Feroz is an accomplished banking professional with over 38 years of experience in the GCC/Middle East, North America, and India. He has worked in various roles throughout the commercial and investment banking sphere, including Shariah-compliant and ethical banking. Feroz's core competency lies in enterprise-wide risk management and strategy, and he has held the position of Chief Risk Officer (CRO) at multiple institutions, with appointments approved by central banks in the UAE and Kuwait.

Feroz is a recognized leader in risk management, having been designated a "Leading Practitioner in Risk Management" by The Asian Banker. He has set up industry best-practice-led risk management and compliance frameworks in two start-up/green-field banks and led change in a risk management framework during a major financial institution's transition to Basel compliance under the Internal Ratings Based Approach. Feroz has experience with several economic upturns and downturns and has used stress testing and rapid portfolio reviews as tools for early warning signals, remedial management, workouts, and participated in major restructuring.

An academic and professional superstar, Feroz holds a master's degree in business and finance, a bachelor's degree in law and accounting, and a professional certification in banking. Additionally, he holds diplomas in business finance (Indian equivalent of CFA), has a certification as a CDPSE™ Certified Data Privacy Solutions Engineer™, and has completed executive education from INSEAD on risk management in banking. Feroz is an active member of the CRO community in Canada, GCC, and India, reviewing and recommending regulatory environment changes on the key risk factors in the current volatile financial and economic environment.

Feroz frequently appears as a speaker and panelist at conferences, forums, and seminars, where he shares his expertise, including his insight into assessing risks associated with blockchain and fintech disruption in banking and the digitalization of financial services. He has developed a strong and extensive network with regulators, industry peers, and experts.