Farrukh holds a Bachelor of Science and Industrial Engineering degree from Oklahoma University, and a Master’s in Business Administration (MBA) from the University of Notre Dame, Louisiana. He has over 32 years of credit & risk management experience in the banking sector. Before joining Barwa Bank, he served as AGM – Head of Risk Management at International Bank of Qatar (ibq), since 2016. After 16 years at Bank of America, where he headed the Emerging Markets Risk and Credit functions, Farrukh spent 12 years at Mashreq Bank Dubai in various senior positions. More recently, he was the Acting Chief Credit Officer of United Arab Bank (UAB).