Verified Institutional Expertise

Arnold
Acosta Barrion

Senior Manager, Business Banking Policy at The Saudi National Bank (SNB). Leading excellence through strategic institutional governance.

location_on Riyadh, Saudi Arabia
calendar_today Since June 2025 – Present
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Academic Pedigree

Ateneo de Naga University, Philippines •

Bachelor of Science in Accountancy

Technical Ecosystem

Credit Risk Strategy Corporate & Retail Banking Financial Planning & Analysis Portfolio & Data Analytics Fraud Prevention & Forensic Accounting MIS & Management Reporting EWS Systems Team Leadership & Training

Strategic Leadership Domains

payments

Core Governance

Advanced orchestration of high-impact corporate strategies.

analytics

Fiscal Architecture

Designing complex financial frameworks for large-scale growth.

Professional Biography

Arnold Acosta Barrion is a seasoned risk management leader with over 20 years of diversified experience in financial services, specializing in business banking credit policy, corporate and retail risk strategy, and financial performance management. A Certified Public Accountant (CPA) and Certified Fraud Examiner (CFE), Arnold has held multiple leadership roles at Saudi Arabia’s top financial institutions. He has demonstrated a strong ability to formulate data-driven credit strategies, lead high-stakes restructuring projects, and support top-level decision-making through robust reporting and analytics. Currently pursuing his Financial Risk Manager (FRM) certification, he continues to enhance his expertise in forensic accounting, audit, and advanced credit risk modeling.

Career Timeline

Tracing the trajectory of elite institutional leadership.

September 2023 – May 2025

Al Rajhi Bank

Manager, Corporate Credit Strategy & Policy,

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.

June 2022 – August 2023

Al Rajhi Bank

Manager, Retail Risk Strategy and Reporting

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.

April 2020 – June 2022

Al Rajhi Bank

Manager, Retail Risk Analytics

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.

February 2016 – April 2020

Al Rajhi Bank

Corporate Banking Relationship Manager

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.

December 2013 – January 2016

National Commercial Bank

Corporate Banking Relationship Manager – Financial Restructuring

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

May 2011 – December 2013

National Commercial Bank

Corporate Credit Analyst & Financial Analyst

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

August 2007 – May 2011

National Commercial Bank

MIS & Financial Planning Specialist

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

2001 – 2007

Multiple Companies (Philippines)

Operations Manager & Senior Accountant

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

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