1. Nawal Sami Ahmed Baddar Tel:+965-90967111
Email 1: nbaddar@Tharwa.com
Email 2: Na812001@hotmail.com
Place & date of birth: Kuwait, Sep 09th ,1981
A self-motivation financial and risk analyst with more than 10 years of finance functional expertise in
financial modelling, investment valuation, risk management, corporate governance compliance, business
intelligence and preparation risk strategic plan, polices, procedure. Specialized in production detailed
financial models and business valuation report in accordance to IFRS reporting standards. Experienced in
market intelligence and business practices in field of investment, construction, real estate.
Currently seeking a Financial-related position with a leading organization where I can implement my
extensive experience and accumulated knowledge in corporate finance and risk management.
Academic Education
Bachelor of Commerce, 2001; Accounting Major; Ain shames University; Cairo, Egypt
Diploma in banking studies,2003; Ain shame university, Cairo, Egypt
General Diploma,2002; Microsoft certified system, , Cairo, Egypt.
Successfully Completed Certificate management account (Part 2 only : Costing & budgeting )
Jun,2010;Kuwait.
Professional training course
Certificate Financial risk management (FRM) candidate, current period.
Anti-Money laundering course, 17 February 2014.
Introduction to risk management Course, 8 December 2013.
Anti-Money laundering Course, 30 May 2012.
Certificate management account course), 24 Dec 2009.
Anti-Money laundering Course, 11 Aug 2015.
Internal audit Course, 7 Oct 2015.
Internal audit Course according to CMA regulations, 24 Jan 2016.
Advanced Financial Analysis Program, 19 May 2016.
Anti-Money laundering Course, 16 May 2016.

2. THARWA INVESTMENT CO.
CAREER EXPERIENCE
2009 – present / risk management & internal audit Manager (registered @ Capital market
authority)
Company Overview Tharwa Investment Co is a company specializing in the field of asset management,
investment services and researches (Investment in the middle east & north African MENA, Direct
investment, International investment, Corporate finance, Strategic investment, Consulting services,
Underwriting and issuance of securities, merges and acquisitions, Research and feasibility studies). For the
Second Year in a Row Tharwa Funds Wins Reuters Lipper Fund Awards as the Best-Performing Funds in
Kuwait. www.Tharwa.com
Job description
 Devise and implement the Company risk management strategy, policies and procedures according to
corporate governance principles and regulations.
 Participate in the review and recommendation of asset allocation and other investment policies to the
Systems.
 Evaluating and identifying area of risks for portfolios, asset under management risks, Company
liquidity risk, interest rate risk ,Foreign currency risk, Credit risk, capital risk and concentration
using complex quantitative models and using risk models (e.g., beta analyses, stress test, VAR with
confidence level 95% & 99%, Standard deviation, P/BV, P/E, sensitivity of equity market
movements, risk trade off Performance against benchmarks, Liquidity rations, cost of funding rate,
sensitivity tables ….etc) to review implications of investment decisions on total portfolio risk.
 Prepare periodic reports and make presentations to top management, committees and capital market
authority regarding risk measurements issues.
 Devise and implement risk assessment structure to maintain and update risk rating and expected loss
models by validating and recalibrating the master rating scale, risk rating scorecards, and expected
loss models.
 Recommend new and innovative risk management strategies, including identifying effective risk
management technology and Building cultural awareness of the risk within the organization and
provide advice regarding ways to control or reduce risks.
 Work with internal audit and compliance officer to assess effectiveness of risk management systems.
 prepare operational risk report for each department according to CMA principle and Determine risk
rating and the percentage of completion of the notes.
 Perform related assignments or special projects as may be required.
 propose desirable actions that will improve the performance of work within my limited
responsibility.
Achievements related to compliance
 A Member of the compliance Group to implement and provide the authority – Supervision Sector,
Corporate Governance with evidence of fulfillment of the requirements mentioned in the corporate
governance rules issued by CMA.
 Devise and implement structure of policies and Action Charter of Committees accordance with
Corporate governance principle and regulations issued by the capital market authority(CMA).
 Ensuring compliance with corporate governance principle and regulation issued by(CMA).

3. Achievements related to Auditing
 Supervise Implement Policy of Internal control systems.
 Supervise the internal audit reports and internal control reports (ICR)
 Supervise the annual internal audit plan.
 Review and make sure from the safety of the company's policies with regulators instructions.
 Review periodic Internal audit reports
 Review periodic reports to be submitted to top management and take corrective action if any before
the final approval from Ex. vice president (e.g., BS, PL, Asset allocation, asset under management,
Loans to client, CAFV investment, AFS investment, Key Financial highlights analysis, income by
departments, Actual VS budget).
 Review periodic reports to be submitted to Regulatory authorities (e.g., all types of central bank of
Kuwait and capital market authority reports).
 Review periodic closing entries (e.g., Portfolio evaluation, Fund evaluation, Fund and client
management fees, interest expenses and income, asset depreciation, accrues expenses and income,
leave & indemnity and loans granted provisions and subsidiary share of results).
 Review periodic net asset value for local & foreign funds.
GULF CONSTRUCTION & TRADING Co. Kuwait.
2006 – 2009/ Financial & administration supervisor
Company Overview Gulf Construction & Trading Co. has been shaping lives, communities and landscapes
in Kuwait since the company’s inception in 2001. The company specializes in creating value at Design /
Build, Electromechanical Works, Construction Strategies, Cost Estimates & Budgets, General Contracting,
Value Engineering www.gctkuwait.com.
Job description
 Production of accounts, budgeting, forecasting, financial analysis, payroll, management of the ledger
department, and all other accounting related activities.
 Ensuring systems are in place to regularly review financial performance across the company and that
budget managers are supported to undertake budget monitoring as part of the financial control
framework
 Liaising with the operational managers to produce monthly management accounts, providing
commentary to senior management on significant variances.
 Overseeing the debtor management process to ensure that debts are recovered on time, and to
minimize debts
 Set up and maintain fixed-asset register and calculating depreciation.
 Supervising all data entry and posting, and overall accounting operations.
TRADE VISION LOGISTICS Co. Kuwait.
2003 – 2006 / Senior account
Company Overview TVI was the agent of the main contractor of US army (KBR) and IAP worldwide
services for Kuwait national security system. www.iapws.com
GULF CONTRACTING & TRADING Co . Egypt
2000 – 2003 / Accountant

4. Personal skills
Personal skills
 Financial & scenarios modeling /analysis.
 Investment valuations.
 Financial forecasting.
Computer skills
 Reporting ( word, excel , PowerPoint)
 Investment & accounting (data base, oracle , Marsoft)
 Research ( survey monkey website)
Language skills
 Proficient in speaking, writing and reading Arabic and English