About Us
Management Profile
Dr. Khalifa Al-Ghammari - General Manager, Al Yusr Islamic Banking
An Omani National, Dr. Khalifah Al Ghammari holds a Doctorate in Business Administration from the Binary University of Management and Entrepreneurship, Malaysia and has accumulated over 26 years of experience in the Banking Sector. Prior to joining OAB as the Head of Government Banking Services in November 2016, Dr. Khalifah held a number of executive positions in several prominent Banks within the country. He has also gained significant experience in the Islamic Banking Sector having done his DBA thesis in Islamic Banking and publishing research papers on Islamic Banking in international journals.
Mr. Abdul Rahim Juma Al Zadjali – Head of Retail Banking
Mr. Abdul Rahim has more than 25 years of banking experience. Mr. Rahim has worked in various senior managerial positions in Oman Arab Bank such as Manager, Direct Sales for Muscat and Dakhilya region, Asset Manager Auto Business etc.

He was also involved in establishment and set up of direct sales department in Oman Arab Bank. Mr. Rahim has also worked in other leading commercial banks in the Sultanate of Oman such as Bank Muscat, and Bank Dhofar.
Mr. Khalid Al-Obaidani - Head of Al Yusr Corporate Banking
Mr. Khalid Abdullah Al Obaidani, the Acting Head of corporate & SME of Al-Yusr is B.Sc Finance from Sultan Qaboos University. He is also a Certified Lender Business Banker from the American Bankers Association and has also attended several seminars on corporate banking, credit risk, sharia compliant products, etc. Mr. Khalid Abdullah Al Obaidani has a diverse banking experience for 20 years having started his career with the National Bank of Oman in and subsequently worked with Bank Muscat and Taageer Finance Co. SAOG.
Dr. Muhammad Iman Sastra Mihajat - Head of Shari’a Audit and Shari’a Compliance
Muhammad Iman Sastra Mihajat, Ph.D is Head of Shari’a Audit and Shari’a Compliance of Al Yusr Islamic Banking - Oman Arab Bank. He is a well-known Sharia expert in Indonesia and founder of iMan Institute of Islamic Finance (IIIF). He has an experience not only in Islamic Banking industry, but also in Islamic Capital Market, Private Equity and Venture Capital, Islamic Insurance (Takaful) and Shari’a Advisory. He teaches in several well-known Universities in Indonesia such as Universitas Indonesia, Padjajaran University, Trisakti University, Islamic University of Syarif Hidayatullah, Al Azhar Indonesia University, and Azzahra Islamic University. He presents paper in many International Conferences such as Sudan, Azerbaijan, Italia, Saudi Arabia, Iran, Malaysia, Indonesia, Pakistan etc.

Dr Muhammad Iman holds a LLB (Shari’a) from Al Azhar University Cairo Egypt, Postgraduate Diploma in Islamic Banking and Finance (IIiBF), Master in Finance and Ph.D in Islamic Banking and Finance (Institute of Islamic Banking and Finance, IIiBF) International Islamic University Malaysia (IIUM).
Mr. Zuhair Haider Darwish Al-Zaabi - Head of Al Yusr IT
Zuhair Haider Darwish has 30 years of diversified IT management experience covering network support, systems programming, systems administration, user support/ training, and technical troubleshooting with deep understanding of computers and networking. He has broad experience in technology assessment and deployment, budgeting, contract negotiation; recruiting and retention; business planning and implementation and project management. He is well versed in effectively communicating with managers at all levels and successfully integrates information technology into business processes and systems.

Mr. Darwish is associated with Oman Arab Bank since last 16 years managing large & robust infrastructure projects. Prior to joining OAB, he worked for 8 years as Technical Consultant for Muscat Securities Market. He started his career as Systems Programmer in Ministry of Finance & Economy, where he worked for 6 years in technical support.
Ms. Ibisam Moosa Kadoo Al-Zadjali - Head of Credit Administration
Ms. Ibtisam Al-Zadjali has done Bachelors in Business Management from Staffordshire University, UK. She has a diverse banking experience of 20 years, starting from Oman International Bank SAOG, National Bank of Oman and subsequently working with Oman Arab Bank as Relationship Manger in Al Yusr Islamic window.

She is an eager learner and has attended several seminars on corporate banking, credit risk, Shari`a compliant products, etc. during her professional career.
Mr. Khondkar Mohammad Rakibul Islam – Senior Manager Product Development
Prior to joining Oman Arab Bank, Mr. Rakibul Islam was the Head of Product Development for Islamic Banking Division of Standard Chartered Saadiq Malaysia where he successfully lead the Islamic Product Development, managed the Product team and implemented the country product strategies for Islamic Banking.

He has more than fifteen years of banking experience with specialization in Islamic Banking in the last eight years. Besides Malaysia Mr. Rakibul Islam has also worked in Bangladesh and U.A.E as Senior Manager for Standard Chartered’s Saadiq - Global Islamic Product team where he used to look after six different geographies including entire GCC, Bangladesh, Pakistan, Malaysia, Indonesia and Singapore.

Mr. Rakibul Islam has completed his Masters in Commerce degree with Major in Finance from University of Dhaka, Bangladesh.
Mr. Muhammad Tayyab Raza – Senior Manager Finance
Muhammad Tayyab Raza is a Certified Chartered Accountant and member of Institute of Chartered Accountants of Pakistan. He has diversified experience in the fields of accountancy, finance, Islamic commercial / investment banking, audit and consultancy. He is also Certified Islamic Banker from State Bank of Pakistan.

During his career, he has served many Islamic Financial institutions in Pakistan and Bahrain. He has also served Ernst & Young, Bahrain in Islamic Financial Services Group.
Mr. Ghulam Fareed - Manager Central Operations
Joined Al Yusr, Oman Arab Bank in April 2013. He is carrying a vast banking experience of 23 years including 10 years of Islamic Banking with different operations department. Before joining Al Yusr Islamic Banking, he was working with Burj Bank Limited, Pakistan as Head of Trade Services & Remittances. He also served MCB Bank Limited (third largest bank of Pakistan) for thirteen years in different positions including branch and Head Office.

In Al Yusr Islamic Banking, he is responsible to manage the Central Operations department which includes Remittances, Trade Finance, Treasury Back Office and Islamic Finance. He has done his Bachelor of Commerce, Banking Diploma-1 and Diploma in Islamic Banking.
Mr. Awaludin Gumbira – Senior Risk Officer
Awaludin Gumbira has more than ten years of experience in Islamic Banking, he is an Enterprise Risk Management Certified Professional (ERMCP), and he also holds Bachelor in Statistics Science and Master Degree in Management. Prior joining Oman Arab Bank, he was Group Head of Risk Management and Financing Review at Bank BJB Syariah, and Section Head of Risk Management & Compliance at CIMB Niaga Syariah Indonesia.

With his diversified knowledge and experience in the fields of Islamic Banking, finance, business, and marketing research, he also was trusted to handle Business Development and Corporate Planning at his previous banks for a period of time. Prior joining banking industry, he served as Research Executive and also Data Processing Executive in several marketing research companies.