Abdrehman Tihar

Results-driven banking professional with over 13 years of progressive experience at Abay Bank S.C., specializing in Interest-Free Banking (IFB) operations, financial management, and multibranch oversight. Holds an MBA with Distinction (CGPA 3.67) and a BA in Finance & Development Economics. Demonstrated ability to lead large teams, manage complex financial reporting, support 530+ branches, and drive operational excellence across diverse banking functions.

Senior IFB Operation Officer at Abay Bank S.C. (2020-12 – Present)

Interest Free Banking Department

• Lead day-to-day Interest-Free Banking (IFB) operations in full compliance with Sharia principles and National Bank of Ethiopia directives.
• Administer Profit Distribution Management (PDM) processes, ensuring accurate and timely distribution to depositors.
• Provide technical and operational support to over 530 IFB-enabled branches across the country.
• Develop operational guidelines, training materials, and policy updates for branch-level IFB staff.
• Liaise with the Finance Department and senior management on IFB-specific regulatory and reporting matters.

Senior Accountant at Abay Bank S.C. (2019-06 – 2020-12)

Finance Department

• Prepared and reviewed financial statements, management accounts, and regulatory reports in line with AAOIFI standards.
• Coordinated month-end and year-end closing processes, ensuring accuracy and timeliness.
• Conducted variance analysis and provided actionable insights to management for strategic decision-making.
• Collaborated with internal and external auditors, addressing queries and implementing audit recommendations.

Branch Manager at Abay Bank S.C. (2015-09 – 2019-06)

Habtegiorgis Branch

• Managed all branch operations including customer service, credit assessment, cash management, and staff performance.
• Grew the branch deposit portfolio and loan book by fostering strong community and corporate relationships.
• Supervised a team of 15+ staff, conducting performance appraisals, training, and professional development.
• Ensured full regulatory compliance and achieved consistently high audit ratings.

Accountant at Abay Bank S.C. (2014-04 – 2016-09)

Lalibela & Bomb Tera Branches

• Managed daily accounting transactions, reconciliations, and financial record maintenance.
• Processed loan disbursements, customer deposits, and inter-branch settlements accurately.
• Assisted branch management in preparing monthly performance and financial reports.

Junior Accountant at Abay Bank S.C. (2012-01 – 2014-04)

Gondar Branch

• Handled daily teller operations, cash balancing, and customer account management.
• Supported senior accountants in bookkeeping, GL entries, and regulatory submissions.

Master of Business Administration in MBA – Yardstick International College (2022-10 – 2024-09)

Bachelor of Arts in Finance & Development Economics – Addis Ababa University, School of Commerce (2007-09 – 2009-07)