Hl Kritzinger

Results-driven leader with 25+ years in international banking and fintech, specializing in strategic growth, digital innovation, and operational excellence across GCC (UAE, KSA), Africa (South Africa), and Europe.

Core Expertise

• Leadership - Senior roles at ABSA (South Africa), ABN Amro (UAE), HSBC (UAE), Al Rajhi Bank (KSA), and Al Hilal Bank (UAE), driving revenue growth, market expansion, and digital transformation.
• Entrepreneurship - Founded and scaled Imali Capital (South Africa), a fintech venture, demonstrating agility in high-growth environments.
• Digital & Operational Excellence - Launched disruptive products, optimised P&Ls, and built customer-centric operating models in regulated markets.

My expertise delivers measurable results across three critical areas:

• Business Transformation - where I led teams at Al Rajhi and Al Hilal Banks to implement successful transformation programmes, achieving $2B asset growth, 13% market share growth, 23% profit increase, and $11.4M cost savings.
• Digital Innovation - having developed a cutting-edge SME lending product at Imali Capital that exceeded growth targets by 25% while boosting digital banking adoption by 16% at Al Rajhi Bank.
• High-Performance Leadership - with a proven track record in senior EXCO positions consistently motivating teams to deliver record-breaking results across multiple international markets.

These accomplishments demonstrate my ability to drive growth, implement change, and lead teams to exceptional outcomes.

Seeking Next Opportunity

Currently based in South Africa, I am exploring senior leadership roles in the UK banking/fintech sector, leveraging my cross-border experience to drive scalable growth and digital transformation.