Mirel Baila | Chief Operating Officer
Al Masraf

Mirel is the acting Chief Operating Officer of Al Masraf Bank, where he leads Operations, Trade Finance, Technology, Digital Transformation, Credit Administration, and Process Excellence. He is responsible for driving the bank's modernization agenda, including digital banking, AI adoption, customer journey transformation, operational resilience, and enterprise technology platforms.

With more than 19 years of international experience across Europe and the Middle East, Mirel has held senior transformation, technology, and operations leadership roles at Al Masraf, Emirates Islamic, Emirates NBD, Fidelity International, JPMorgan Chase, UBS, BNP Paribas, Lloyds Banking Group, and Raiffeisen Bank. His career has focused on helping financial institutions modernize operating models, improve client experiences, scale digital capabilities, adopt AI, and deliver sustainable efficiency.