Arnold Acosta Barrion

Manager, Corporate Credit Strategy & Policy,

Al Rajhi Bank

September 2023 – May 2025

• Led execution of the Early Warning Signal (EWS) project for Wholesale Banking.
• Developed and reviewed business credit programs in line with policy and risk appetite.
• Oversaw portfolio team deliverables | supported strategic decision-making through reporting to Risk Committee and Board.

Manager, Retail Risk Strategy and Reporting

Al Rajhi Bank

June 2022 – August 2023

• Spearheaded the development of a three-year retail risk strategy approved by the Board.
• Delivered granular risk analysis | enabling data-informed decisions by top management.
• Managed monthly packs for Retail Risk Committee and Board | and supported third-party reviews and dashboard creation.

Manager, Retail Risk Analytics

Al Rajhi Bank

April 2020 – June 2022

• Led a team of risk analysts and data scientists in credit risk model development.
• Delivered MIS | stress testing | and ad-hoc retail risk reports.
• Enhanced retail underwriting policies and KPI achievement.

Corporate Banking Relationship Manager

Al Rajhi Bank

February 2016 – April 2020

• Managed large corporate accounts and supported deal closures exceeding SAR 500MM.
• Recognized for closing a SAR 1.25 billion deal with Fawaz Alhokair Group.
• Served as pilot Risk Management Credit Officer for a new corporate credit system.

Corporate Banking Relationship Manager – Financial Restructuring

National Commercial Bank

December 2013 – January 2016

• Managed non-performing loans | achieving recovery rates above 100 percent of budget.
• Structured recovery strategies and restored distressed accounts to financial health.

Corporate Credit Analyst & Financial Analyst

National Commercial Bank

May 2011 – December 2013

• Assessed corporate credit risk | developed financial analyses | and participated in annual reviews and client negotiations.

MIS & Financial Planning Specialist

National Commercial Bank

August 2007 – May 2011

• Developed financial dashboards and performance reviews for corporate banking.
• Improved turnaround time on business data requests through effective SQL reporting.

Operations Manager & Senior Accountant

Multiple Companies (Philippines)

2001 – 2007

• Managed operations and financial functions for manufacturing and food service companies | improving productivity and cost control.

Bachelor of Science in Accountancy

Ateneo de Naga University, Philippines