Mr. Ahmed Jafar Al Musalmi
Chief Executive Officer
Mr. Khalil Salim Al Hedaifi
Chief Retail Banking Officer
Mr. Salim Khamis Al Maskry
DGM & Head, Sohar Islamic
Mr. Mujahid Said Al-Zadjali
DGM – IT & Alternate Channels
Abdulali Abdullah Al Lawati
Sr. AGM & Acting Head, HR & Corporate Support
Mr. Kamran Haider
Sr. AGM & Head – Internal Audit
Mr. Karim Fayek Mohamed
Sr. AGM & Head – Risk Management
Mr. Craig Barrington Bell
Chief Financial Officer
Mr. Khalid Khalfan Rashid Al Subhi
AGM and Head of Compliance
Dr. Kalmoor is a PhD holder in Economics from University of Colorado. Prior to joining Bank Sohar, he was the Chief Executive Officer of Oman Finance and Investment Co. LLC and Executive Vice President of the Central Bank of Oman
Mr. Sheshadri was the Managing Director and CEO of the Development Credit Bank, India and Country Manager of Mashreq Bank, India. He also has 16 years with ANZ Grindlays Bank. Sheshadri is an MBA from the Asian Institute of Management, Manila.
Mr. Arora is an experienced banker and business leader with extensive experience in BFSI sector in strategic planning, building new businesses and managing large scale transformation programs in rapid-change environments and multiple geographies. His last held position was at Yes Bank of India as President and Head North & East – Salary, TASC and Capital Market, Branch Banking. Mr. Arora has done MBA in Business Management with dual specialization in Finance and Marketing from IMT, Ghaziabad. He also has a Bachelor’s Degree in Commerce from Ramjas College at the Delhi University and schooling from St. Xavier’s School, Delhi.
Mrs. Munira was the Head of Corporate Affairs at Alliance Housing Bank, prior to which, she was the Deputy Director for Educational Activities at the Ministry of Education. She holds a Bachelors degree in Philosophy & Psychology from Beirut Arab University, Lebanon and a Masters degree in Educational Activities from University of Sheffield, UK. She has also completed the programme on 'Human Resource Strategy in Transforming Organizations', at London Business School.
Khalid Khalfan Rashid Al Subhi is AGM & Head of Compliance. Before joining the service of Bank Sohar, Mr. Khalid Al Subhi associated with Central Bank of Oman for last 19 years’ experience in banking. He has worked as a Bank Examiner conducting on-site examinations of Banks and Finance and Leasing Companies, including Islamic Banks and the operations of Islamic banking windows. Mr. Khalid holds a Bachelor in Banking and Financial Sciences from Arab Academy for Banking and Financial Sciences.
Mr. Narasimhan was the Country Head of Corporate Banking and later as Head of Mid Corporate Business, IDBI Bank, India. He has more than 30 years experience in Banking in the supervisory cadre and holds a Masters Degree in Science (Physics) from Madras University and PG Diploma in Banking from Mahraja Sayajirao University, Baroda.
Mr. Rashad had previously worked for the Central Bank of Oman and later moved to Oman International Bank. Just before joining Bank Sohar in February 2007, he was the Head of Finance in Al Madina Gulf Insurance Company. Mr. Rashad has more than 17 years of experience in the banking sector in Oman. He holds a Bachelor’s of Arts Degree in Economics and Bachelors in Business Administration in Finance from Boston University, and has completed his Certified Public Accountant (CPA) examinations in 2002. He has also completed the General Management Program at the Harvard Business School in 2009. He is also a Board Member and Chairman of Audit Committee on the National Aluminum Products Company (NAPCO) and a Board Member on the Oman Bankers Association.
Prior to joining Bank Sohar in 2006, Mr. Mujahid had worked for Bank Dhofar. He is a pioneer in setting up Bank Sohar’s Information Technology Department (ITD). He was also instrumental in setting up state of the art Technology with many accolades viz First Bank in the Sultanate with ISO/IEC 27001:2005 certification for ITD and fastest Core Banking System implementation which was recognized and awarded in the Banking Technology Award from London. Mr. Mujahid holds a Bachelor’s degree in Computer Science from India and had completed his higher studies in the United Kingdom (UK) to be a Masters holder in Business Administration from Luton University. He has over 20 years of experience in Banking Technology sector in Oman. He has also completed General Management Program from Harvard Business School, U.S.A. in 2013 and graduated the National CEO Program under the patronage of the Diwan of Royal Court in May 2017.
H Gopala Krishnan joined the bank in 2007. Overall he has over 30 years of experience in Credit and Risk Management in the Banking Industry. He has played a pivotal role in maintaining a high quality of corporate assets of the Bank.”
Mr. Mervyn has been a Banker with a career spanning over 30 years in various prestigious banks, both in Oman and Sri Lanka. He has been with Bank Sohar since inception and is credited with setting up and leading the Corporate Banking Department. He is a Fellow of the Institute of Bankers, Sri Lanka and holds an MBA from USA and a Diploma in Project Identification & Appraisal from the Central Bank of Sri Lanka. He has also completed a program on Finance Analysis by D. C. Gardner U.K., a Treasury Products Program from Banque Paribas, Paris and High Performance People Skills at the London Business School.
Mr. Ahmed Al Musalmi’s distinguished career spans more than two decades and has included senior leadership roles at several organisations. His extensive banking experience covers Retail Banking and Wealth Management, Corporate Banking, SME, Trade Finance, Capital Markets, IT, HR and Strategy & Business Planning.
Mr. Al Musalmi is the Deputy Chairman of Oman Bankers Association, a member of the College of Banking and Financial studies’ board, and is a committee member of the Bank Deposits Insurance Scheme (BDIS) at the Central Bank of Oman. He also sits on the boards of a number of prominent institutions including Oman Aviation Group, Special Economic Zone of Duqm (SEZAD), Majan College, and Oman Takaful.
Mr. Ahmed Al Musalmi completed the Harvard Business School Advanced Management Programme and holds an MBA with distinction from the University of Luton, UK as well as an International Diploma in Financial Services. He is a Chartered Market Analyst with Financial Analyst Designate, Chartered Portfolio Manager and Chartered Wealth Manager. He is a fellow of the American Academy of Financial Management and has attended a number of advanced programs including an intensive high performance leadership programme at the IMD business school in Switzerland.
Mr. Mohammad Haris worked as Deputy General Manager and Head of Corporate & SME Banking, Structured Finance and Product Development at Gulf African Bank (“GAB”), the first shariah compliant bank in Kenya. Prior to joining GAB, Mr. Haris worked as Head of Corporate Banking (Regional), Investment Banking and Product development at Meezan Bank – the first and largest Islamic bank of Pakistan. He holds Masters degree in Business Administration from Florida Institute of Technology, USA and Masters degree in Structural Engineering from Virginia Tech, USA.
Mr. Nadeem Iqbal is a Qualified Chartered Accountant (Fellow Member of the Institute of Chartered Accountants of Pakistan) and a Certified Anti Money Laundering Specialist (ACAMS – USA). Prior to joining Bank Sohar, he has held Senior Positions within Compliance, Assurance and Accounting functions for various financial institutions in UAE and Pakistan. He started his career with A.F. Ferguson & Co – Chartered Accountants (a member firm of Price Waterhouse Coopers). Thereafter he has worked for leading Financial Institutions in both Conventional and Islamic Banking space; e.g. Al Meezan Investment Management Limited, ABN AMRO Bank N.V., Mashreqbank (Dubai).
Mr. Nasser had joined the Bank as an Assistant General Manager, Internal Audit on 8 September 2007. He was instrumental in establishing the department when the Bank was formed and went on Acting as the Head of the department for one year.
He has over 30 years’ working experience, out of which 24 years in Banking in the field of Retail, Finance and Audit. He has over 12 years’ experience in Audit.
Prior to joining the Bank, he spent over one year with Standard Chartered Bank and 18 years with Bank Muscat. His last position was Head of Auditing of Support Functions at Bank Muscat.
He holds a Diploma in Accounting from Association of Accounting Technicians, UK and a Diploma in Leadership Management from Institute of Leadership Management, UK.
Salim Joined the Bank in 2007 as AGM- Head of Branches. He has 29 years of experience in Branch Banking. Salim has extensive knowledge and experience in Retail Business, Marketing Retail Products, and Branch Operations. He holds a Master of Business Administration through Hull University, a Diploma in Business English from Business Training Ltd. UK, a Diploma from the Institute of leadership and Management UK and holds a CIMA Certificate for Islamic Banking and Takaful Products. Prior to joining Bank Sohar, Salim held several supervisory and senior managerial roles in Bank Muscat and Oman International Bank.
Mr. Arvind K Sharma is the Senior Assistant General Manager & Head of Risk Management in Bank Sohar SAOG, responsible for the management of Credit, Market, Operational and Information Security Risks in the Bank, through development and implementation of Risk Management Programs to introduce policies, procedures and systems to mitigate the risks of the Bank and ensuring risk compliance.
Mr. Arvind K Sharma brings twenty seven years of diverse banking experience, building high performance cross-functional teams that have consistently delivered good results. He has held a series of roles in Risk Management for over a decade.
Prior to joining Bank Sohar more than two years ago, Mr. Sharma worked with State Bank of India for 24 years, where he successfully handled various assignments in areas such as Risk, Treasury, Credit, Trade Finance, Retail Business and Branch Management etc. He had been extensively associated with implementation of Advance Approaches (Basel II) in Risk Management and was involved in designing and implementation of risk architecture, policy formulations (retail and corporate), development and maintenance of risk reporting system, modeling, analytics and industry guidance for domestic and international operations. He handled Business Process Re-engineering projects across 900 branches covering Trade Finance, Retail Banking and implemented Central Processing outfits.
He holds a Master’s degree in Economics, Post Graduate Diploma in Financial Engineering & Risk Management (FERM), Executive Programme in Management (EPM) from Columbia Business School, and has attended the Advanced Management Programme at Harvard Business School and Wharton/RMA Advanced Risk Management Programme at Wharton School. He is CAIIB from Indian Institute of Banking & Finance. He has also attended many programmes on Risk Modeling, Credit, Market and Operational Risks at various premier Indian Management institutes.
Joining Bank Sohar SAOG in Jan 2007, Mustafa Ali Mukhtar , has been working for the Bank right from its very inception and is currently the Deputy General Manager & Head Corporate Banking at the Bank.
He started his career in banking in 1986 with BOBK, later joining OIB, followed Majan International Bank. In total he has garnered around 30 years of experience in the banking industry, over 24 of which are in Trade Finance.
Mustafa has attended various specialized training courses in India, Singapore, Hong Kong, Egypt and UK as well as OTJ with Midland Bank – UK, BHF Bank in Germany and ABC France; in addition to various other training programs in the Sultanate of Oman. He is also a holder of an ILM degree and is a member of Export Development Working Group of The Public Authority for Investment Promotion and Export Development ( Ithraa ) . He has also conducted workshops for Corporate Clients and various Ministries in the area of Trade Finance.
Before joining the service of Bank Sohar, Mr. Elsamawal worked for major banks and law firms in Sudan. He brings about around 13 years of extensive legal experience, during which he helped organizations and clients doing business in a legal and compliant way and was able to prove himself consistently in major transactions and disputes. Mr. Idris is signaled out by legal directories as an individual with exceptional understanding of Oman’s banking system. He is also commended for his wide-reaching initiatives to improve efficiency and performance in his function. He holds Master’s degree ‘LLM’ and Bachelor’s degree ‘LLB’ in the field of law from the University of Khartoum. He has attended many programs on various legal and compliance matters and has also published articles on the subjects.
Mr. G. Rajasekaran AGM & Acting CFO, is a Chartered Accountant from India and has a 32 years’ post-qualification experience in Finance department of Banking and Manufacturing Industries in India and GCC. He has held middle and senior management positions in Oman International Bank, Oman and Doha Bank, Qatar.
Mr. Pieter De Witt is a qualified chartered accountant with over 20 years of experience in the Banking Sector. Before joining Bank Sohar, he served as Head of Financial Reporting & Review with Arab National Bank and Saudi Hollandi Bank in the Kingdom of Saudi Arabia (KSA). Mr. Pieter has previously worked at globally recognized institutions, such as Merrill Lynch and PricewaterhouseCoopers (PwC) in London, and PwC and KPMG in South Africa.
Mr. Khalfan is a well known banker in Oman with over 33 years of experience. He has worked with British Bank of Middle East and Oman International Bank previously and holds a Diploma in Executive Management from the University of Virginia.
Mr. Kamran is a qualified Chartered Certified Accountant and Certified Internal Auditor with over 16 years of experience in the Financial Services Sector. Before joining Bank Sohar, he served as Deputy Head of Internal Audit of Alawwal Bank in the Kingdom of Saudi Arabia. Mr. Kamran has previously worked at Big4 audit firms, such as KPMG in Saudi Arabia & Pakistan and PwC Ireland. Kamran gained extensive experience of financial accounting, financial reporting, internal controls framework, Sarbanes-Oxley, internal audit, external audit, IFRS and group consolidation during his career.
Mr. Karim is a Professional Banker holding 18 years of experience in global Banking and Financial risk management, during which time he acquired expertise in both Conventional and Islamic banking sectors across the GCC/MENAP regions.
He has worked in the entire spectrum of Commercial, SMEs, Retail and Investment Banking including Shariah-compliant banking. He has diverse and extensive banking background, gleaned from a prodigious career that includes: Credit Risk Management, Operational Risk Management, Market Risk Management, Liquidity Risk Management, Assets-Liability Management, Business Continuity Management, Capital Planning, Risk Analytics & Frameworks, the articulation of Risk Appetite & Risk Regulatory Governance so as to transform and spread Risk-Based Culture across organizations.
His last held position was at Union National Bank (UNB) as a Senior Vice President - Head of Risk management Division. Mr. Karim had done an MBA in Financial Management from the Arab Academy for Banking and Financial Sciences, and current finalization for the Doctorate Degree in Banking and Financial Systems Stability with ESLSCA Business School, Paris, France.
Mr. Khalil Salim Al Hedaifi enjoys an experience of more than 18 years in banking business in general and the areas of Retail Banking, Wealth Management, Strategic Planning, Product Management, and People Management, in particular. Mr. Khalil holds an MBA qualification from Northampton University and his last position was the DGM – Deputy Chief Retail Banking Officer in one of the local banks.
Mr. Craig Barrington Bell joined Sohar International as Chief Financial Officer in January 2019 bringing with him over 25 years of banking experience; 15 of which have been in CFO roles with HSBC and Deutsche Bank including three years as CFO of the Saudi British Bank. Mr. Bell has extensive finance background and deep experience of managing complex international businesses across dynamic and changing markets. Commencing his banking career with Citibank in 1985, Mr. Bell has a plethora of technical and management skills in financial and regulatory reporting, management reporting, financial analytics, system infrastructure & controls, balance sheet management, strategic planning , investor relations and tax. Prior to joining Sohar International, Mr. Bell served for over 2 years as CFO with Al Hilal Bank (Abu Dhabi) . He is a distinguished member of the Institute of Chartered Accountants of Australia & New Zealand and graduated from Auckland University with a Bachelor of Commerce degree majoring in Accounting.
Abdulali Al Lawati joined the Bank in 2008 with decades of experience in many management functions. He has 38 years of varied experience in Education, Administration, Corporate Governance, Corporate Support, IT and Management. He is currently heading the HR & Corporate Support Division and is involved in many strategic initiatives of the Bank.
Abdulali completed his ILM IMQ Diploma in Management. He was subsequently awarded ‘The Level 7 Diploma in Strategic Management and Leadership’ from the Chartered Management Institute (CMI), UK and is a member and fellow of CMI.
Due to his experience and exposure, he was involved in the Re-structuring, Implementation of Strategies and in Facilitating Change Management in the Bank. He is a certified Islamic Banker and was a part of the Islamic Banking formation Committee.
Considering his involvement in many aspects of business and his commitment and dedication, Abdulali Al Lawati was appointed as Acting Head – HR & Corporate Support after functioning as Senior AGM Corporate Support and Secretary to the Board for over 5 years.