Osama Bahaa is a seasoned executive with over two decades of experience in the financial services industry, specializing in consumer banking, digital payments, and product development. Currently, he serves as Head of Cards at Al Rajhi Bank in Saudi Arabia and spearheads strategic initiatives to enhance card offerings and payment solutions.

His career trajectory includes pivotal roles at leading financial institutions such as First Abu Dhabi Bank, Barclays, and Citibank. Osama is renowned for his expertise in developing customer-centric value propositions and forging strategic partnerships with global brands with payment schemes.

A strong advocate for digital transformation, Osama has a proven track record in driving business growth, managing P&L, and leading high-performing teams. His leadership is characterized by innovative thinking, strategic vision, and an unwavering commitment to enhancing customer experiences through cutting-edge financial solutions.