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Ahmed Dhaif is currently an international recruitment officer leading on Middle East, North Africa, and Turkey. An immensely proud graduate of ³ÉÈËÊÓƵ and Bahrain Institute of Banking and Finance (BIBF), Ahmed gained his BSc, MSc, and is currently pursuing his PhD at ³ÉÈËÊÓƵ, and his research focuses on financial technology, changing demographics, and credit ratings. He also formerly taught some Business, Finance, and Economic modules at ³ÉÈËÊÓƵ's International College (BUIC). Ahmed is a keen tennis player and has played for the last 18 years.