Mr. Rafik holds a bachelor’s degree majoring in Financial Management. He is also a CFA charter holder, a Certified Management Accountant (CMA), and a Certified Financial Manager (CFM).
Mr. Rafik has more than 24 years of local and regional experience. He has worked in various sectors including banking, retail,
and consumer goods, assuming leadership roles such as Strategic Planning Director, Head of Finance, CFO, and Group CFO. Throughout his career,
he has accumulated a wealth of experience in financial statements preparation and analysis, investment valuations, feasibility studies, budgeting, treasury, mergers & acquisitions, and investor relations.