and engaged in any of our five strategic priority sectors. These include advanced technology, food security, healthcare, manufacturing and renewables. Given its developmental mandate, the Bank is not-for-profit, offering patient capital and favourable financing terms to our clients. EDB provides direct financing solutions to all clients and also indirect financing solutions to SMEs through guarantees to our commercial banking partners. We go one step further by fostering the UAE entrepreneurship ecosystem with our unique digital banking product suite tailored to start-ups and also non-financial education and mentoring programmes aimed at advancing creditworthiness and financial literacy. As the UAE’s development bank, EDB seeks to attract and retain the best talent through a supportive culture and continuous professional development opportunities. The Bank’s employees are united by the shared commitment to develop the UAE economy, a goal which is embedded in every aspect of their work and fills them with a sense of pride. Emirates Development Bank’s vision is to be a key financial engine dedicated to the economic development and industrial advancement of the UAE.