Humaid Mudhaffr is the Director of Business Development at Kafalah. Mr. Humaid has more than 20 years of experience in credit bureau management and operations, developed his career through engaging in establishing first national consumer credit bureau “SIMAH” under the supervision of Saudi Central Bank SAMA. He was leading executive for building Commercial credit bureau “SIMAT” and subsequently developed national financial data repository “NDPP”. Further indulged with advance analytics in managing the project of multiple bureau scorecards for assessing consumer creditworthiness and final risk. Acted as Board Member for reputable organization in advance credit analytics serving the MENA regional market and represented as Committee member for the alignment between GCC countries for developing the operational model of across boarder credit information sharing, which has been approved by GCC Central Banks Governors committee. Currently He holds the position GM for Business Development and Research at KAFALAH SME Guarantee Financing Program for driving the strategic partnership expansion with government and private sector in order to encourage SMEM’s financing growth as per Saudi Vision 2030. Nevertheless, Humaid had many professional and executive training programs at international schools such as IMD & INSEAD and initially had Management Information Science degree from Southern University at New Orleans, USA.