Haitham is a retail banking veteran with more than 25 years experience in retail banking product development, marketing management, digital financial services development as well as private banking services. Hammad holds a BA in Economics from the Faculty of Economics and Political Science and holds an MBA degree from the Maastricht School of Management Sciences in the Netherlands. Hammad has worked in multiple financial institutions and has experience in managing retail banking product development and marketing teams in locations such as the United Arab Emirates and Singapore, Egypt and Lebanon. The last position Hammad held was Head of Retail Banking at SAIB. Before that he was Head of Retail Banking and Branches for aiBANK and Senior Director for Marketing Communications for CIB, Egypt. Prior to this he was the Regional Head of Marketing and Business Development for North Africa and the Levant at HSBC Bank, Middle East.