Sajid Iqbal

Sajid Iqbal is Head of Financial Risks and ICAAP at Habib Bank AG Zurich, UAE, where he leads market, liquidity, treasury, model risk, and capital planning under CBUAE and FINMA supervision. He brings a practitioner's lens to capital and risk governance, translating regulatory complexity into decisions boards and risk committees can actually use. He has built his reputation on a capital and supervisory lens that goes beyond compliance recap: how risk frameworks translate into real P&L impact, real capital cost, and real decisions under pressure. He speaks and writes on capital frameworks, model risk, and the realistic limits of AI in financial risk management. Sajid is known for challenging consensus thinking with a practitioner's grounding rather than theory.