Gulf International Bank
Pankaj Parmar has over two decades of experience in the financial sector, specializing in risk management, credit policy formulation, and personal loans. Currently serving as the Head of Retail Risk at Gulf International Bank since September 2011, Pankaj is responsible for developing Retail Credit and Collections Policies and managing compliance in consumer loans and credit card underwriting. Prior roles include Head of the Secured Lending Unit at Arab National Bank, where Pankaj formulated credit policies for mortgages and automobile financing, and Country Head-Personal Loans at Apnaloan.com, overseeing revenue and profitability. Pankaj's career includes positions at American Express Bank, ABN AMRO Bank, Esanda Finanz & Leasing Ltd., and Gujarat Lease Financing Ltd., with a strong focus on product management and relationship building across various loan segments. Pankaj holds an MMS in Finance from the University of Mumbai and a BBA in Finance from Sardar Patel University.
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Gulf International Bank
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Gulf International Bank B.S.C. (GIB) is a pan-GCC universal bank established in 1975 and regulated by the Central Bank of Bahrain. GIB provides diverse financial products, services and bespoke banking solutions to a wide client base in the GCC, Europe and North America. This includes corporate, institutional, global transaction and investment banking; treasury and asset management; and meem, the world’s first fully-digital Shariah-compliant retail bank. The Group is active across regional and international markets through its subsidiaries GIB Saudi Arabia and GIB (UK) Ltd and its branches in the UAE and USA. GIB Saudi Arabia is the first foreign-domiciled bank to establish a local commercial bank in the Kingdom. Headquartered in Al Khobar, the bank has branches in Riyadh and Jeddah with its Riyadh based subsidiary, GIB Capital, delivering the Bank’s investment banking activities. Its activities span equity advisory and placements, mergers, acquisitions and privatisations; debt capital market solutions and strategic financial advisory, along with asset management and equities brokerage. GIB (UK) Ltd is a London and New York-based global asset manager with AUM in excess of US$ 11 billion. As a signatory to the UN Principles for Responsible Investment, it offers sustainable investment strategies. GIB is owned by the governments of the Gulf Cooperation Council countries, with Saudi Arabia’s Public Investment Fund being the primary shareholder.