Updates:

Get upto 4%* on our Savings Account Balances with Nova Financial Systems.

More Details

Dear Customer, We have launched Video KYC facility for New customer to open savings account.

Hi, I am Rafeel Nidal

Head of Credit / Lending

With my experience in banking, I lead the Credit and Lending division with a focus on sound judgment, strategic foresight, and unwavering discipline. I believe in responsible lending, guided not by fleeting desires, but by long-term value and integrity. My role is to ensure that every credit decision supports sustainable growth, protects the institution, and empowers our clients.

18 Years Experience

  • Develop and enforce lending policies
  • Assess credit risk and approve loans
  • Manage loan portfolio performance
  • Lead credit and lending team
  • Ensure regulatory compliance
  • Build client-focused credit solutions
  • Report credit metrics to senior leadership