<p>Homam Hashem joined Kafalah as General Director of Kafalah-loan guarantee program in December 2017. Homam has over 25 years of experience in the financial sector &amp; financial-consulting services. Homam joined Kafalah and worked on re-engineering the operations, developing new products and expanding the network of beneficiaries of the program. Mr. Hashem has a successful tracking record of managing a risky portfolio and converting opportunities to profit. Also, he supervised areas like consumer financing, SME’s lending, commercial financing, real-estate mortgagees, credit card, auto-leasing, and automation project. Homam has managed several strategic Artificial Intelligent and scoring projects that helped in automating the credit decision and published multiple articles on this subject.&nbsp; Mr. Hashem has worked as VISA International risk advisor representing the Middle East and North Africa region. He is holding a bachelor’s degree in management information system from (KFUPM) and a diplomat in financial engineering from (IPA) He is married and has an inspiring film maker Son.&nbsp;</p>
