Founder & Chief Executive Officer · Al-Amal Microfinance BankSana’a GMT+3
Sana’a — Yemen · 2026
Mohammed Saleh

Al-Lai

Building the architecture of financial inclusion in Yemen and across the Arab region.

Portrait of Mohammed Saleh Al-LaiSana’a

01 — Profile

Avisionarybankingleaderanddevelopmentfinanceexpert,Mr.Al-LaifoundedAl-AmalMicrofinanceBank—Yemen’sfirstmicrofinancebank—andhasledittobecomearegionalmodelforinnovationandimpact.

His leadership spans the Central Bank of Yemen, the Social Fund for Development, and regional networks such as Sanabel and the Union of Arab Banks, where he has advanced responsible finance, governance and SME development. He continues to champion ESG principles, digital transformation and climate-resilient finance to empower low-income communities and strengthen financial ecosystems across the Arab region.

01

Financial inclusion

Microfinance, agent banking and mobile financial services reaching rural and underserved communities.

02

Governance & regulation

Risk-based supervision, prudential regulation and board leadership in Yemen, Jordan and the Arab region.

03

Sustainable finance

Green banking, E&S risk management and climate-smart lending aligned with international standards.

25+
Years in banking supervision, development finance and leadership
30+
Strategic international partnerships secured
30+
National and international awards, 2009–2025
20
Countries where he has presented the AMB model

A record of firsts

I

Founded Yemen’s first microfinance bank

Al-Amal Microfinance Bank, supervised by the Central Bank of Yemen, 2008.

II

First MFI member of the Union of Arab Banks

Integrating microfinance into the Arab banking system.

III

Yemen’s first international partnerships department

Dedicated to donor and institutional cooperation in the microfinance sector.

IV

Yemen’s first entrepreneurship & youth institution

Al-Amal Foundation (Reyadah), uniting financial and non-financial services.

02 — Career

From the examiner’s desk to the founder’s chair.

2008 – Present

Founder & Chief Executive Officer

Al-Amal Microfinance Bank (AMB) · Yemen

Founded and built the first microfinance bank in Yemen and MENA. Leads strategy, fundraising, governance and the digital transformation roadmap, and has attracted partners including Kiva, Silatech, UNICEF, MEPI, the EU and EAA.

2016 – 2020

Chairman of the Board

Cooperative & Agricultural Credit Bank (CAC Bank) · Yemen

Led the bank’s restructuring and modernisation to restore financial stability and operational efficiency, and directed the development of e-money and fintech services.

2007 – 2008

Deputy Governor, Banking Supervision

Central Bank of Yemen

Coordinated the rollout of risk-based supervision across the Yemeni banking system and led the development of new prudential regulations and capacity-building programmes.

2005 – 2008

Head, Small & Micro Enterprise Development Unit

Social Fund for Development (SFD) · Yemen

Designed the funding and monitoring mechanisms for Yemen’s MFI sector and strengthened its sustainability and outreach alongside international donors.

1998 – 2004

On-Site Banking Examiner

Banking Supervision Sector · Central Bank of Yemen

Examined commercial and specialised banks for soundness, compliance and risk management, assessing capital adequacy and internal controls against Basel guidelines.

03 — Boards & Governance

Stewardship across institutions and borders.

Board and chair roles spanning Yemen, Jordan, Syria, Sudan, Sierra Leone and the wider Arab region.

01National Microfinance Bank, JordanMember of the Board of Directors2023 – Present
02Yemen Banks AssociationMember of the Board of DirectorsCurrent
03Al-Amal Foundation (Reyadah)Member of the Board of Trustees2013 – Present
04CAC Bank, YemenChairman of the Board2016 – 2020
05Sanabel — Arab Microfinance NetworkDeputy Chairman of the Board2013 – 2016
06Yemen Microfinance NetworkFounding Chairman2009 – 2016
07Al-Ebda Microfinance BanksStrategic & technical guidance · Syria, Sudan, Sierra Leone2010 – 2015
08Union of Arab BanksMember Representative — first MFI admittedMember
09DevelopmentAidInstitutional Member for AMBMember
04 — Policy & Sector Building

Writing the rules the sector now runs on.

Microfinance Banks Law

Contributed to drafting and issuance within the Central Bank’s Banking Supervision Sector.

National Microfinance & SME Strategies

Led the formulation of both national strategies as Head of SMED at the Social Fund for Development.

Yemen Microfinance Network

Founded the national network and its 8-year strategy, with national standards for certifying trainers and consultants.

Microfinance in Yemen — Future Vision

Authored a pioneering strategic framework for inclusive finance, in partnership with the public and private sectors.

05 — Sustainable Finance

Positioning AMB as a national leader in climate-smart finance.

An advocate at COP28 (2023) and COP29 (2024) for climate-resilient microfinance and green lending, leading AMB’s transition toward ESG-integrated banking.

2022

Green Finance Initiative

Green banking principles, renewable energy investment and resource efficiency.

2023

Environmental Policy

E&S considerations embedded across all banking operations.

2024

ESRM Guide

E&S risk management and a due-diligence checklist for every project.

2024 –

Green Climate Fund accreditation

Readiness assessment and alignment with international climate finance standards.

2024 – 25

Sustainability & Climate Action Unit

ESG, gender and waste-management policies, with staff training.

06 — Recognition

Digital Bankerof the Year

2024 · The Digital Banker

For outstanding leadership in digital transformation, financial inclusion and sustainable innovation in Yemen’s microfinance sector.

2023 · Regional Network for Social Responsibility
Certified Expert in Social Responsibility
2021 · Arab Network for Social Responsibility
Top 100 Arab Personalities in Social Responsibility
2009 – 2025
30+ national and international awards
07 — Global Voice

Yemen’s experience, on the world’s stages.

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08 — Education

2004
MSc, International Banking & Finance
Liverpool John Moores University, United Kingdom
1996
BSc, Accounting
Sana’a University, Yemen

Executive programmes

International Visitor Leadership Program
U.S. Department of State
2013
Building Inclusive Financial Systems for the Poor
Microfinance Management Institute & CGAP, Cairo
2007
Boulder International Certificate in Microfinance
ILO Training Centre, Turin
2005
Bank Analysis & Performance Evaluation
American Bankers Association & Arab Academy for Banking
2002
Off-Site Banking Surveillance
The World Bank & Central Bank of Yemen
1999
Evaluating Islamic Banking
Central Bank of Iran, Tehran
1998