Welcome to the 5th Edition Credit and Collection Summit Saudi Arabia, 2025, the region's prime platform exhibiting innovation and strategy in credit management, debt, and recovery. In this rapidly evolving industry landscape, this summit taking place on 10th & 11th December , 2025, at the Crowne Plaza Hotel, Riyadh - King Salman Neighbour hood, brings regional and global front-liners to brainstorm the future of finance management, solutions, and sustainable growth.
This summit is the first and only large-scale conference & exhibition bringing together 600+ top lenders, banks, government entities, NBFCs, insurance companies, and other experts from The Kingdom of Saudi Arabia to discuss the latest technology and digital transformation strategies to overcome challenges and empower organizations to be future-ready, strengthening operations, increasing productivity, and improving customer experience in the debt & loan collections, subscriptions & renewals, and credit systems.
Weaving Collections and Recovery into Business Strategy
Maintaining a Positive Customer Experience During Collections
Talk Techs: Digitizing Collections for Faster Debt Recovery
Managing Multichannel Debt Collection Model: Rise of E-Commerce Subscriptions & Renewals
The Importance of "Self-Service" Platforms
Decoding the Scope, Scale, and Challenges of BNPL
Understand Consumer Sentiment and Preferred Channels
Dynamic and results-oriented C-suite Saudi business leader with over 14 years of progressive leadership experience spanning Shared Services, Finance, HR, IT, Procurement, Credit, Collection, and Legal Services. Currently serving as Chief Operating Officer at Dar Al Tamleek, overseeing end-to-end operational functions, driving enterprise-wide efficiency, strengthening risk and governance frameworks, and enabling sustainable growth.
Extensively experienced in engaging with Boards of Directors and Executive Committees, contributing to strategic decision-making, governance oversight, and organizational performance discussions at the highest levels.
Throughout my career, I have led transformational initiatives that redefined operational performance across regulated sectors including financial services, healthcare, and education. I have built high-performing cross-functional teams and delivered measurable business outcomes through robust governance, operational redesign, and digital enablement. Notable achievements include:
• At Dar Al Tamleek, leading mission-critical functions across Credit, Lending, HR, Collection, Procurement, Customer Experience, and Legal to enhance regulatory compliance, customer outcomes, and service delivery.
• At Colleges of Excellence, modernizing Shared Services operations to support the delivery of nationwide vocational and technical training programs.
• At Bupa Arabia, establishing a centralized collection operation managing SAR 19 billion annually and streamlining procurement of SAR 300M+ in CAPEX and OPEX, contributing to enterprise cost efficiency.
• At SNB, architecting and implementing retail collection strategies aligned with national credit bureau systems, improving recovery performance and compliance.
With deep expertise in strategic operations, financial stewardship, and organizational transformation, I bring a forward-thinking leadership approach that delivers long-term value, fosters innovation, and builds institutional excellence.
Ayman is a founding member of D360 Bank, overseeing the Bank’s risk strategy. He was Chief Risk Officer at Emkan Finance and held senior roles at Al Rajhi Bank, Ayman holds a bachelor’s degree in MIS from KFUPM and an MBA from King Saud University, where he graduated top of his class.
As Co-Founder and CEO of ClearGrid, Mohammad Al Zaben is leading the transformation of debt recovery in the region, replacing outdated, confrontational practices with a system that’s automated, compliant, and built on respect. Over the past decade, he has founded and scaled multiple tech ventures across the GCC, building high-growth teams, launching in complex markets, and driving exits. His leadership blends strategic clarity with operational urgency, an approach shaped by years of turning underperforming systems into growth engines. He believes fixing collections isn’t about softer language, it’s about better infrastructure. That mindset drives every layer of ClearGrid’s platform, from AI-powered workflows to communication models that treat borrowers as people, not problems. Under his direction, ClearGrid has gone from stealth to scale, earning lender trust, achieving profitability, and proving that automation and dignity aren’t just compatible, they’re essential.
Seasoned professional in the financial industry with 25 years of experience in the fields of SMEs & corporate banking, retail & digital sales, credit risk, enterprise risk, financial restructuring, credit operations, legal & collection, structured/project finance & syndications, and financial advisory.
Mohammad Al-Khalili is the Co-Founder of ClearGrid, where he is building the region’s first fully automated debt-resolution platform — designed to help lenders recover smarter while preserving trust with borrowers. Under his leadership, ClearGrid now automates more than 95% of resolution workflows, introducing AI-driven voice, data intelligence, and compliance guardrails to one of the most challenging areas in finance. With over a decade of experience scaling startups across gaming, food tech, prop-tech, SaaS, and e-commerce, Mohammad has repeatedly taken ventures from launch to market leadership and through successful exits. His expertise spans growth, product, and go-to-market strategy, with a proven ability to design systems that unlock both scale and efficiency. At ClearGrid, Mohammad applies that operator’s lens to rewire how debt collection works in the GCC — moving it away from pressure and toward precision, automation, and intelligent design. His work is setting a new standard for how financial institutions engage with risk, blending technology, compliance, and dignity in a way the industry hasn’t seen before.
Exceptional Front-runner with 19 years of experience in corporate credit administration, budgets, and compliance with Future Pipe, Bupa insurance, Mondelez (Kraft Food), Nokia Siemens, Hewlett-Packard (HP) and Saad Hospital.
Chairperson and key speaker on the 2nd Annual Kingdom Credit Management & Collections meeting (Riyadh) 15-16 OCT 2018
Ayman Al Wadi Group Executive Chairman of AW HOLDING INT'L, and its Marketplaces in AW UAE, AW Oman, AW KSA, AW Qatar, and AW Cross Border Center in 150+ countries with past 15+ years' experience in the international market. AW Holding INT’L is an innovative organization with a portfolio of industry-leading business with 28+ years of experience, in in Receivable Management Service, Business Advisory & Risk Management, Debt Management, Legal Debt Settlement, Cross Border Services, Credit Risk Advisory, Litigation Funding, Debt Purchasing, and Translation Services and invented its own innovative B2B Debt Settlement Supply Chain.
Results-focused, quality-driven finance professional with 14 years of experience in Credit Management involving control over B2B collections. Expert in providing critical prescriptive financial analysis and foresight to enable effective receivables strategy implementation. Worked with Saudi American Glass which is a Subsidiary of Dubai Investments and currently managing credit for Basic Chemical Industries which has Joint Ventures with HENKEL and HUNTSMAN. I believe in being proactive to foresee potential credit risks and navigate our organization safely through economic turmoil. I am member of ACCA and earned my Masters in Professional Accountancy from University of London.
Dr. Abdulrahman Abukhalid is a Saudi ex-banker with 18 years in 4 major banks in Saudi Arabia; and is a Master Trainer and Practitioner in the fields of Credit Management, Debt Collection and Selling Skills; and is considered as the leader in the Saudi Arabia in his field.
He has real-world practical experience in the fields of Credit Management, Debt Collection, Compliance and Risk Control, Marketing and Sales Management, Training, and 3RD Party Debt Collection with offices in Riyadh and Jeddah.
Dr. Abdulrahman is currently the CEO of The Arabian Giant Group; specialized in Consultancy, Training, and 3RD Party Debt Collection for and on-behalf of his corporate clients – B2B2C: Business-to-business-to-customers.
Dr. Abdulrahman is double majored: a doctorate degree in Marketing from the USA, and in 2023 he completed his bachelor's degree with first honors in Law from Saudi Arabia. And he is the main author of "Happy Customers, Faster Payment", an English book with over 500 pages in Credit management and Debt Collection Skills – soon to be found on Amazon.
Dr. Abdulrahman has received Seven International Awards (2018, 2019, 2020, 2021, 2020, 2021 and 2022) and is recognized as the Top Master Trainer in The Saudi Arabia, specialized in delivering his own training programs, personally designed with best practices (copyrights protected) in Management, Debt Collection Skills, and Selling Skills.
A strategic, innovative, and visionary digital leader experienced in digital banking and digital government with deep knowledge of setting up Digital Strategy, Channels, Open Banking, Open Finance, BaaS, Digital on-boarding, Family Banking, Metaverse, Digital Assets, and Innovation. When organizations are struggling to set and manage the digital transformation strategy and portfolio, I am the one to consult for outstanding results, proven by post-implementation benefits realization.
I have led organizations into success with over 32 years of experience working for IBM, Fujitsu, Siemens, Al Rajhi, Alinma, and Al Bilad Bank, accompanied with track record of formulating and executing digital banking and payments strategy that aligns with the organization vision.
For products management, I have led an end-to-end development of digital banking products, including payment solutions, online banking services, digital wallets, open banking, BaaS, digital liabilities and assets. This has been achieved while ensuring the robustness, security, legality, compliance with regulations of SAMA and PCI DSS, scalability of digital platforms, and integration of new digital solutions with existing banking infrastructure and third-party systems including Elm, Thiqah, Nafath, Nafith, and many other government agencies. To achieve this, I am working closely with IT, marketing, retail, corporate, legal, information security, risk, antifraud, and customer service teams to ensure seamless product launches and the highest user adoption rates.
For the last 20 years, I keep sharing my knowledge and experience with the community in over one hundred events as a public speaker in Innovation, Digital Transformation, Digital Payments, BaaS, Open Banking, Open Finance, Family Banking, Digital Government, and Soft Skills.
Mahdi Alhababi is a seasoned finance professional with over 14 years of specialized experience in Credit Management and B2B Collections across the IMEA region. Currently serving as Credit Control Manager at Henkel Industrial Company, Mahdi leads strategic credit operations for Henkel's Adhesive Technologies division, driving financial resilience and operational excellence across diverse markets.
He began his career at Saudi Amiantit Company as an Accounts Receivable Supervisor, where he built a strong foundation in receivables and financial controls. His journey at Henkel has been marked by progressive leadership, regional impact, and a deep commitment to optimizing credit risk, enhancing cash flow, and fostering trusted client relationships.
Mahdi is known for his analytical rigor, cross-functional collaboration, and ability to navigate complex financial landscapes with precision and integrity. His work supports Henkel's growth ambitions while safeguarding its financial health across industrial sectors.
Ammar spent years working at a $800m VC fund in MENA, STV. As one of the first hires, he led many initiatives beyond core investment and portfolio work including accounting, strategy, compliance, financial reporting, marketing, and HRM. He received his Bachelor's in Mathematics and Philosophy from Yale.
Motasim brings years of product management experience from his early career working in Silicon Valley startups & VCs. Recently, he was a Product Lead at Mozn and built a SaaS AML platform for the financial sector from scratch and led sales and marketing. He received his Bachelors in engineering from Stanford.
Motasim brings years of product management experience from his early career working in Silicon Valley startups & VCs. Recently, he was a Product Lead at Mozn and built a SaaS AML platform for the financial sector from scratch and led sales and marketing. He received his Bachelors in engineering from Stanford.
With over 25 years of expertise in Finance, Credit & Collections across the GCC, Hssein Shohdy is driven by a passion for Strategic Transformation, Risk Management, and Financial Innovation. His mission is to empower businesses with sustainable financial solutions, foster collaboration between key stakeholders, and drive economic resilience in high-value industries. As a passionate executive, he leads with integrity, balancing professional excellence with personal commitments, and continuously learning to create a lasting impact for his organization, his industry, and his community. He strongly believes and lives by the quote: “What we do for ourselves dies with us. What we do for others and the world remains and is immortal.” — Albert Pike.
Faisal Elchybany is the Head of Special Assets Management at Bank AlJazira, with extensive leadership experience in Risk, Credit, and Special Assets Management. He has a proven record in reducing non-performing loans and delivering record-breaking recoveries through innovative restructuring strategies.
Previously, he established the Early Warning Signals Division and headed Credit Administration. Known for driving regulatory compliance and digital transformation, he has contributed significantly to strengthening credit risk frameworks and recovery performance.
Faisal is a postgraduate of the University of Strasbourg in France, specializing in Islamic Finance, and focuses on transforming distressed assets into sustainable financial solutions that enhance profitability and stakeholder confidence.
Mohammed Almoqhim is a Licensed Attorney and Notary Public accredited by the Ministry of Justice, currently serving as the Director of the Legal Department at Al Othaim Holding Company — a leading conglomerate with a diversified portfolio of local and international investments valued at over 20 billion Saudi Riyals.
With extensive experience in managing complex legal operations for joint-stock companies, he has represented clients in over 100 cases across courts within the Kingdom, with a cumulative value approaching one billion Saudi Riyals. Throughout his career, Mohammed has overseen legal matters exceeding five billion Saudi Riyals, demonstrating strategic leadership, legal expertise, and precision in high-value disputes.
Bana AlMohammad is a results-driven professional with extensive experience in operations management, quality assurance, business development, and debt collection within the finance and service sectors. With over a decade of expertise, she currently serves as Operations Manager at Mani International Debt Collection, where she oversees large-scale recovery operations, drives business growth, and ensures strict adherence to industry standards.
Renowned for implementing strategic debt recovery practices that boost efficiency and optimize outcomes, Bana’s leadership combines operational precision with client-focused innovation. She has also held key quality-focused roles, including Quality Manager and Quality Ambassador at SASO, where she spearheaded initiatives to embed ISO 9001 standards and foster a culture of excellence.
A certified trainer and active member of the Saudi Quality Council, Bana has delivered impactful training programs and led continuous improvement initiatives across organizations. Her expertise spans QMS, Six Sigma, strategic planning, and business development — positioning her as a trusted leader capable of bridging operational excellence with sustainable business growth.
Roshan Punnilath is a Digital & Operational Transformation Leader with over 26 years of experience driving excellence across fintech, NBFI, real estate, ERP/CRM, and service industries. He has a proven track record of restructuring non-performing companies, optimizing costs, accelerating revenue, and fully digitizing customer and back-office journeys — all while ensuring strict alignment with SAMA, REGA, and Sharia compliance frameworks.
Throughout his career, Roshan has led strategic transformation at scale, improving business outcomes across collections, customer care, HR, operations, finance, and technology. His leadership has consistently achieved remarkable results, including reducing turnaround time by 80%, boosting customer satisfaction by 30%, enhancing collections by 40%, and increasing revenue through channel digitization and automation.
He has built and led a Center of Excellence, launched AI-enabled fintech products, established offshore tech hubs, and deployed KPI-based governance frameworks. With deep expertise in the Saudi market and operational pain points, Roshan designs and delivers transformation programs that create measurable, sustainable impact.
His core competencies include strategic transformation leadership, fintech product design, operational excellence, revenue growth through digitization, Saudi market localization, BI & analytics, and HR/HRIS transformation.
Faisal brings over 10 years of experience in debt collection. He began his career in 2015 as a Debt Collector and advanced through several leadership roles until reaching his current position as General Manager of Collections. He has overseen major collection projects across various sectors including government, insurance, telecommunications, and real estate, distinguished by implementing operational strategies that enhanced efficiency and reinforced compliance standards. He has completed specialized training in Customer Service Skills, Negotiation & Effective Communication, Cybersecurity, and Communication Skills. Faisal is recognized for his strong leadership capabilities, building high-performing teams, and developing innovative collection strategies that deliver measurable results.
Nadir Betrah is an experienced Finance and Accounts professional with a strong background in the insurance industry. With a solid track record in accounts receivable, credit control, and financial operations, he has demonstrated expertise in strengthening financial processes, optimizing cash flow, and ensuring accurate and compliant reporting.
He holds a degree in Business Administration from the University of New Brunswick, where he built the foundation for his analytical, accounting, and leadership capabilities. Known for his disciplined financial management and attention to detail, Nadir contributes significantly to organizational efficiency and financial stability.
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Exceptional Front-runner with 19 years of experience in corporate credit administration, budgets, and compliance with Future Pipe, Bupa insurance, Mondelez (Kraft Food), Nokia Siemens, Hewlett-Packard (HP) and Saad Hospital.
Chairperson and key speaker on the 2nd Annual Kingdom Credit Management & Collections meeting (Riyadh) 15-16 OCT 2018
Abdullah Ma’adi Masud Al‑Hajri is a dynamic executive leader and architect of strategic growth in debt collection services. Since April 2023, he has served as Chief Executive Officer (CEO) of Mani Company for Financing Institutions Portfolios, where he drives innovation and operational excellence across 29+ creditor clients, overseeing field and legal recovery mechanisms as well as business development initiatives. Abdullah blends strategic vision with hands-on leadership to enhance Mani’s reach across the industry.
Prior to his executive role, Abdullah built a strong track record in finance. He is a co-founder of Mani Global and held the position of Vice President at Mani Debt Collection from 2018 to February 2023. Drawing on his lineage — the entrepreneurial legacy of his father, Ma’adi bin Mas’oud Al‑Hajri, Chairman of Mani Companies — Abdullah is known for aligning financial discipline with scalable growth, compliance, and sustainable impact.
Mr. Asim Shrivastava is a seasoned banker, with over 34 years of expertise spanning Corporate Banking, Trade Finance, Asset Finance, Project and Export Finance, Credit Risk Management, Enterprise Risk Management, and Portfolio Management, across India, Vietnam, UAE, Oman and Canada. He has held senior leadership roles at HSBC in multiple markets, as well as executive positions at First Abu Dhabi Bank (FAB), and Mashreq Bank. Mr. Shrivastava holds a graduate degree from St. Stephen’s College, New Delhi, and an MBA from Mumbai University.
Abdullah is a finance leader specializing in credit risk mitigation, receivables management, and revenue optimization. As Director of Revenue at a major Saudi government authority, he spearheads credit control, collections, and data‑driven strategies to enhance financial sustainability and reduce debt exposure. With a career spanning government, private, and consulting sectors, he has a proven track record of leading teams to achieve measurable cash flow improvements, operational excellence, and system innovations that strengthen financial accountability. His expertise in balancing strategic foresight with tactical execution positions him as a thought leader in transforming credit and collections frameworks.
As Co-Founder and CEO of ClearGrid, Mohammad Al Zaben is leading the transformation of debt recovery in the region, replacing outdated, confrontational practices with a system that’s automated, compliant, and built on respect. Over the past decade, he has founded and scaled multiple tech ventures across the GCC, building high-growth teams, launching in complex markets, and driving exits. His leadership blends strategic clarity with operational urgency, an approach shaped by years of turning underperforming systems into growth engines. He believes fixing collections isn’t about softer language, it’s about better infrastructure. That mindset drives every layer of ClearGrid’s platform, from AI-powered workflows to communication models that treat borrowers as people, not problems. Under his direction, ClearGrid has gone from stealth to scale, earning lender trust, achieving profitability, and proving that automation and dignity aren’t just compatible, they’re essential.
Dr. Andreas Bücker is the Managing Director of Politicomm, specialising in management and political consultancy for federations and associations in their engagement with European and international institutions on legislative and regulatory matters in the financial services and chemical sectors. He holds a PhD from the University of Cambridge and served as a guest professor at the University of Copenhagen in 2006/2007.
In 2013, he was appointed Director General of FENCA (Federation of European National Collection Associations), advising the FENCA Board of Directors and leading the organisation’s advocacy efforts on key legislation at the EU level concerning the credit servicing and purchasing industries. These include the General Data Protection Regulation (GDPR), supervisory frameworks by European and national FSAs, and legislation covering consumer credit, BNPL, mortgages, late payment rules, insolvency, creditworthiness, financial data access, NPLs and securitisation, generative AI, and consumer protection policies.
Before his involvement in the credit services sector, Andreas worked in the petrochemical industry, managing relations and key accounts with major oil companies worldwide. In 2010, he founded Politicomm and has since also been appointed Director General of the EAA, CEO of Deutsche Inkasso Akademie (DIA) Ltd, and Director of European Policies at FECCIA.
Mr. Talal Al Balushi is a distinguished executive with over 19 years of leadership experience spanning the banking, financial services, and industrial sectors. He is currently the Senior Vice President and Head of Stressed Asset Management at Sohar International Bank, where he leads institutional strategies for managing distressed and non-performing assets.
In parallel, Mr. Al Balushi serves as Interim CEO of SV Pittie Sohar Textile Company SAOC, overseeing strategic operations and transformation in the manufacturing sector.
Talal played a pivotal role in the high-profile merger between HSBC Oman and Sohar International Bank, serving as a member of the official Mergers Committee. His contributions were instrumental in risk alignment, asset evaluation, and regulatory coordination during this landmark consolidation in Oman’s banking sector.
A seasoned expert in asset quality management, litigation strategy, and financial restructuring, Talal brings deep knowledge of institutional governance, regulatory compliance, and recovery frameworks. He is recognized for crafting policies that enhance portfolio performance while mitigating credit and operational risk.
As a speaker, Mr. Al Balushi offers valuable insights grounded in real-world leadership—from merger execution and risk transformation to institutional recovery and sustainable financial architecture.
Younis bin Hamad Al Sulaimi has more than 17 years of experience in the banking sector. He possesses leadership skills and constantly strives to achieve excellence. Al Sulaimi is known for delivering turnaround performances in a highly competitive environment as well as possessing thorough knowledge of both conventional and Islamic Banking. Younis Al-Sulaimi is a graduate of the University of Bedfordshire, where he obtained a degree in Business and Marketing. He also holds a Master’s degree in Islamic Finance and Management with honours from Durham University, United Kingdom. Additionally he has obtained leadership accreditation from the prestigious Harvard University. He also holds a number of professional certificates from leading institutions both locally and internationally.
Mohammad Al-Khalili is the Co-Founder of ClearGrid, where he is building the region’s first fully automated debt-resolution platform — designed to help lenders recover smarter while preserving trust with borrowers. Under his leadership, ClearGrid now automates more than 95% of resolution workflows, introducing AI-driven voice, data intelligence, and compliance guardrails to one of the most challenging areas in finance. With over a decade of experience scaling startups across gaming, food tech, prop-tech, SaaS, and e-commerce, Mohammad has repeatedly taken ventures from launch to market leadership and through successful exits. His expertise spans growth, product, and go-to-market strategy, with a proven ability to design systems that unlock both scale and efficiency. At ClearGrid, Mohammad applies that operator’s lens to rewire how debt collection works in the GCC — moving it away from pressure and toward precision, automation, and intelligent design. His work is setting a new standard for how financial institutions engage with risk, blending technology, compliance, and dignity in a way the industry hasn’t seen before.
14 years of experience in top positions including owner of business. Responsibility and motivation from P&L and Budget execution. 7 years of work in global consulting companies: SAS and Experian and as an independent consultant. Participation in international projects with various clients. Off the beaten track solutions for business growth: doubling AR, developing and launching non-standard products, successfully passing audits and regulatory checks, obtaining and improving ratings.
As the Head of Retail Collections at Mashreq Bank, I manage the risk, service, and digital aspects of the retail collections portfolio, with a focus on credit cards and loans. I have over 28 years of experience in consumer and retail banking, and I hold the ACMI certification from the Chartered Managers Institute in the UK.
I have a deep understanding of the provisioning methodology, regulatory requirements, and data warehouse models for the retail banking sector. I also have hands-on experience with the GL management and reporting systems. I have successfully led the collections and recoveries teams at Mashreq Bank and Finance House, achieving improved performance and efficiency. I am also a certified trainer for various consumer banking training programs, and I enjoy sharing my knowledge and skills with others.
Yameen Ghani is currently serving as the Chief Credit Officer at Dubai Islamic Bank, Head Office, Karachi, since January 14, 2025. With over 25 years of comprehensive experience in credit risk management across leading institutions including MCB, National Bank of Pakistan, Faysal Bank, Bank Al-Habib, and JS Bank, he brings deep insight into Corporate, Commercial, Small & Medium Enterprises & Consumer lending in both traditional and underbanked markets. His expertise spans across credit policy, underwriting, and managing local and offshore exposures, including Bahrain. As a key member of governance committees he has been instrumental in fostering a strong risk culture, streamlining credit processes, and guiding business partners with tailored financial solutions aligned to their borrowers' prudent appetite
Thamer Al Duligan is the Head of Credit at American Express Saudi Arabia and a seasoned financial leader with over 20 years of experience in credit risk, collections, and financial operations. He is an expert in reducing non-performing assets, boosting portfolio performance, and leading compliant, high-performing teams.
Ahmed has a proven executive management record and over 8 years of successful experience in Sales, Marketing, Strategic, and Operations Leadership. His expertise lies in leading organizations and revamping company images and performance.
Ahmed is a dynamic, results-oriented leader with a strong track record of performance in turnaround and high-paced organizations. He utilizes keen analysis, insights, and a team approach to drive organizational improvements and implement best practices. With superior interpersonal skills, he is capable of resolving multiple and complex (sales, human resources, legal, finance, operational) issues and motivating staff to peak performance.
Ahmed holds a Bachelor of Science in Communication Knowledge Engineering from The Future University, Sudan (2013, Latin Honors), a Master’s in International Business Administration from the University of Wollongong in Dubai, and a Diploma in Satellite Engineering from India.
Currently, Ahmed oversees a diverse portfolio within Tafaseel Group, including Tafaseel BPO, Tafaseel IT, Salama Healthcare Services, Namaa Agricultural Investments, Rannah, and Technologies.
His leadership has earned him multiple awards, including Gulf CX Leader of the Year 2024 and MENA CEO of the Year 2023 for the Fastest Growing Company.
My role as Executive Vice President at Qualco is defined by a steadfast commitment to innovative credit risk management solutions. With a focus on business analysis and strategy, these efforts have steered the company towards new heights in market leadership.
Previously as Global Business Development Director, I championed strategic partnerships, harnessing our collective expertise to deliver substantial value in the credit risk lifecycle. Our success is a testament to a culture of collaboration and a shared passion for excellence in the field.
A senior banking professional with over 22 years of experience in credit initiation, collections, and SMEs collections teams to reduce NPL applying skip tracing techniques to enhance the collection rates, and improving portfolio quality. Efficiently manages credit processes to ensure speed, quality, and risk mitigation, contributing to sustainable SMEs portfolio growth. Known for leadership, analytical skills, and data-driven decision-making to achieve tangible institutional results.
I am a seasoned Credit Control Expert adept at managing credit departments, setting team KPIs, and devising effective collection strategies. Skilled in evaluating credit applications, analyzing financial data, and optimizing payment terms to ensure alignment with strategic goals and enhance client satisfaction. Specializes in reducing Days Sales Outstanding (DSO) and managing overdue accounts to optimize cash flow. Maintains meticulous financial records, excels in fostering positive client relationships through proactive communication and negotiation, and ensures compliance with legal procedures. Committed to driving organizational success and sustainable growth.
With a robust 18-year tenure in risk management and collections, I currently lead the collections function for international markets at Al-Futtaim Automotive, a vanguard in the global automotive industry. My background is fortified by advanced certifications in leadership and policy design, alongside deep-seated technical and analytical prowess.
At Al-Futtaim, I direct skilled teams across multiple geographies, adeptly managing the recovery of loans and receivables. My leadership is marked by pioneering initiatives that have significantly enhanced operational efficiencies, improved recovery rates, and boosted customer satisfaction. I excel in cultivating collaborative relationships, connecting seamlessly with team members, stakeholders, regulators, and legal professionals to drive forward our strategic objectives.
I am passionate about fostering a culture of resilience, innovation, and excellence within our teams. This commitment not only elevates our day-to-day operations but also propels Al-Futtaim Automotive toward sustained growth and industry leadership.
Ayman Al Wadi is the Group Executive Chairman of the AW HOLDING, an innovative organization with a portfolio of industry-leading entities that span Debt Management, Business Advisory, Risk Management, Legal Services, Investments and Translation services. With years of corporate experience and leadership, Ayman�s vision enabled the organization to stand as a pioneer in the market for the past 10 years with a reputation for achieving real corporate excellence.
In line with his vision, AW HOLDING forged strong affiliations and a formidable global network in order to deliver regional and international reach that guarantees success for its clients and partners beyond geographic limitations.
Prior to establishing AW HOLDING, Ayman worked with the Gulf Finance Corporation wherein he established its Debt Management, Compliance and Legal Affairs department. During his tenure, his valuable contributions went beyond the area of Debt Management, and his involvement stretched across several departments in the organization. On his 9th year with the organization, he became Managing Director and Board member, overseeing the entire scope of activities from local operations to international ventures.
Ayman began his professional journey as one of the establishing members of the Collections Center at Emirates Bank Group in 1996. He occupied the position of Debt Management and Legal Affairs Manager and went on to build an illustrious career marked with profound excellence and a slew of industry accolades. In parallel to his career, he continued to nurture his knowledge in the area of Business Law, acquiring a practical understanding in its numerous disciplines.
Sonali Jindal is the Co-founder of Rezolv and previously the Co-founder & COO of Kissht, one of India’s leading digital lending platforms. With deep expertise in financial services, operations, and analytics, she brings a unique blend of strategic vision and execution excellence. At Rezolv, she is focused on transforming debt collections through AI-driven automation and intelligent workflows. At Kissht, she scaled the business to over $1.5 billion in annual disbursements and led capital raising across equity and debt.
Rajesh Somani is a dynamic and visionary leader with decades of distinguished service in finance, trading, and corporate leadership. Born in 1959 in Rajasthan, he graduated from the University of Rajasthan, Jaipur, earning the prestigious Chartered Accountant designation in 1985 and Company Secretary in 1989. An alumnus of Harvard Business School’s Advanced Management Program (2009, Boston, USA), Rajesh brings global business acumen to every role he undertakes.
His commitment extends beyond corporate success into community and professional leadership — serving as Chairman (2024–25) of ICAI Dubai Chapter, member of the Executive Committee for positioning GIFT City as a global commodity trading hub, trustee of Rajasthan Business and Professional Group (RBPG) UAE, and holding key roles in IBPC Dubai, International Vaish Foundation, and Marwari Yuva Munch. He was also the first NRI Chartered Accountant to serve on ICAI’s Committee of Members in Industry in New Delhi.
Widely recognized for his contributions, Rajesh has received prestigious accolades including the Aditya Birla Group Chairman’s Individual Award for Outstanding Leadership (2008), Asia Pacific Entrepreneurship Award (2018), Member of the Year by ICAI New Delhi (2018), and the Exemplary Services Award from Mr. Kumar Mangalam Birla (2019).
Senior Credit Risk professional with over 25 years of diversified experience in the entire life cycle of credit from credit origination, analysis, approval, documentation, monitoring, and credit risk review. Have worked in the Canadian and UAE banking industry at leadership roles as Head of Corporate Credit, Head of Commercial Credit and EVP- Risk Manager in ADIB. Currently working in Invest Bank as Head of Credit Risk Review managing audit universe of Credit Risk, Market Risk, Liquidity Risk and Enterprise Risk. As a Credit professional possess extensive experience in credit risk underwriting, portfolio management, Corporate governance, project finance and portfolio review.
Led team of professionals, managing corporate & and commercial credit adjudication, credit risk review, documentation, and analytics functions. Solid team player. Excellent communication and interpersonal skills. Proven ability to recruit and maintain talent. Successful team builder and motivator.
Sector expertise includes Commercial Real Estate, Hospitality, Project Finance, Trade Finance, and Agriculture credit. Possess exposure to diversified industries and various lending solutions from margined operating lines to asset-backed lending.
Passionate about knowledge sharing and inspiring team members to achieve their full potential. With my full-time Banking job, I'm also teaching a Credit Risk Management course as a Subject Matter Expert at the University of Toronto, School of Continuing Studies, (part-time). U of T Ranks #1 in Canada and 17th globally, in U.S. News & World Report university rankings.
Certified from the University of Toronto with Credit and Enterprise Risk Management qualifications and MBA from Lahore University of Management Sciences (LUMS) - a premier business school in the region. Completed Banking Diploma from the Institute of Bankers and certification in Islamic Banking from CIMA, UK.
Mr. Ihab Aboulezz is a highly accomplished business leader with a rich educational background and extensive experience in the financial sector. Born in 1967, he embarked on his academic journey at the Faculty of Commerce in Cairo University, where he earned his bachelor's degree in 1989. Recognizing the importance of continuous learning, he pursued a Postgraduate Diploma in Business Administration from the University of Liverpool in 2011.
In 2018, Mr. Aboulezz solidified his expertise by completing a Master's Degree in Business Administration with a specialization in Accounting and Finance from Creek Ford University. His commitment to academic excellence laid a strong foundation for his subsequent achievements in the business world.
Mr. Ihab's professional journey commenced in 1992 when he ventured into the United Arab Emirates (UAE) job market. Over the years, he contributed his skills and knowledge to prestigious institutions such as Emirates NBD (formerly Emirates Bank), HSBC Bank, and Amlak Financial Corporation. His roles in these organizations provided him with valuable insights into the intricacies of the financial industry, shaping his strategic vision for the future.
In 2010, Mr. Ihab established the Green Lines Group of Companies, a groundbreaking venture that operates in the UAE, Egypt, Jordan, Sudan, Lebanon, Morocco and India. The group specializes in providing comprehensive loans collection and rescheduling services. Leveraging partnerships with various banks, Mr. Aboulezz played a pivotal role in the success and expansion of the Green Lines Group.
One of Mr. Aboulezz’ s notable contributions to the industry is the creation of the GLScan system. This innovative platform revolutionized the process of searching and retrieving official notices published in newspapers from 2012 onwards. Covering all seven Emirates of the UAE, GCC Countries and Jordan, GLScan serves as the first and only available database of official notices, encompassing government departments, corporate entities, and the private sector.
Recognizing the imminent implementation of Value Added Tax (VAT) in the UAE in 2018, Mr. Ihab Aboulezz strategically expanded his business portfolio. In 2017, he introduced Green Lines Tax Consultants LLC, assembling a team of chartered accountants, auditors, and VAT professionals. This specialized team, highly qualified and certified, offers tax advice, consulting, reporting, compliance services, and accounting management to individuals and businesses in the UAE.
In summary, Mr. Ihab Aboulezz stands as a visionary entrepreneur and business leader who has left an indelible mark on the financial landscape. His commitment to education, innovation, and business excellence continues to drive the success of the Green Lines Group and its associated ventures.
As the CEO and Business Partner at CIH Investment Holding, I leverage my extensive experience and expertise in finance and investment to drive strategic growth and innovation. With a Doctorate of Business Administration from the University of Maryland and a Doctorate Degree in Global Economic from SBS Swiss Business School, I have a solid foundation in financial management, auditing, and global economic trends. As a Board Member at aafaq Islamic Finance PSC I exercise my leadership skills to help the company grow and achieve its mission and potential goals. Using my knowledge and expertise in the financial markets to help the firm reach the highest possible levels and achieve their objectives. As a Group CEO at Private Department H.E. Sheikh Mohammed Bin Khalid Al Nahyan, where I apply my skills in business strategies, investments management, and financial planning to create value for our stakeholders. My mission is to foster a culture of excellence, collaboration, and continuous learning within our organization, and to contribute to the advancement of the organization. A Founder and President of one of the most successful companies in the industry “Profit Financial Advisory Services” a leading professional group of financial services experts has been named as the top 🔝 financial services provider in many occasions after the company’s leadership and massive success in the financial industry. The company has been recognized as one of the leading financial services providers in the country and has become one of the most influential in the country for many clients in different sectors and industries worldwide. Profit Financial Advisory Services has been established in the UAE and has expanded its business globally via its worldwide business network.
CRO, Retail and SME lending, P2P, Modeling and Analytics
An award winning Best Performer started as a Core Marketing Professional, Licensing Specialist and then a strategic Business Manager and currently working as Director for Strategic Alliance and Solution Sales with approx. 10+ years of experience in a leading ICT System Integrator & Distribution Multinational Company, world’s largest Software OEM and the world’s fastest growing Microsoft LSP. Experienced to setup new Business Strategy and execute successfully by building the right plan and hiring right teams to execute same. Lives the core values of humbleness, being passionate and being customer focused.
Ahmed Zaki is a distinguished legal professional and accredited arbitrator with over 30 years of experience across diverse legal and judiciary roles. Currently leading the legal department at Al Hamra, he has been instrumental in driving strategic growth, bolstering legal protections, and optimising risk management and contract oversight. His adeptness in navigating complex legal landscapes and forging strong relationships with governmental and judicial bodies has played a pivotal role in Al Hamra’s operational excellence and business expansion.
With an extensive background as a judge and public prosecutor in both Egypt and the UAE, Ahmed offers a comprehensive perspective on international legal and commercial issues. He brings a profound understanding of alternative dispute resolution (ADR) mechanisms, providing practical and strategic insights for achieving fair and efficient outcomes. He regularly contributes as a moderator and speaker at leading conferences, promoting collaboration, the exchange of insights, and the sharing of knowledge with fellow legal professionals in the legal community.
His achievements have been widely recognised for his leadership and contributions to the legal community. He was awarded the General Counsel of the Year (Small Team) for 2025 from LexisNexis Middle East and the In-House Counsel of the Year – Infrastructure & Construction 2023 Award from Legal Community MENA. Alongside his team, he received the Real Estate & Construction In-House Legal Team of the Year 2024 Award from Legal Era Middle East. Furthermore, he was featured as one of the Most Influential Legal Leaders in the Middle East for 2025 by Middle East Leaders.
Indika Weerasinghe is a seasoned banking leader with over 26 years of experience across Sri Lanka and the UAE, including 17+ years in senior leadership roles. As Global Head of Credit Administration at Mashreq Bank, he oversees complex post-sanction credit processes across Corporate, Investment, SME, Private, Wholesale, and Retail portfolios. His leadership focuses on AI-driven risk management, digital transformation, LEAN re-engineering, and building resilient teams. Indika is committed to driving strategic credit administration excellence while mentoring the next generation of leaders in the banking industry.
Experienced Collections Team Lead with a demonstrated history of working in the telecommunications industry. Skilled in Microsoft Excel, Customer Service, Microsoft Word, Public Speaking, and Microsoft Office. Strong accounting professional with a Bachelor's degree focused in Mechanical Engineering from Sudan University of Science and Technology.
Erwin was co-founded by four European collection agencies. He is actively involved as President of the International Association of Commercial Collectors (IACC) in the United States, as well as the past President of the Federation of European National Collection Associations (FENCA) in Germany and the European Collectors Association (ECA) in Belgium. Erwin's career spans over three decades in the international debt recovery business, during which he has built a robust network of connections worldwide. His primary focus is on accelerating and enhancing the success of debt recovery processes, a passion that has led to numerous achievements and contributions to the industry. Erwin's academic background includes a degree in international studies, further enriching his understanding of global debt recovery dynamics. Erwin believes in people. He loves transparency, is challenging and sticks to compliance.
Experienced Legal Manager with a demonstrated history of working in the banking industry. Skilled in Corporate, Banking, Financial Contracts, Dispute Resolution, and Commercial Banking. Strong military and protective services professional with a Master of Laws (LL.M.) focused in International Business Law from University of Liverpool.
Bana AlMohammad is a results-driven professional with extensive experience in operations management, quality assurance, business development, and debt collection within the finance and service sectors. With over a decade of expertise, she currently serves as Operations Manager at Mani International Debt Collection, where she oversees large-scale recovery operations, drives business growth, and ensures strict adherence to industry standards.
Renowned for implementing strategic debt recovery practices that boost efficiency and optimize outcomes, Bana’s leadership combines operational precision with client-focused innovation. She has also held key quality-focused roles, including Quality Manager and Quality Ambassador at SASO, where she spearheaded initiatives to embed ISO 9001 standards and foster a culture of excellence.
A certified trainer and active member of the Saudi Quality Council, Bana has delivered impactful training programs and led continuous improvement initiatives across organizations. Her expertise spans QMS, Six Sigma, strategic planning, and business development — positioning her as a trusted leader capable of bridging operational excellence with sustainable business growth.
A well-rounded, business savvy and culturally astute Banking Professional, with 18+ years in the corporate arena and a penchant for providing leadership in Credit risk, Retail Banking, Collections, Customer service, CRM & operational excellence by managing business operations with a focus on top-line & bottom-line performance A growth catalyst in designing strategy, formulating business development plan, partnering and establishing rapport with stakeholders, mitigating risks, bringing operational efficiency, building team’s credibility and leading as well as executing quick-witted tactical/strategic initiatives. His core strengths are team management/ collection & recoveries management with the processing of all operational activities as well process designing for customer retention as well as implementation of different process flows. Key competencies lies in successful execution of the goals, growth, leading large teams , leading cross functional teams, lead from the front, People Management, ability to handle large team across the geography. A customer focused professional with high level of interpersonal and communication skills of customer listening, negotiating & resolved their issues within the limits of my organization and up to customer satisfaction.
With over 25 years of experience in Telecom, Banking, and Insurance with leading multinational companies, Jatinder Reen is a Certified PRINCE2 Practitioner from APMG International UK. He brings 12+ years of expertise in Marketing, Sales, Project Management, Information Security, Team Management, Risk & Compliance Delivery, and Process Audit, Control & Management.
Jatinder has extensive knowledge of domestic and international markets, with exposure to Customer Services, Relationship Management, Sales, Risk Management, Fraud Management, Retention, and Project Management, having led multiple international assignments in Singapore, Hong Kong, and Indonesia.
He is a keen planner with expertise in developing, promoting, and implementing business strategies, ensuring compliance with current regulations in the financial sector. Proficient with modern concepts of integrated sales and service systems, he demonstrates abilities in optimum resource utilization and cost control.
An effective communicator with excellent relationship management skills, Jatinder possesses strong analytical, leadership, decision-making, problem-solving, and organizational abilities. He has hands-on experience in structuring large business deals, maintaining profitability across multiple business entities, liaising with regulatory bodies in India and overseas, and finalizing strategic alliances.
Jatinder has demonstrated a high level of customer service and immediate responsiveness to client needs and issues. He is proficient in leading dedicated teams for successful process operations and has experience in developing procedures and service standards for business excellence. His significant success includes assessing troubled business operations and implementing effective turnaround measures.
Murad Fakhouri is an experienced leader adept at credit risk management and claims operations, currently overseeing claims at Etihad Credit Insurance - the UAE’s federal export credit agency. With over 14 years of experience in the financial and insurance sectors, Murad has extensive expertise in strategic thinking, operational excellence, and client-centric innovation.
Throughout his meritorious career, he has played a pivotal role in transforming claims operations, enhancing client servicing standards, and integrating legal, underwriting, and recovery strategies into streamlined claims frameworks. Murad is also experienced in cross-border trade risk, debt recovery, as well as legal enforcement processes, and he frequently collaborates with international partners and financial institutions.
A passionate advocate for knowledge sharing and industry development, Murad has contributed to various policy development and internal training programs. His practical expertise and strategic foresight make him a valued voice within the realm of credit insurance and sovereign export support.
Since 1993, Hayat Al Sheebani has been deeply engaged in the banking sector, specializing in credit risk and collections. Over the course of her distinguished career, she has successfully navigated multiple economic cycles, regulatory shifts, and technological transformations, consistently ensuring portfolio stability and risk mitigation.
Her expertise spans assessing creditworthiness, implementing effective remedial strategies, and leveraging both traditional credit analysis methods and advanced data analytics for predictive risk modeling. Hayat’s adaptive approach has enabled her to embrace industry innovations and maintain operational excellence in an ever-evolving financial landscape.
With a career that reflects resilience, strategic foresight, and a profound understanding of financial markets, she continues to play an instrumental role in safeguarding the lending portfolios and long-term success of Banque Misr UAE.
Experienced Collections Manager with a demonstrated history of working in the consumer goods industry, real estate, Oil & Gas, Owners association, health care, credit insurance recovery. Skilled in Negotiation, Analytical Skills, Banking, Sales, and Credit Analysis. Strong operations professional with a Bachelor's degree focused in Marketing from Jami'at Al-Yarmouk.
Konark Kaushal is a proactive leader and strategic planner with over 19 years of expertise in collections, recoveries, and risk mitigation. Renowned for driving financial performance, he has successfully led teams to meet and exceed organizational goals through effective planning, operational excellence, and customer-focused strategies.
His professional strengths include devising and implementing robust collection plans, reducing delinquency levels, and ensuring compliance with banking and regulatory policies. Konark excels at streamlining customer service operations, designing innovative systems, and delivering high-value propositions. He is adept at implementing recovery strategies for chronic delinquent accounts, segmenting customer profiles for targeted solutions, and providing first-line customer support.
Detail-oriented, efficient, and highly adaptable, Konark combines interpersonal skills with a strong commitment to quality. His ability to appraise proposals, conduct risk analysis, and achieve collection targets underscores his reputation as a trusted leader in debt collection operations.
Sandrine Sarikey is an accomplished professional with extensive experience of more than 25 years in the credit insurance industry. She is currently serving as the CEO for GCC countries and Egypt based in UAE since 2021.
In this role, she is responsible for the operations, growth, and results of the company as reinsurer management servicer within the GCC geographical scope.
Prior to her current role, Sandrine held several key positions at Coface Headquarter in France notably as Head of Product Development where she designed and managed Coface products, led a strategic program, and was responsible for product governance, including leading the product committee. Sandrine was a delegate member of the credit management committee of the International Credit Insurance and Surety Association (ICISA) for Coface.
Sandrine holds a master from the MBA Institute Business School in Paris, where she majored in accounting and finance.
Zena Brake brings multiple years of experience in the credit insurance and banking industry in the UAE. She joined Allianz Trade in Middle East in 2011 and has held several key positions, including Credit Underwriting Team Leader, Head of Credit Assessment, and most recently, Credit Director. Prior to Allianz Trade, she worked at Noor Bank in Dubai, where she served in various roles across Consumer Banking, Distribution, and Islamic Finance. Zena is a CFA charter holder and an active member of the CFA Society Emirates. She also holds a Master’s degree in Applied Finance and Banking from the University of Wollongong.
With around two decades of experience in the commercial and banking industry, Mostafa Hussein serves as a Senior Legal Counsel providing legal advice on corporate and investment matters including M&A, joint ventures, capital markets, FinTech, and financing transactions, with exposure to various industries.
His core competencies include corporate and investment advisory, litigation and arbitration, commercial law, and legal documentation. He has successfully handled complex and high-value transactions involving multiple jurisdictions and parties. Mostafa drafts, reviews, and negotiates contracts and agreements with partners, regulators, and suppliers, ensuring legal compliance and risk mitigation.
His goal is to contribute to the growth of the organization and its clients by providing unmatched legal services.
Taher Alagha is the Managing Director of Trust Link Financial Broker and Former Acting Chief Risk Officer (CRO) for a leading GCC bank, with over 27 years of experience in credit risk management, debt restructuring, and portfolio recovery across the GCC. He advises corporates, SMEs, and financial institutions on restructuring strategies, banking facility optimization, and turnaround solutions, with a proven track record of managing multi-billion-dollar credit portfolios and delivering sustainable recovery outcomes.
Karan Mehta is a second-time fintech founder and a systems thinker, currently building Rezolv, an AI-powered debt collections SaaS platform. Prior to Rezolv, Karan served as Founder & CTO at Kissht, where he built the entire lending tech stack in-house, scaling real-time infrastructure and leading a 350-member team across engineering, data, and product functions. His work powered mission-critical lending operations for some of India’s top-tier banks and financial institutions. At Rezolv, Karan is focused on designing modular, scalable, and intelligent systems that transform how lenders manage and resolve debt—bringing speed, transparency, and automation to collections infrastructure across emerging markets.
Mr. Rajesh Malghani is a qualified Chartered Accountant from India and holds the Financial Risk Management (FRM) certification from GARP USA. He is currently pursuing ESG Investing from CFA Institute. With more than 25 years of experience in Banks & Financial Institutions, he has a wealth of expertise in Credit & Risk Management and is now transitioning to Sustainable Banking & Finance. His career includes senior roles such as Head of Corporate Credit at Doha Bank, Head of Counterparty Risk at ING Bank, Manager Financial Analysis at United Arab Bank, and Credit Manager at Bank Melli Iran. He is currently the Head of Credit Analysis & Review at National Bank of Umm Al Qaiwain.
4x entrepreneur. CEO @Alohaa Since college, I have been passionate about startups. Whether I was a volunteer to organize an event or an intern for an NGO, my entire career has been one that entrepreneurial values have guided. Time and again, I enjoy overcoming hurdles and exploring new paths. As a 21-year-old university student, I founded my first fintech startup Payfix back in 2012. As a bootstrapped startup, we'd grown from a team with seven employees to generating $1M GMV. I founded ShopTap, an O2O eCommerce startup, in 2014. In less than 2 years, we established a solid merchant base of 6,800 outlets in India, starting from Kanyakumari to Jammu and Kashmir. In 2015, ShopTap got listed as "Top 10 Startups" to look out for by Yourstory. However, by the end of 2016, ShopTap got shutdown (A story to discuss over 10 cups of coffee) We could retain our core team of ShopTap. With persistent efforts of spending hundreds of hours re-visiting the business model, finding product-market fit, partnering with the right stakeholders, we launched ShopTap 2.0 in 2018. ShopTap partnered with NASSCOM to be a procurement partner for Global Entrepreneur Summit, 2017 at Hyderabad, India. This was a life-changing breakthrough for us, and from there on, we went on to onboard global brands like Welspun Group, Deloitte, Salarpuria Sattva, OTIS, Value Labs, ISS. Today, ShopTap is self-sustainable and became a cash bank for us to start my other ventures, Nytro and Coine.ai. Building a brand from the outside may seem effortless, but starting a business at 21 with no resources or funding soon made me realize that early-stage entrepreneurship is anything but transparent. I have been sharing my entrepreneurial experiences to help more young people start, launch, and scale their businesses with all the knowledge I gained over the years. From bankruptcy, we scaled up the product to reach profitability by applying a well-planned financial model and executed a growth strategy. Entrepreneur, I have co-founded four startups across verticals – Fintech, Ecommerce, Automotive Tech. Yourstory, Staruphyderabad, Sakshi media, The Hindu, and other reputed publications have featured me in their articles and other resources. My Josh talks video has garnered over 1 Million views (https://youtu.be/D13NNpFQSq0) If you want to talk more about bootstrapping, sales strategy, leadership development, or especially growth hacking, hit me up on LinkedIn or mail me at mani@alohaa.ai
Sergio Casimiro Hicke is a Transformational Leader, Strategic Growth Architect, and Author of The Transformational Executive (2025). With over 30 years of global executive leadership experience, Sergio has served as President of Alfa Laval for India, the Middle East, and Africa, and held senior leadership roles across Europe and the MENA region. He has overseen global operations in Sales, R&D, Sustainability, Finance, HR, and Corporate Governance, leading multiple M&As and strategic growth initiatives. Today, he serves as a Board Director and major shareholder of ADA Capital Investment Group, a private investment fund with projects in the USA, Italy, and the UAE, primarily in real estate developments. Beyond boardrooms, Sergio is a coach and advisor to senior executives and entrepreneurs worldwide, guiding them in transformational leadership, organizational growth, and conscious business practices. He is a motivational speaker, having delivered talks at COP28 in Dubai, COP25 in Madrid, Dubai Expo 2021, Bocconi University in Milan, and leading corporations. A passionate advocate for sustainability and mindful leadership, Sergio helps individuals and companies unlock their highest potential while creating a meaningful impact on business, people, and the planet.
Dr. Abdulrahman Abukhalid is a Saudi ex-banker with 18 years in 4 major banks in Saudi Arabia; and is a Master Trainer and Practitioner in the fields of Credit Management, Debt Collection and Selling Skills; and is considered as the leader in the Middle East in his field.
He has real-world practical experience in the fields of Credit Management, Debt Collection, Compliance and Risk Control, Marketing and Sales Management, Training, and 3RD Party Debt Collection with offices in Riyadh and Jeddah.
Dr. Abdulrahman is currently the CEO of The Arabian Giant Group; specialized in Consultancy, Training, and 3RD Party Debt Collection for and on-behalf of his corporate clients – B2B2C: Business-to-business-to-customers.
Dr. Abdulrahman is double majored: a doctorate degree in Marketing from the USA, and in 2023 he completed his bachelor’s degree with first honors in Law from Saudi Arabia. And he is the main author of “Happy Customers, Faster Payment”, an English book with over 500 pages in Credit management and Debt Collection Skills – soon to be found on Amazon.
Dr. Abdulrahman has received Seven International Awards (2018, 2019, 2020, 2021, 2020, 2021 and 2022) and is recognized as the Top Master Trainer in The Middle East, specialized in delivering his own training programs, personally designed with best practices (copyrights protected) in Management, Debt Collection Skills, and Selling Skills.
A competent CA professional with more than 14 years of work experience in the field of Risk Management, Operational Risk and Corporate Finance. Currently designated as Head of Credit at Aditya Birla Trading (formally Swiss Singapore) with additional responsibility of CTRM implementation.
Dr. Khaled Al Gazawi is the Chief Executive Officer of Ebdaa Microfinance since April 2014 in Bahrain. In addition to his role, he serves as a board member in several institutions including Ibdaa Microfinance in Lebanon, the National Microfinance Bank of Jordan, the Bank of Partnership and Innovation in Mauritania, Ebdaa Microfinance Company in Palestine, and Ebdaa Microfinance in Sierra Leone. With over 30 years of experience in commercial banking, Dr. Al Gazawi has extensive expertise in both Islamic and traditional microfinance. His career spans greenfield microfinance institutions, downscaling banks into microfinance institutions, and transforming NBFIs into MFIs. Over the past 18 years, he has specialized in rescuing and turning around microfinance institutions that were near bankruptcy, leading them to profitability and sustainability. His contributions extend across the MENA region, Europe, and the United States, boosting financial inclusion and institutional success. Dr. Al Gazawi has also been associated with leading microfinance networks such as the Arab Gulf Program for Development (AGFUND), Aga Khan Agency for Microfinance (AKAM), Jameel-Grameen, and FINCA, among many others. He previously worked with Tamweelcom in Jordan, one of the country’s largest microfinance institutions, where he played a pivotal role in rescuing and transforming it into a world-class profitable institution. Dr. Al Gazawi holds a PhD in International Management, an MBA from Jordan, and a professional degree from the United States.
Mohamed Eid, with over 15 years of experience in business development, has built a career focused on driving sustainable growth and fostering strong partnerships. His expertise lies in creating business strategies, expanding market presence, and leading teams to achieve measurable results. Currently serving as Sr. Team Leader at Mani, he continues to leverage his extensive experience to drive organizational success and long-term value.
Yash Ghaghada has extensive experience in the credit insurance industry in the UAE. He joined Allianz Trade in Middle East in 2017, where he initially managed Commercial Underwriting and now serves as the Head of Claims and Collections. Yash is a qualified ACCA member and holds a Bachelor’s degree in Applied Accounting from Oxford Brookes University. With his expertise, he continues to contribute to strengthening claims and collections operations in the region.
Faisal brings over 10 years of experience in debt collection. He began his career in 2015 as a Debt Collector and advanced through several leadership roles until reaching his current position as General Manager of Collections. He has overseen major collection projects across various sectors including government, insurance, telecommunications, and real estate, distinguished by implementing operational strategies that enhanced efficiency and reinforced compliance standards. He has completed specialized training in Customer Service Skills, Negotiation & Effective Communication, Cybersecurity, and Communication Skills. Faisal is recognized for his strong leadership capabilities, building high-performing teams, and developing innovative collection strategies that deliver measurable results.
Zaina Al Masri is a senior credit and risk executive with over 15 years of experience leading credit risk and control functions in multinational and regional banks within the Middle East. She has successfully established and led credit teams, supported multiple projects, and enhanced the quality, efficiency, and transparency of credit, compliance, and internal control frameworks. Zaina is a Certified Management Accountant (CMA) and holds two Yale University certifications in Negotiation and Financial Markets. She has extensive expertise in credit, corporate and structured finance, managing large and complex portfolios across the region. Recognized for her strong analytical and leadership skills, she is passionate about applying her technical expertise to create value, enable business growth, and foster a dynamic, diverse work environment. Fluent in English and Arabic, Zaina brings global perspective and deep regional experience to her role.
Salem Saleh joined Reem Finance PJSC as the Head of Credit in February 2025. He is an expert in Corporate Credit with over 24 years of experience in credit underwriting, credit management, and business transformation. His career includes key positions at major financial institutions in the Middle East and UAE, where he has been instrumental in developing credit strategies, conducting policy reviews, and establishing due diligence processes. Salem holds a bachelor’s degree in Banking & Finance and has completed specialized training in credit skills development and credit appraisal techniques. With profound knowledge of regulatory frameworks, banking practices, and risk mitigation techniques, he has effectively led corporate credit teams, ensuring robust portfolio management with minimal delinquency rates. His expertise also spans financial analysis, business development, and digital transformation, where he has initiated automation and process optimization projects to boost efficiency. Salem’s leadership and strategic insight have been recognized through his contributions to launching credit models, reorganizing corporate banking, and adopting advanced risk assessment methodologies. Additionally, he has been pivotal in mentoring credit teams, promoting risk-aware cultures, and aligning business strategies with regulatory standards.
Milind Jain leads Marsh’s Credit Specialties Practice for the Middle East & North Africa, including Trade Credit, Political Risk & Structured Credit, and Surety. Milind joined Marsh in 2016 to lead the Trade Credit Practice for MENA, expanding to broader Credit Specialties in 2020.
With over 18 years of experience in Trade Finance and Credit Insurance in India and the UAE, he previously worked with Coface as Head of Banks & Broker Channel and with HSBC India in Transaction Banking.
Khaled Mahdi Al-Khaldi is a distinguished credit recovery and debt collection leader with over 20 years of experience in the Saudi financial and banking industry. He currently serves as the Collection Manager at Mani Company, overseeing debt portfolios for various financing institutions. Khaled leads comprehensive recovery strategies, manages legal and enforcement actions, ensures regulatory compliance, and optimizes operational effectiveness. Throughout his career, he has held prominent roles at SABB, Al Yusr Leasing and Financing, Samba Financial Group, and Saudi Hollandi Bank. He is recognized for his deep legal knowledge in enforcement and bankruptcy cases, leadership in mentoring regional teams, and strategic insight in managing complex disputes, shaping responsible credit practices and operational excellence in Saudi debt recovery.
Motasim brings years of product management experience from his early career working in Silicon Valley startups & VCs. Recently, he was a Product Lead at Mozn and built a SaaS AML platform for the financial sector from scratch and led sales and marketing. He received his Bachelors in engineering from Stanford.
Faiza Nasir is a seasoned executive with over two decades of distinguished leadership within the retail banking landscape in the UAE. Currently serving as the Head of Product (Retail Loans) at the National Bank of Umm Al Qaiwain, she is responsible for steering product management, digital transformation initiatives, and credit risk strategy for the retail loans portfolio. Bringing a wealth of practical, award-winning experience in mortgage lending, her expertise was honed at the forefront of the industry during tenures with First Abu Dhabi Bank (FAB) and Abu Dhabi Islamic Bank (ADIB). Faiza is passionately dedicated to leveraging technology for financial inclusion and fintech innovation, and her commitment to excellence has been acknowledged through numerous industry accolades, including prestigious CEO Awards, Proactiveness Awards, and the FAB Workplace Champion recognition.
As Chief Risk Officer at HALA, Hitesh Masand leads the development and execution of a robust risk management framework that safeguards financial stability while driving sustainable growth. With expertise spanning market risk, operational risk, credit risk, enterprise risk management (ERM), and regulatory compliance, he strategically leverages risk to enable business success. At HALA, Hitesh has pioneered data-driven and technology-enabled credit assessment models to support SME payments and financing, empowering small businesses in Saudi Arabia. He also plays a key role in governance and financial strategy as a member and chair of multiple board committees. Passionate about fintech innovation and responsible finance, Hitesh is committed to fostering a resilient, risk-aware culture that aligns with HALA’s mission of delivering sustainable financial solutions.
Nuwan P. Sumanasekera is a seasoned banking leader with over 25 years of experience across Credit Risk Management, Business Banking, SME Banking, Retail Banking, and Operations in Oman, U.A.E, and Sri Lanka. As Head of Credit & Operations – Najahi Business Banking at Bank Muscat, he drives strategic credit policies, operational excellence, and digital transformation to strengthen MSME growth. Renowned for managing multi-million-dollar credit portfolios with exceptional asset quality, he continues to shape the credit and collections landscape through innovation, sustainability, and risk resilience.
Anand Dev Dhand is a dynamic strategist and innovative business leader with over 23 years of expertise in driving digital transformation across industries including retail, e-commerce, AI, SaaS, smart applications, and tech-driven solutions. He has held leadership roles at Microsoft, Intel, Amazon, Salesforce, and Samsung, where he successfully led the growth of innovative business lines. Currently, as Head of Partnerships and Alliances at LeadSquared, he spearheads strategic partner initiatives across India and the Middle East, building and nurturing alliances that drive growth, innovation, and wider adoption of LeadSquared’s solutions.
Ammar spent years working at a $800m VC fund in MENA, STV. As one of the first hires, he led many initiatives beyond core investment and portfolio work including accounting, strategy, compliance, financial reporting, marketing, and HRM. He received his Bachelor's in Mathematics and Philosophy from Yale.
Motasim brings years of product management experience from his early career working in Silicon Valley startups & VCs. Recently, he was a Product Lead at Mozn and built a SaaS AML platform for the financial sector from scratch and led sales and marketing. He received his Bachelors in engineering from Stanford.
Prateek Gupta is a dynamic and achievement-oriented professional currently serving as Credit Control Manager at Al Tayer Group. With strong business acumen and proven leadership skills, he has a track record of driving corporate objectives while implementing commercial discipline across business operations. His expertise lies in credit control, financial management, and operational excellence, making him a key contributor to sustainable business growth.
Khurram Z. Chishti is the Senior Credit Officer at Habib Bank AG Zurich, with over 20 years of experience across leading global financial institutions. He oversees a portfolio exceeding AED 5 billion and more than 600 commercial clients, driving strategic credit decisions at both board and country levels. His career includes leadership roles at Citibank, Standard Chartered, and major Islamic banks across the UAE, Hong Kong, and Pakistan. Khurram has successfully implemented Basel III and IFRS 9 frameworks, restructured distressed portfolios, and reengineered credit systems to enhance performance. A certified FRM, FMVA, CBCA, SCR, AFM, and executive coach, he is recognized for transforming underperforming teams into high-performing units while serving as a trusted advisor to boards and regulators.
Fahed Fawal is Vice President of Privacy & Cyber Risk Advisory at Lockton MENA, based in Dubai. He leads the firm's practice in the region, helping clients mitigate cyber threats, strengthen security posture, and align risk management with the evolving cyber insurance landscape. Previously, he served as Cyber Risk Advisor at AIG in Paris and Dubai, where he managed cyber insurance technical advisory across France, Belgium, and the GCC/North Africa. Fahed collaborated with CISOs of leading organizations, delivering technical assessments for large insurance programs and advising on ransomware, incident response, and emerging security technologies. His expertise has influenced underwriting strategies and enhanced client cyber resilience. He holds an Engineering Degree in IT Security from Telecom ParisTech and both a Master's and Bachelor's in Computer Science from Saint-Joseph University, Beirut.
Tamas is a distinguished professional who joined Loxon in 2001 after a successful career in banking and macroeconomic modeling. With his extensive expertise, he established Loxon's business consultancy team and spearheaded numerous projects aimed at enhancing IT support for lending and risk management processes of various financial institutions. He played a pivotal role in the development and implementation of Loxon's Collateral Management, Rating/Scoring, Retail and Corporate Lending systems, and Basel II preparation projects throughout the EMEA region. As a result of his contributions, Loxon has emerged as a market leader in lending, collection, and risk management business solutions, providing its state-of-the-art systems and implementation services to clients across 25 countries.
As Head of Sales, Tamas has led Loxon's international expansion and has been serving as CEO since 2012. In his capacity as Chairman, he determines the long- and mid-term strategies of the company. Tamas's remarkable leadership and strategic vision have been instrumental in Loxon's continued growth and success.
Mohamed Al Zamil is a professional banker with more than 17 years of experience in Islamic & conventional Banking, Corporate & Retail Finance, Banking IT & Operations and Project Management. At Reem Finance PJSC, He oversees Operations & IT, CAD, legal & collections, and HR departments.
During his career, He worked at ADIB, UNB and Al Hilal Bank where he participated in many mega projects including 3 system migrations in addition to lunching new products and centralized services.
He completed his BA degree in Management and Information Systems from Sharjah University, UAE. Further to being a Certified Islamic Banker (CIB), he holds a PMP certificate (Project Management Professional) from PMI institute in Pennsylvania, USA
Mai is an experienced CX leader & enthusiast responsible for designing & implementing cross-channel customer engagement strategies, launching relationship deepening programs and improving retention levels who has been at the forefront of helping organizations accelerate their transformation to a “customer obsessed” culture. Her forte lies in driving CX transformational change through human-centric delivery models, innovation and process re-engineering programmes. She is currently the Head of Client Experience at Invest Bank, where she oversees the development & implementation of the bank’s enterprise wide CX strategy & framework across channels. She has also worked with organizations like United Arab Bank, First Abu Dhabi Bank & Arab Bank. She also has a demonstrated history of building and managing highly engaged customer facing teams
Sanket has over 25 years of experience in Consumer Credit Risk primarily in MEA region. Currently he is working as a Credit Risk regional expert in Mastercard Advisors for EEMEA region. In his previous roles he has worked with leading Banks in the region such as ENBD, CBI and Barclays and worked in UAE, Saudi and Egypt markets. Sanket has end of end expertise on key risk pillars of Credit Policy and Portfolio Management, Credit Underwriting and Collections and Recoveries Management
He hold an MBA Degree (Australia) with a 20+ years Banking experience, with 3 leading banks in UAE ADIB, One of the founding team of Noor Islamic bank and Ajman bank.His experience is between Consumer banking and Corporate banking. Mahmoud did Branches Management, Sales Management, Mortgages, Cards, Personal loans, Real estate, recently looking after Global Transaction banking and Escrow accounts All across the UAE.Breaking records is always his most joyful moment.Mahmoud believs in Leadership and people management is the key for success. There is no successful leader without a great team.
A leading lawyer with over 10 years of experience. Nirvana pursued her Bachelor's in Law in the year 2007 from the University of Cairo. Moving forward, she completed a Masters in International Commercial Law in UAE in 2010. She is a registered lawyer and a practicing advocate under the Egyptian Bar Association.Nirvana has a detailed eye and has enabled RAALC to position itself as the best in the UAE’s corporate sector. Before devoting herself to RAALC, Nirvana was fortunate enough to bag experiences from different corporate sectors and major law firms in the UAE. She has represented multinational companies with higher corporate and commercial transactions.Nirvana participated and continues to participate in various volunteer and pro bono activities for the past five years. She is bespeaking with her corporate, commercial, and, most importantly, arbitration realms. She has successfully handled critical cases and conducted negotiation settlements. Her persuasive behavior is notable. Nirvana has developed a clean and clear acumen for legal reasoning and an eye for spotting issues. She has excellent client and communication skills, which make her one of the best lawyers that RAALC has. She is a recurrent guest lecturer and has authored full articles addressing emergent and multifaceted business litigation issues.
Mr. Harish B. Parmar is the founder of City Credit Management LLP and has over 30 years’ experience in developing innovative ideas for diverse financial institutions in the United Kingdom and India. He mentored and led a team in developing an integrated debt management program in India and set up a company called SingleDebt.
Mr. Parmar is always focused on developing a global financial model to overcome individual problems, risk factors, and open access to the Debt Management industry in India. He has tirelessly worked to establish a reputation for debt management in India among a large number of global audiences.
Early in his career, he held leadership positions with a variety of financial institutions, including merchant banks and high street banks. He developed a vision for introducing debt management for the first time in the Indian financial industry.
Mr. Parmar pairs a broad range of financial industry experience with leadership qualities. His greatest strength is his ability to spot opportunities, react to them, and introduce creative techniques to the market. All of the success he has today is the result of diligent work from the roots. He has a blend of technical, operational, and people skills, along with a keen business sense and the ability to boil complex issues down to a manageable level. His style is purpose-driven, people-centric, and outcome-oriented.
Mr. Parmar, a man with modern vision and a strong decision maker. He has excelled in his unique skills in expanding his innovative business ideas to the public and financial sectors. He always took his steps forward in achieving success with an optimistic attitude that gave him the ability to communicate the invention of financial strategy to a large audience.
A seasoned banker of 25 years in the area of Credit Risk Management and a Subject Matter Expert in Credit & Collections (Certified Financial Collections Professional (CFCP). He has worked in multiple financial institutions (Citibank, and ABN Amro Network) around the globe during his professional career. For the last 15 years, he has been providing his consulting and training expertise to global consulting companies in particular to Collections Transformation, Automation, and Training. For the last 11 years, he has worked with International Finance Corporation (IFC) – A World Bank Group as a Short Term Consultant (STC) – Credit Cycle Specialist. During this time, worked as a Subject Matter Expert with other consulting companies like PwC, and Bank T&D UK and served as a faculty member for BankerLab® and International Center for Professional Collectors (ICPC) Canada.
What makes him unique in his subject matter expertise is the capability of mastering both the Art and Science of Collections. He has been instrumental in strategizing and collaborating in the implementation of several Automated Collection Systems including CGI’s CACS, FICO’s Debt Manager, and CWX in various banks and he continues to excel in this field.
He is currently associated with EXUS Software Limited and provides advisory and consulting expertise in improving the collections business model for the existing customer and new projects.
Sanjaya is the Founder of XGen Group, an Australian-based fintech solutions provider specializing in Collections & Recoveries Systems, Loan Origination Systems, and Cross Sell & Up Sell Management Systems. Under Sanjaya's leadership, XGen has evolved from a startup to a highly respected company with a global footprint, earning the trust of globally renowned clients in the banking, finance, and telecommunications industries.
Before starting XGen, Sanjaya worked for General Electric (GE) in more than 13 countries across Europe, the Americas, Asia, Australia, and the Pacific. During his time at GE, Sanjaya held country-based and global leadership roles in finance, strategy, risk management, six sigma process improvement, and business transformation, managing portfolios in excess of billions of dollars.
Sanjaya's extensive experience allows him to facilitate large-scale cross-border business transformation initiatives to drive growth, productivity, and profitability. His expertise lies in turning around loss-making portfolios by focusing on operational, process, policy, and risk protocols associated with customer onboarding, account management, and servicing.
Israa is a dynamic results-oriented and strategic individual delivering results with an innovative approach and perseveres with reaching the best possible outcome for her clients.Israa is a native English, Arabic, Danish, and Kurdish speaker who possesses an Intermediate knowledge of German and Persian.Israa has achieved top-tier legal degrees from Select UK Institutions. She completed her Bachelor of Laws from Middlesex University in London with Honors (LLB Honors). She then pursued and completed a Master of Laws in International Law from the University of Nottingham (LLM in International Law) and a Master of Laws in Islamic Law from SOAS University of London (LLM in Islamic Law).Israa is a JAMS Certified Mediator who began her legal career as an Associate Mediator at the Arab Mediation Center in Cairo. She had the privilege of learning from the best mediators during her shadowing experience in JAMS office in New York. She developed a keen interest in International Dispute Resolution and moved on to initiate the work on some of the first structures inside the Iraqi Government.Israa has rich experience in drafting and vetting legal documents from various legal fields such as Sports Law, Corporate Law, Contract Law, and Property Law.Israa is an IICRA Certified Islamic Arbitrator and Expert who works closely with financial institutions on Islamic Financial Products. In addition to her work on the Corporate Team in RAALC Law Firm, Israa is also responsible for arbitration proceedings conducted in the English language. Israa is interested in legal research and has previously written for the Arab Mediation Journal. Her fields of legal research include, but are not limited to, Alternative Dispute Resolution and Islamic Law Reform.
Seasoned professional banker with over 20 years of experience in the fields of corporate banking, corporate credit risk, enterprise risk management, financial restructuring, credit operations & administration, structured/project finance & syndications, financial advisory, & operations of none-banking financial services company.
Darryl D’Souza is a Credit and Collections professional currently with aafaq Islamic Finance as Senior Vice President - Credit. He has over 30 years experience in the Banking and Financial Services, Consulting and Telecom sector. Prior to joining aafaq Islamic Finance he held senior roles within Credit, Collections and Operations at some of the leading multinational financial institutions in India, the Middle East, Eastern Europe and North America at The Royal Bank of Scotland, J P Morgan Chase, Citibank, HSBC, ANZ Grindlays Bank and Standard Chartered Bank. He has also worked with du telecom in the UAE and Sutherland Global Services in Canada. He is the author of a book ‘The Art of Quality Debt Collections: Exploring the human side of Collections’ published by AuthorHouse.
Kaushik is the Wealth Management COO for Africa & Middle East with previous roles as an Operations CFO, Venture Capital Finance Lead as well as Chief Product Owner. In his most recent role, he is a champion for digital disruption across client journeys and has transformed the client experience for Wealth Management across the region. Kaushik has been working with Standard Chartered since 2016 where he first joined as an International Graduate in Corporate Banking, after graduating as a computer engineer from the National University of Singapore. He is a Chartered Management Accountant and a double degree MBA graduate from Kelley School of Business (Indiana) and Manchester Business School.
A well-rounded, business savvy and culturally astute Banking Professional, with 18+ years in the corporate arena and a penchant for providing leadership in Credit risk, Retail Banking, Collections, Customer service, CRM & operational excellence by managing business operations with a focus on top-line & bottom-line performance A growth catalyst in designing strategy, formulating business development plan, partnering and establishing rapport with stakeholders, mitigating risks, bringing operational efficiency, building team’s credibility and leading as well as executing quick-witted tactical/strategic initiatives. His core strengths are team management/ collection & recoveries management with the processing of all operational activities as well process designing for customer retention as well as implementation of different process flows. Key competencies lies in successful execution of the goals, growth, leading large teams , leading cross functional teams, lead from the front, People Management, ability to handle large team across the geography. A customer focused professional with high level of interpersonal and communication skills of customer listening, negotiating & resolved their issues within the limits of my organization and up to customer satisfaction.
Certified Risk Professional with over 25 years of experience in banking sector in UAE, KSA & Qatar. Extensive experience in the Collection and Recovery arena at a leadership role with teaching and mentoring many employees. Strategic leadership in achieving business objectives including remediation of critical customers. A focal point of business development with a healthy portfolio under stressed market conditions
Mr. Wassim is a Senior Executive with a proven track record in retail credit scoring, collection analysis, profile analysis and assessment. Dynamic career growth reflecting excellent sales, influencing, negotiating, communication and general client management skills. Extensive experience in consumer lending, collection and credit card industry. Successfully spearheaded and sponsored retail risk and collection projects in all stages. He made sure that all were compliant and upholding to central bank guidelines and regulations. Introduced new product features on retail products that helped in increasing client and customer base.
Hassan Aiman is a professional with an expertise of bringing value through utilizing extensive customer service experience and excellent communication and business skills. Hassan's current position in Al Hamra Group of Companies is at the collections department as Assistant Vice president within the group business in Real estate development , Property management , owners association , facilities management , malls and retail , constructions , hospitality and hotels , marina , golf clubs & super vision of other business related to the group.His aim is to increase paid invoices and amounts by a huge number through guiding, monitoring, suggesting, and providing creative ideas and methods to his team and to the organization . Hassan was honored many times due to his achievements and talent in communications, personal skills, convincing and analyzing traits.
As the company's CEO, Ricardo Campos brings to ITSCREDIT a profound understanding of conventional banking to the digital/technology side. He excels at both strategy and execution. Ricardo is a digital transformation expert with a track record of success in the development of the digital transformation at Bank Millennium in Poland, founder of the most popular mobile payment system in Poland (BLIK), CEO of a startup e-commerce digital platform called "Goodie," and CEO of ActivoBank, the benchmark in digital banking in Portugal. With an MBA from NYU - Stern, LSE, and HEC Paris, Ricardo is supporting ITSCREDIT in becoming a recognized global brand.
Frederik Bisbjerg (born 1973 in Denmark) is a highly respected international business developer with expertise in digital transformation and business model innovation. His proven and numerous successes with worldwide business transformations come from his belief in enabling and empowering people to execute the change strategies. He is a highly sought-after senior advisor in the fields of digital transformation, digital-first corporate strategies, and C-level consulting, focusing on “the art of the possible” to secure business and digital transformation success. He holds the position as Head of MENA and Digital Transformation specialist with the Digital Insurer, the world’s largest knowledge base on digital insurance with more than 35,000 active members. With The Digital Insurer, he is part of the World’s first mini-MBA in Digital Insurance, where he lecturers on the topics of Strategy and Transformation, Big Data, and Best Practice Tech Architectures.
He has been Senior Vice President, Digital Transformation & Innovation, at Daman National Health Insurance company, one of the largest insurers in the GCC countries, where he managed the company’s digital transformation initiatives, building a ‘digital-first’ flexible and resilient insurance company.
He worked as Executive Vice President for Qatar Insurance Group (QIC), the largest composite insurer in the MENA region and one of the largest insurers in Asia. Based in the Middle East since 2013, he’s a sought-after keynote speaker and expert for local and international business innovation and development, working with companies seeking to leverage digital opportunities. Before joining QIC, Frederik was running the worldwide operations of SOS International, then the World’s largest travel claims and emergency assistance provider. With SOS International, he established companies in China and expanded SOS International’s Asian operations, securing the company a consistent two-digit growth. Frederik has strong business acumen and is recognized for his ability to build businesses and create new, often previously unseen, alliances between business partners for mutual benefits; a skill refined and honed through many years of working internationally for a top-tier management consulting firm.
Brijesh Chedayan, is a CollectionTech entrepreneur based in Dubai with 25+ years of expertise in emerging technologies. He is an authority in Legal and Collection Technology consultancy with great knowledge of technology trends and its effective application in collection domain. He has practical experience in delivering corporate wide Legal and Collection-Tech solutions across the Middle East, Africa and Indian Sub continents region.He is an author of numerous articles on Collection Technology. He is the CEO of Dubai based LegalTech firm, Beveron Technologies and author of ‘Building Smart Lawyer Office’, first of its kind book on LegalTech in the region. His second book ‘Smart Debt Collection’ provides comprehensive guidelines for collection professionals. Brijesh is also serving as the Industrial Advisory Board member of University of Bolton, UAE Academic Centre.He has acted as Customer Project Manager with Hewlett Packard Enterprise Service division and played key role in the delivery of large E-Government and Banking solutions projects in Middle East, prior to his jump in CollectionTech entrepreneurship. He has worked with Computer Sciences Corporation as Software Developer in his early career. He is located in Business Bay area in Dubai, United Arab Emirates and reachable on his email : brijesh.c@beveron.com
Jai Mulani is a visionary CEO who transformed IBT from a Startup into a Thriving Global Business and built IBT from 2 Employees to workforce of 800 Employees Globally.With over 20 years of experience in the BPO Industry, Jai's Leadership and Strategic Thinking have Propelled IBT to Unprecedented Success.By Prioritizing Innovation and Customer Satisfaction, Jai Spearheaded his team's Development of Revolutionary Technologies and Services that have Revolutionized the BPO Industry.He is a Passionate for Innovation and Growth, and is committed to driving positive change in the Business World.
Inclusive, mission-driven, and transformative Senior Finance Executive with 17+ years of experience in executing innovative corporate restructuring strategies and envisioning game-changing turnaround of multi-division organizations, fueling holistic and integrated change across business operations for diverse industry verticals. Experience includes defining, building & establishing global credit & collections SOPs as well as implementing internal controls, ensuring on-time collections while optimizing the organization’s cash flow.Well-versed in all the facets of Credit & Collections Management, Cashflow Forecasting, Risk Management, Regulatory Compliance, and Process Automation. Recognized as a visionary strategist and tactician with high proficiency in devising and administering sound operational and credit management procedures, and forging strategic partnerships, resulting in enhanced profitability and sustainable business growth. Charismatic and Inspirational Leader with a democratic leadership style that generates trust, loyalty, and respect.Working with Choitrams from past 3 yrs handling GCC credit operations.
Abdullah Ma’adi Masud Al‑Hajri is a dynamic executive leader and architect of strategic growth in debt collection services. Since April 2023, he has served as Chief Executive Officer (CEO) of Mani Company for Financing Institutions Portfolios, where he drives innovation and operational excellence across 29+ creditor clients, overseeing field and legal recovery mechanisms as well as business development initiatives. Abdullah blends strategic vision with hands-on leadership to enhance Mani’s reach across the industry.
Prior to his executive role, Abdullah built a strong track record in finance. He is a co-founder of Mani Global and held the position of Vice President at Mani Debt Collection from 2018 to February 2023. Drawing on his lineage — the entrepreneurial legacy of his father, Ma’adi bin Mas’oud Al‑Hajri, Chairman of Mani Companies — Abdullah is known for aligning financial discipline with scalable growth, compliance, and sustainable impact.
Mr. Asim Shrivastava is a seasoned banker, with over 34 years of expertise spanning Corporate Banking, Trade Finance, Asset Finance, Project and Export Finance, Credit Risk Management, Enterprise Risk Management, and Portfolio Management, across India, Vietnam, UAE, Oman and Canada. He has held senior leadership roles at HSBC in multiple markets, as well as executive positions at First Abu Dhabi Bank (FAB), and Mashreq Bank. Mr. Shrivastava holds a graduate degree from St. Stephen’s College, New Delhi, and an MBA from Mumbai University.
Abdullah is a finance leader specializing in credit risk mitigation, receivables management, and revenue optimization. As Director of Revenue at a major Saudi government authority, he spearheads credit control, collections, and data‑driven strategies to enhance financial sustainability and reduce debt exposure. With a career spanning government, private, and consulting sectors, he has a proven track record of leading teams to achieve measurable cash flow improvements, operational excellence, and system innovations that strengthen financial accountability. His expertise in balancing strategic foresight with tactical execution positions him as a thought leader in transforming credit and collections frameworks.
As Co-Founder and CEO of ClearGrid, Mohammad Al Zaben is leading the transformation of debt recovery in the region, replacing outdated, confrontational practices with a system that’s automated, compliant, and built on respect. Over the past decade, he has founded and scaled multiple tech ventures across the GCC, building high-growth teams, launching in complex markets, and driving exits. His leadership blends strategic clarity with operational urgency, an approach shaped by years of turning underperforming systems into growth engines. He believes fixing collections isn’t about softer language, it’s about better infrastructure. That mindset drives every layer of ClearGrid’s platform, from AI-powered workflows to communication models that treat borrowers as people, not problems. Under his direction, ClearGrid has gone from stealth to scale, earning lender trust, achieving profitability, and proving that automation and dignity aren’t just compatible, they’re essential.
Dr. Andreas Bücker is the Managing Director of Politicomm, specialising in management and political consultancy for federations and associations in their engagement with European and international institutions on legislative and regulatory matters in the financial services and chemical sectors. He holds a PhD from the University of Cambridge and served as a guest professor at the University of Copenhagen in 2006/2007.
In 2013, he was appointed Director General of FENCA (Federation of European National Collection Associations), advising the FENCA Board of Directors and leading the organisation’s advocacy efforts on key legislation at the EU level concerning the credit servicing and purchasing industries. These include the General Data Protection Regulation (GDPR), supervisory frameworks by European and national FSAs, and legislation covering consumer credit, BNPL, mortgages, late payment rules, insolvency, creditworthiness, financial data access, NPLs and securitisation, generative AI, and consumer protection policies.
Before his involvement in the credit services sector, Andreas worked in the petrochemical industry, managing relations and key accounts with major oil companies worldwide. In 2010, he founded Politicomm and has since also been appointed Director General of the EAA, CEO of Deutsche Inkasso Akademie (DIA) Ltd, and Director of European Policies at FECCIA.
Mr. Talal Al Balushi is a distinguished executive with over 19 years of leadership experience spanning the banking, financial services, and industrial sectors. He is currently the Senior Vice President and Head of Stressed Asset Management at Sohar International Bank, where he leads institutional strategies for managing distressed and non-performing assets.
In parallel, Mr. Al Balushi serves as Interim CEO of SV Pittie Sohar Textile Company SAOC, overseeing strategic operations and transformation in the manufacturing sector.
Talal played a pivotal role in the high-profile merger between HSBC Oman and Sohar International Bank, serving as a member of the official Mergers Committee. His contributions were instrumental in risk alignment, asset evaluation, and regulatory coordination during this landmark consolidation in Oman’s banking sector.
A seasoned expert in asset quality management, litigation strategy, and financial restructuring, Talal brings deep knowledge of institutional governance, regulatory compliance, and recovery frameworks. He is recognized for crafting policies that enhance portfolio performance while mitigating credit and operational risk.
As a speaker, Mr. Al Balushi offers valuable insights grounded in real-world leadership—from merger execution and risk transformation to institutional recovery and sustainable financial architecture.
Younis bin Hamad Al Sulaimi has more than 17 years of experience in the banking sector. He possesses leadership skills and constantly strives to achieve excellence. Al Sulaimi is known for delivering turnaround performances in a highly competitive environment as well as possessing thorough knowledge of both conventional and Islamic Banking. Younis Al-Sulaimi is a graduate of the University of Bedfordshire, where he obtained a degree in Business and Marketing. He also holds a Master’s degree in Islamic Finance and Management with honours from Durham University, United Kingdom. Additionally he has obtained leadership accreditation from the prestigious Harvard University. He also holds a number of professional certificates from leading institutions both locally and internationally.
Mohammad Al-Khalili is the Co-Founder of ClearGrid, where he is building the region’s first fully automated debt-resolution platform — designed to help lenders recover smarter while preserving trust with borrowers. Under his leadership, ClearGrid now automates more than 95% of resolution workflows, introducing AI-driven voice, data intelligence, and compliance guardrails to one of the most challenging areas in finance. With over a decade of experience scaling startups across gaming, food tech, prop-tech, SaaS, and e-commerce, Mohammad has repeatedly taken ventures from launch to market leadership and through successful exits. His expertise spans growth, product, and go-to-market strategy, with a proven ability to design systems that unlock both scale and efficiency. At ClearGrid, Mohammad applies that operator’s lens to rewire how debt collection works in the GCC — moving it away from pressure and toward precision, automation, and intelligent design. His work is setting a new standard for how financial institutions engage with risk, blending technology, compliance, and dignity in a way the industry hasn’t seen before.
14 years of experience in top positions including owner of business. Responsibility and motivation from P&L and Budget execution. 7 years of work in global consulting companies: SAS and Experian and as an independent consultant. Participation in international projects with various clients. Off the beaten track solutions for business growth: doubling AR, developing and launching non-standard products, successfully passing audits and regulatory checks, obtaining and improving ratings.
As the Head of Retail Collections at Mashreq Bank, I manage the risk, service, and digital aspects of the retail collections portfolio, with a focus on credit cards and loans. I have over 28 years of experience in consumer and retail banking, and I hold the ACMI certification from the Chartered Managers Institute in the UK.
I have a deep understanding of the provisioning methodology, regulatory requirements, and data warehouse models for the retail banking sector. I also have hands-on experience with the GL management and reporting systems. I have successfully led the collections and recoveries teams at Mashreq Bank and Finance House, achieving improved performance and efficiency. I am also a certified trainer for various consumer banking training programs, and I enjoy sharing my knowledge and skills with others.
Yameen Ghani is currently serving as the Chief Credit Officer at Dubai Islamic Bank, Head Office, Karachi, since January 14, 2025. With over 25 years of comprehensive experience in credit risk management across leading institutions including MCB, National Bank of Pakistan, Faysal Bank, Bank Al-Habib, and JS Bank, he brings deep insight into Corporate, Commercial, Small & Medium Enterprises & Consumer lending in both traditional and underbanked markets. His expertise spans across credit policy, underwriting, and managing local and offshore exposures, including Bahrain. As a key member of governance committees he has been instrumental in fostering a strong risk culture, streamlining credit processes, and guiding business partners with tailored financial solutions aligned to their borrowers' prudent appetite
Thamer Al Duligan is the Head of Credit at American Express Saudi Arabia and a seasoned financial leader with over 20 years of experience in credit risk, collections, and financial operations. He is an expert in reducing non-performing assets, boosting portfolio performance, and leading compliant, high-performing teams.
Ahmed has a proven executive management record and over 8 years of successful experience in Sales, Marketing, Strategic, and Operations Leadership. His expertise lies in leading organizations and revamping company images and performance.
Ahmed is a dynamic, results-oriented leader with a strong track record of performance in turnaround and high-paced organizations. He utilizes keen analysis, insights, and a team approach to drive organizational improvements and implement best practices. With superior interpersonal skills, he is capable of resolving multiple and complex (sales, human resources, legal, finance, operational) issues and motivating staff to peak performance.
Ahmed holds a Bachelor of Science in Communication Knowledge Engineering from The Future University, Sudan (2013, Latin Honors), a Master’s in International Business Administration from the University of Wollongong in Dubai, and a Diploma in Satellite Engineering from India.
Currently, Ahmed oversees a diverse portfolio within Tafaseel Group, including Tafaseel BPO, Tafaseel IT, Salama Healthcare Services, Namaa Agricultural Investments, Rannah, and Technologies.
His leadership has earned him multiple awards, including Gulf CX Leader of the Year 2024 and MENA CEO of the Year 2023 for the Fastest Growing Company.
My role as Executive Vice President at Qualco is defined by a steadfast commitment to innovative credit risk management solutions. With a focus on business analysis and strategy, these efforts have steered the company towards new heights in market leadership.
Previously as Global Business Development Director, I championed strategic partnerships, harnessing our collective expertise to deliver substantial value in the credit risk lifecycle. Our success is a testament to a culture of collaboration and a shared passion for excellence in the field.
A senior banking professional with over 22 years of experience in credit initiation, collections, and SMEs collections teams to reduce NPL applying skip tracing techniques to enhance the collection rates, and improving portfolio quality. Efficiently manages credit processes to ensure speed, quality, and risk mitigation, contributing to sustainable SMEs portfolio growth. Known for leadership, analytical skills, and data-driven decision-making to achieve tangible institutional results.
I am a seasoned Credit Control Expert adept at managing credit departments, setting team KPIs, and devising effective collection strategies. Skilled in evaluating credit applications, analyzing financial data, and optimizing payment terms to ensure alignment with strategic goals and enhance client satisfaction. Specializes in reducing Days Sales Outstanding (DSO) and managing overdue accounts to optimize cash flow. Maintains meticulous financial records, excels in fostering positive client relationships through proactive communication and negotiation, and ensures compliance with legal procedures. Committed to driving organizational success and sustainable growth.
With a robust 18-year tenure in risk management and collections, I currently lead the collections function for international markets at Al-Futtaim Automotive, a vanguard in the global automotive industry. My background is fortified by advanced certifications in leadership and policy design, alongside deep-seated technical and analytical prowess.
At Al-Futtaim, I direct skilled teams across multiple geographies, adeptly managing the recovery of loans and receivables. My leadership is marked by pioneering initiatives that have significantly enhanced operational efficiencies, improved recovery rates, and boosted customer satisfaction. I excel in cultivating collaborative relationships, connecting seamlessly with team members, stakeholders, regulators, and legal professionals to drive forward our strategic objectives.
I am passionate about fostering a culture of resilience, innovation, and excellence within our teams. This commitment not only elevates our day-to-day operations but also propels Al-Futtaim Automotive toward sustained growth and industry leadership.
Ayman Al Wadi is the Group Executive Chairman of the AW HOLDING, an innovative organization with a portfolio of industry-leading entities that span Debt Management, Business Advisory, Risk Management, Legal Services, Investments and Translation services. With years of corporate experience and leadership, Ayman�s vision enabled the organization to stand as a pioneer in the market for the past 10 years with a reputation for achieving real corporate excellence.
In line with his vision, AW HOLDING forged strong affiliations and a formidable global network in order to deliver regional and international reach that guarantees success for its clients and partners beyond geographic limitations.
Prior to establishing AW HOLDING, Ayman worked with the Gulf Finance Corporation wherein he established its Debt Management, Compliance and Legal Affairs department. During his tenure, his valuable contributions went beyond the area of Debt Management, and his involvement stretched across several departments in the organization. On his 9th year with the organization, he became Managing Director and Board member, overseeing the entire scope of activities from local operations to international ventures.
Ayman began his professional journey as one of the establishing members of the Collections Center at Emirates Bank Group in 1996. He occupied the position of Debt Management and Legal Affairs Manager and went on to build an illustrious career marked with profound excellence and a slew of industry accolades. In parallel to his career, he continued to nurture his knowledge in the area of Business Law, acquiring a practical understanding in its numerous disciplines.
Sonali Jindal is the Co-founder of Rezolv and previously the Co-founder & COO of Kissht, one of India’s leading digital lending platforms. With deep expertise in financial services, operations, and analytics, she brings a unique blend of strategic vision and execution excellence. At Rezolv, she is focused on transforming debt collections through AI-driven automation and intelligent workflows. At Kissht, she scaled the business to over $1.5 billion in annual disbursements and led capital raising across equity and debt.
Rajesh Somani is a dynamic and visionary leader with decades of distinguished service in finance, trading, and corporate leadership. Born in 1959 in Rajasthan, he graduated from the University of Rajasthan, Jaipur, earning the prestigious Chartered Accountant designation in 1985 and Company Secretary in 1989. An alumnus of Harvard Business School’s Advanced Management Program (2009, Boston, USA), Rajesh brings global business acumen to every role he undertakes.
His commitment extends beyond corporate success into community and professional leadership — serving as Chairman (2024–25) of ICAI Dubai Chapter, member of the Executive Committee for positioning GIFT City as a global commodity trading hub, trustee of Rajasthan Business and Professional Group (RBPG) UAE, and holding key roles in IBPC Dubai, International Vaish Foundation, and Marwari Yuva Munch. He was also the first NRI Chartered Accountant to serve on ICAI’s Committee of Members in Industry in New Delhi.
Widely recognized for his contributions, Rajesh has received prestigious accolades including the Aditya Birla Group Chairman’s Individual Award for Outstanding Leadership (2008), Asia Pacific Entrepreneurship Award (2018), Member of the Year by ICAI New Delhi (2018), and the Exemplary Services Award from Mr. Kumar Mangalam Birla (2019).
Senior Credit Risk professional with over 25 years of diversified experience in the entire life cycle of credit from credit origination, analysis, approval, documentation, monitoring, and credit risk review. Have worked in the Canadian and UAE banking industry at leadership roles as Head of Corporate Credit, Head of Commercial Credit and EVP- Risk Manager in ADIB. Currently working in Invest Bank as Head of Credit Risk Review managing audit universe of Credit Risk, Market Risk, Liquidity Risk and Enterprise Risk. As a Credit professional possess extensive experience in credit risk underwriting, portfolio management, Corporate governance, project finance and portfolio review.
Led team of professionals, managing corporate & and commercial credit adjudication, credit risk review, documentation, and analytics functions. Solid team player. Excellent communication and interpersonal skills. Proven ability to recruit and maintain talent. Successful team builder and motivator.
Sector expertise includes Commercial Real Estate, Hospitality, Project Finance, Trade Finance, and Agriculture credit. Possess exposure to diversified industries and various lending solutions from margined operating lines to asset-backed lending.
Passionate about knowledge sharing and inspiring team members to achieve their full potential. With my full-time Banking job, I'm also teaching a Credit Risk Management course as a Subject Matter Expert at the University of Toronto, School of Continuing Studies, (part-time). U of T Ranks #1 in Canada and 17th globally, in U.S. News & World Report university rankings.
Certified from the University of Toronto with Credit and Enterprise Risk Management qualifications and MBA from Lahore University of Management Sciences (LUMS) - a premier business school in the region. Completed Banking Diploma from the Institute of Bankers and certification in Islamic Banking from CIMA, UK.
Mr. Ihab Aboulezz is a highly accomplished business leader with a rich educational background and extensive experience in the financial sector. Born in 1967, he embarked on his academic journey at the Faculty of Commerce in Cairo University, where he earned his bachelor's degree in 1989. Recognizing the importance of continuous learning, he pursued a Postgraduate Diploma in Business Administration from the University of Liverpool in 2011.
In 2018, Mr. Aboulezz solidified his expertise by completing a Master's Degree in Business Administration with a specialization in Accounting and Finance from Creek Ford University. His commitment to academic excellence laid a strong foundation for his subsequent achievements in the business world.
Mr. Ihab's professional journey commenced in 1992 when he ventured into the United Arab Emirates (UAE) job market. Over the years, he contributed his skills and knowledge to prestigious institutions such as Emirates NBD (formerly Emirates Bank), HSBC Bank, and Amlak Financial Corporation. His roles in these organizations provided him with valuable insights into the intricacies of the financial industry, shaping his strategic vision for the future.
In 2010, Mr. Ihab established the Green Lines Group of Companies, a groundbreaking venture that operates in the UAE, Egypt, Jordan, Sudan, Lebanon, Morocco and India. The group specializes in providing comprehensive loans collection and rescheduling services. Leveraging partnerships with various banks, Mr. Aboulezz played a pivotal role in the success and expansion of the Green Lines Group.
One of Mr. Aboulezz’ s notable contributions to the industry is the creation of the GLScan system. This innovative platform revolutionized the process of searching and retrieving official notices published in newspapers from 2012 onwards. Covering all seven Emirates of the UAE, GCC Countries and Jordan, GLScan serves as the first and only available database of official notices, encompassing government departments, corporate entities, and the private sector.
Recognizing the imminent implementation of Value Added Tax (VAT) in the UAE in 2018, Mr. Ihab Aboulezz strategically expanded his business portfolio. In 2017, he introduced Green Lines Tax Consultants LLC, assembling a team of chartered accountants, auditors, and VAT professionals. This specialized team, highly qualified and certified, offers tax advice, consulting, reporting, compliance services, and accounting management to individuals and businesses in the UAE.
In summary, Mr. Ihab Aboulezz stands as a visionary entrepreneur and business leader who has left an indelible mark on the financial landscape. His commitment to education, innovation, and business excellence continues to drive the success of the Green Lines Group and its associated ventures.
As the CEO and Business Partner at CIH Investment Holding, I leverage my extensive experience and expertise in finance and investment to drive strategic growth and innovation. With a Doctorate of Business Administration from the University of Maryland and a Doctorate Degree in Global Economic from SBS Swiss Business School, I have a solid foundation in financial management, auditing, and global economic trends. As a Board Member at aafaq Islamic Finance PSC I exercise my leadership skills to help the company grow and achieve its mission and potential goals. Using my knowledge and expertise in the financial markets to help the firm reach the highest possible levels and achieve their objectives. As a Group CEO at Private Department H.E. Sheikh Mohammed Bin Khalid Al Nahyan, where I apply my skills in business strategies, investments management, and financial planning to create value for our stakeholders. My mission is to foster a culture of excellence, collaboration, and continuous learning within our organization, and to contribute to the advancement of the organization. A Founder and President of one of the most successful companies in the industry “Profit Financial Advisory Services” a leading professional group of financial services experts has been named as the top 🔝 financial services provider in many occasions after the company’s leadership and massive success in the financial industry. The company has been recognized as one of the leading financial services providers in the country and has become one of the most influential in the country for many clients in different sectors and industries worldwide. Profit Financial Advisory Services has been established in the UAE and has expanded its business globally via its worldwide business network.
CRO, Retail and SME lending, P2P, Modeling and Analytics
An award winning Best Performer started as a Core Marketing Professional, Licensing Specialist and then a strategic Business Manager and currently working as Director for Strategic Alliance and Solution Sales with approx. 10+ years of experience in a leading ICT System Integrator & Distribution Multinational Company, world’s largest Software OEM and the world’s fastest growing Microsoft LSP. Experienced to setup new Business Strategy and execute successfully by building the right plan and hiring right teams to execute same. Lives the core values of humbleness, being passionate and being customer focused.
Ahmed Zaki is a distinguished legal professional and accredited arbitrator with over 30 years of experience across diverse legal and judiciary roles. Currently leading the legal department at Al Hamra, he has been instrumental in driving strategic growth, bolstering legal protections, and optimising risk management and contract oversight. His adeptness in navigating complex legal landscapes and forging strong relationships with governmental and judicial bodies has played a pivotal role in Al Hamra’s operational excellence and business expansion.
With an extensive background as a judge and public prosecutor in both Egypt and the UAE, Ahmed offers a comprehensive perspective on international legal and commercial issues. He brings a profound understanding of alternative dispute resolution (ADR) mechanisms, providing practical and strategic insights for achieving fair and efficient outcomes. He regularly contributes as a moderator and speaker at leading conferences, promoting collaboration, the exchange of insights, and the sharing of knowledge with fellow legal professionals in the legal community.
His achievements have been widely recognised for his leadership and contributions to the legal community. He was awarded the General Counsel of the Year (Small Team) for 2025 from LexisNexis Middle East and the In-House Counsel of the Year – Infrastructure & Construction 2023 Award from Legal Community MENA. Alongside his team, he received the Real Estate & Construction In-House Legal Team of the Year 2024 Award from Legal Era Middle East. Furthermore, he was featured as one of the Most Influential Legal Leaders in the Middle East for 2025 by Middle East Leaders.
Indika Weerasinghe is a seasoned banking leader with over 26 years of experience across Sri Lanka and the UAE, including 17+ years in senior leadership roles. As Global Head of Credit Administration at Mashreq Bank, he oversees complex post-sanction credit processes across Corporate, Investment, SME, Private, Wholesale, and Retail portfolios. His leadership focuses on AI-driven risk management, digital transformation, LEAN re-engineering, and building resilient teams. Indika is committed to driving strategic credit administration excellence while mentoring the next generation of leaders in the banking industry.
Experienced Collections Team Lead with a demonstrated history of working in the telecommunications industry. Skilled in Microsoft Excel, Customer Service, Microsoft Word, Public Speaking, and Microsoft Office. Strong accounting professional with a Bachelor's degree focused in Mechanical Engineering from Sudan University of Science and Technology.
Erwin was co-founded by four European collection agencies. He is actively involved as President of the International Association of Commercial Collectors (IACC) in the United States, as well as the past President of the Federation of European National Collection Associations (FENCA) in Germany and the European Collectors Association (ECA) in Belgium. Erwin's career spans over three decades in the international debt recovery business, during which he has built a robust network of connections worldwide. His primary focus is on accelerating and enhancing the success of debt recovery processes, a passion that has led to numerous achievements and contributions to the industry. Erwin's academic background includes a degree in international studies, further enriching his understanding of global debt recovery dynamics. Erwin believes in people. He loves transparency, is challenging and sticks to compliance.
Experienced Legal Manager with a demonstrated history of working in the banking industry. Skilled in Corporate, Banking, Financial Contracts, Dispute Resolution, and Commercial Banking. Strong military and protective services professional with a Master of Laws (LL.M.) focused in International Business Law from University of Liverpool.
Bana AlMohammad is a results-driven professional with extensive experience in operations management, quality assurance, business development, and debt collection within the finance and service sectors. With over a decade of expertise, she currently serves as Operations Manager at Mani International Debt Collection, where she oversees large-scale recovery operations, drives business growth, and ensures strict adherence to industry standards.
Renowned for implementing strategic debt recovery practices that boost efficiency and optimize outcomes, Bana’s leadership combines operational precision with client-focused innovation. She has also held key quality-focused roles, including Quality Manager and Quality Ambassador at SASO, where she spearheaded initiatives to embed ISO 9001 standards and foster a culture of excellence.
A certified trainer and active member of the Saudi Quality Council, Bana has delivered impactful training programs and led continuous improvement initiatives across organizations. Her expertise spans QMS, Six Sigma, strategic planning, and business development — positioning her as a trusted leader capable of bridging operational excellence with sustainable business growth.
A well-rounded, business savvy and culturally astute Banking Professional, with 18+ years in the corporate arena and a penchant for providing leadership in Credit risk, Retail Banking, Collections, Customer service, CRM & operational excellence by managing business operations with a focus on top-line & bottom-line performance A growth catalyst in designing strategy, formulating business development plan, partnering and establishing rapport with stakeholders, mitigating risks, bringing operational efficiency, building team’s credibility and leading as well as executing quick-witted tactical/strategic initiatives. His core strengths are team management/ collection & recoveries management with the processing of all operational activities as well process designing for customer retention as well as implementation of different process flows. Key competencies lies in successful execution of the goals, growth, leading large teams , leading cross functional teams, lead from the front, People Management, ability to handle large team across the geography. A customer focused professional with high level of interpersonal and communication skills of customer listening, negotiating & resolved their issues within the limits of my organization and up to customer satisfaction.
With over 25 years of experience in Telecom, Banking, and Insurance with leading multinational companies, Jatinder Reen is a Certified PRINCE2 Practitioner from APMG International UK. He brings 12+ years of expertise in Marketing, Sales, Project Management, Information Security, Team Management, Risk & Compliance Delivery, and Process Audit, Control & Management.
Jatinder has extensive knowledge of domestic and international markets, with exposure to Customer Services, Relationship Management, Sales, Risk Management, Fraud Management, Retention, and Project Management, having led multiple international assignments in Singapore, Hong Kong, and Indonesia.
He is a keen planner with expertise in developing, promoting, and implementing business strategies, ensuring compliance with current regulations in the financial sector. Proficient with modern concepts of integrated sales and service systems, he demonstrates abilities in optimum resource utilization and cost control.
An effective communicator with excellent relationship management skills, Jatinder possesses strong analytical, leadership, decision-making, problem-solving, and organizational abilities. He has hands-on experience in structuring large business deals, maintaining profitability across multiple business entities, liaising with regulatory bodies in India and overseas, and finalizing strategic alliances.
Jatinder has demonstrated a high level of customer service and immediate responsiveness to client needs and issues. He is proficient in leading dedicated teams for successful process operations and has experience in developing procedures and service standards for business excellence. His significant success includes assessing troubled business operations and implementing effective turnaround measures.
Murad Fakhouri is an experienced leader adept at credit risk management and claims operations, currently overseeing claims at Etihad Credit Insurance - the UAE’s federal export credit agency. With over 14 years of experience in the financial and insurance sectors, Murad has extensive expertise in strategic thinking, operational excellence, and client-centric innovation.
Throughout his meritorious career, he has played a pivotal role in transforming claims operations, enhancing client servicing standards, and integrating legal, underwriting, and recovery strategies into streamlined claims frameworks. Murad is also experienced in cross-border trade risk, debt recovery, as well as legal enforcement processes, and he frequently collaborates with international partners and financial institutions.
A passionate advocate for knowledge sharing and industry development, Murad has contributed to various policy development and internal training programs. His practical expertise and strategic foresight make him a valued voice within the realm of credit insurance and sovereign export support.
Since 1993, Hayat Al Sheebani has been deeply engaged in the banking sector, specializing in credit risk and collections. Over the course of her distinguished career, she has successfully navigated multiple economic cycles, regulatory shifts, and technological transformations, consistently ensuring portfolio stability and risk mitigation.
Her expertise spans assessing creditworthiness, implementing effective remedial strategies, and leveraging both traditional credit analysis methods and advanced data analytics for predictive risk modeling. Hayat’s adaptive approach has enabled her to embrace industry innovations and maintain operational excellence in an ever-evolving financial landscape.
With a career that reflects resilience, strategic foresight, and a profound understanding of financial markets, she continues to play an instrumental role in safeguarding the lending portfolios and long-term success of Banque Misr UAE.
Experienced Collections Manager with a demonstrated history of working in the consumer goods industry, real estate, Oil & Gas, Owners association, health care, credit insurance recovery. Skilled in Negotiation, Analytical Skills, Banking, Sales, and Credit Analysis. Strong operations professional with a Bachelor's degree focused in Marketing from Jami'at Al-Yarmouk.
Konark Kaushal is a proactive leader and strategic planner with over 19 years of expertise in collections, recoveries, and risk mitigation. Renowned for driving financial performance, he has successfully led teams to meet and exceed organizational goals through effective planning, operational excellence, and customer-focused strategies.
His professional strengths include devising and implementing robust collection plans, reducing delinquency levels, and ensuring compliance with banking and regulatory policies. Konark excels at streamlining customer service operations, designing innovative systems, and delivering high-value propositions. He is adept at implementing recovery strategies for chronic delinquent accounts, segmenting customer profiles for targeted solutions, and providing first-line customer support.
Detail-oriented, efficient, and highly adaptable, Konark combines interpersonal skills with a strong commitment to quality. His ability to appraise proposals, conduct risk analysis, and achieve collection targets underscores his reputation as a trusted leader in debt collection operations.
Sandrine Sarikey is an accomplished professional with extensive experience of more than 25 years in the credit insurance industry. She is currently serving as the CEO for GCC countries and Egypt based in UAE since 2021.
In this role, she is responsible for the operations, growth, and results of the company as reinsurer management servicer within the GCC geographical scope.
Prior to her current role, Sandrine held several key positions at Coface Headquarter in France notably as Head of Product Development where she designed and managed Coface products, led a strategic program, and was responsible for product governance, including leading the product committee. Sandrine was a delegate member of the credit management committee of the International Credit Insurance and Surety Association (ICISA) for Coface.
Sandrine holds a master from the MBA Institute Business School in Paris, where she majored in accounting and finance.
Zena Brake brings multiple years of experience in the credit insurance and banking industry in the UAE. She joined Allianz Trade in Middle East in 2011 and has held several key positions, including Credit Underwriting Team Leader, Head of Credit Assessment, and most recently, Credit Director. Prior to Allianz Trade, she worked at Noor Bank in Dubai, where she served in various roles across Consumer Banking, Distribution, and Islamic Finance. Zena is a CFA charter holder and an active member of the CFA Society Emirates. She also holds a Master’s degree in Applied Finance and Banking from the University of Wollongong.
With around two decades of experience in the commercial and banking industry, Mostafa Hussein serves as a Senior Legal Counsel providing legal advice on corporate and investment matters including M&A, joint ventures, capital markets, FinTech, and financing transactions, with exposure to various industries.
His core competencies include corporate and investment advisory, litigation and arbitration, commercial law, and legal documentation. He has successfully handled complex and high-value transactions involving multiple jurisdictions and parties. Mostafa drafts, reviews, and negotiates contracts and agreements with partners, regulators, and suppliers, ensuring legal compliance and risk mitigation.
His goal is to contribute to the growth of the organization and its clients by providing unmatched legal services.
Taher Alagha is the Managing Director of Trust Link Financial Broker and Former Acting Chief Risk Officer (CRO) for a leading GCC bank, with over 27 years of experience in credit risk management, debt restructuring, and portfolio recovery across the GCC. He advises corporates, SMEs, and financial institutions on restructuring strategies, banking facility optimization, and turnaround solutions, with a proven track record of managing multi-billion-dollar credit portfolios and delivering sustainable recovery outcomes.
Karan Mehta is a second-time fintech founder and a systems thinker, currently building Rezolv, an AI-powered debt collections SaaS platform. Prior to Rezolv, Karan served as Founder & CTO at Kissht, where he built the entire lending tech stack in-house, scaling real-time infrastructure and leading a 350-member team across engineering, data, and product functions. His work powered mission-critical lending operations for some of India’s top-tier banks and financial institutions. At Rezolv, Karan is focused on designing modular, scalable, and intelligent systems that transform how lenders manage and resolve debt—bringing speed, transparency, and automation to collections infrastructure across emerging markets.
Mr. Rajesh Malghani is a qualified Chartered Accountant from India and holds the Financial Risk Management (FRM) certification from GARP USA. He is currently pursuing ESG Investing from CFA Institute. With more than 25 years of experience in Banks & Financial Institutions, he has a wealth of expertise in Credit & Risk Management and is now transitioning to Sustainable Banking & Finance. His career includes senior roles such as Head of Corporate Credit at Doha Bank, Head of Counterparty Risk at ING Bank, Manager Financial Analysis at United Arab Bank, and Credit Manager at Bank Melli Iran. He is currently the Head of Credit Analysis & Review at National Bank of Umm Al Qaiwain.
4x entrepreneur. CEO @Alohaa Since college, I have been passionate about startups. Whether I was a volunteer to organize an event or an intern for an NGO, my entire career has been one that entrepreneurial values have guided. Time and again, I enjoy overcoming hurdles and exploring new paths. As a 21-year-old university student, I founded my first fintech startup Payfix back in 2012. As a bootstrapped startup, we'd grown from a team with seven employees to generating $1M GMV. I founded ShopTap, an O2O eCommerce startup, in 2014. In less than 2 years, we established a solid merchant base of 6,800 outlets in India, starting from Kanyakumari to Jammu and Kashmir. In 2015, ShopTap got listed as "Top 10 Startups" to look out for by Yourstory. However, by the end of 2016, ShopTap got shutdown (A story to discuss over 10 cups of coffee) We could retain our core team of ShopTap. With persistent efforts of spending hundreds of hours re-visiting the business model, finding product-market fit, partnering with the right stakeholders, we launched ShopTap 2.0 in 2018. ShopTap partnered with NASSCOM to be a procurement partner for Global Entrepreneur Summit, 2017 at Hyderabad, India. This was a life-changing breakthrough for us, and from there on, we went on to onboard global brands like Welspun Group, Deloitte, Salarpuria Sattva, OTIS, Value Labs, ISS. Today, ShopTap is self-sustainable and became a cash bank for us to start my other ventures, Nytro and Coine.ai. Building a brand from the outside may seem effortless, but starting a business at 21 with no resources or funding soon made me realize that early-stage entrepreneurship is anything but transparent. I have been sharing my entrepreneurial experiences to help more young people start, launch, and scale their businesses with all the knowledge I gained over the years. From bankruptcy, we scaled up the product to reach profitability by applying a well-planned financial model and executed a growth strategy. Entrepreneur, I have co-founded four startups across verticals – Fintech, Ecommerce, Automotive Tech. Yourstory, Staruphyderabad, Sakshi media, The Hindu, and other reputed publications have featured me in their articles and other resources. My Josh talks video has garnered over 1 Million views (https://youtu.be/D13NNpFQSq0) If you want to talk more about bootstrapping, sales strategy, leadership development, or especially growth hacking, hit me up on LinkedIn or mail me at mani@alohaa.ai
Sergio Casimiro Hicke is a Transformational Leader, Strategic Growth Architect, and Author of The Transformational Executive (2025). With over 30 years of global executive leadership experience, Sergio has served as President of Alfa Laval for India, the Middle East, and Africa, and held senior leadership roles across Europe and the MENA region. He has overseen global operations in Sales, R&D, Sustainability, Finance, HR, and Corporate Governance, leading multiple M&As and strategic growth initiatives. Today, he serves as a Board Director and major shareholder of ADA Capital Investment Group, a private investment fund with projects in the USA, Italy, and the UAE, primarily in real estate developments. Beyond boardrooms, Sergio is a coach and advisor to senior executives and entrepreneurs worldwide, guiding them in transformational leadership, organizational growth, and conscious business practices. He is a motivational speaker, having delivered talks at COP28 in Dubai, COP25 in Madrid, Dubai Expo 2021, Bocconi University in Milan, and leading corporations. A passionate advocate for sustainability and mindful leadership, Sergio helps individuals and companies unlock their highest potential while creating a meaningful impact on business, people, and the planet.
Dr. Abdulrahman Abukhalid is a Saudi ex-banker with 18 years in 4 major banks in Saudi Arabia; and is a Master Trainer and Practitioner in the fields of Credit Management, Debt Collection and Selling Skills; and is considered as the leader in the Middle East in his field.
He has real-world practical experience in the fields of Credit Management, Debt Collection, Compliance and Risk Control, Marketing and Sales Management, Training, and 3RD Party Debt Collection with offices in Riyadh and Jeddah.
Dr. Abdulrahman is currently the CEO of The Arabian Giant Group; specialized in Consultancy, Training, and 3RD Party Debt Collection for and on-behalf of his corporate clients – B2B2C: Business-to-business-to-customers.
Dr. Abdulrahman is double majored: a doctorate degree in Marketing from the USA, and in 2023 he completed his bachelor’s degree with first honors in Law from Saudi Arabia. And he is the main author of “Happy Customers, Faster Payment”, an English book with over 500 pages in Credit management and Debt Collection Skills – soon to be found on Amazon.
Dr. Abdulrahman has received Seven International Awards (2018, 2019, 2020, 2021, 2020, 2021 and 2022) and is recognized as the Top Master Trainer in The Middle East, specialized in delivering his own training programs, personally designed with best practices (copyrights protected) in Management, Debt Collection Skills, and Selling Skills.
A competent CA professional with more than 14 years of work experience in the field of Risk Management, Operational Risk and Corporate Finance. Currently designated as Head of Credit at Aditya Birla Trading (formally Swiss Singapore) with additional responsibility of CTRM implementation.
Dr. Khaled Al Gazawi is the Chief Executive Officer of Ebdaa Microfinance since April 2014 in Bahrain. In addition to his role, he serves as a board member in several institutions including Ibdaa Microfinance in Lebanon, the National Microfinance Bank of Jordan, the Bank of Partnership and Innovation in Mauritania, Ebdaa Microfinance Company in Palestine, and Ebdaa Microfinance in Sierra Leone. With over 30 years of experience in commercial banking, Dr. Al Gazawi has extensive expertise in both Islamic and traditional microfinance. His career spans greenfield microfinance institutions, downscaling banks into microfinance institutions, and transforming NBFIs into MFIs. Over the past 18 years, he has specialized in rescuing and turning around microfinance institutions that were near bankruptcy, leading them to profitability and sustainability. His contributions extend across the MENA region, Europe, and the United States, boosting financial inclusion and institutional success. Dr. Al Gazawi has also been associated with leading microfinance networks such as the Arab Gulf Program for Development (AGFUND), Aga Khan Agency for Microfinance (AKAM), Jameel-Grameen, and FINCA, among many others. He previously worked with Tamweelcom in Jordan, one of the country’s largest microfinance institutions, where he played a pivotal role in rescuing and transforming it into a world-class profitable institution. Dr. Al Gazawi holds a PhD in International Management, an MBA from Jordan, and a professional degree from the United States.
Mohamed Eid, with over 15 years of experience in business development, has built a career focused on driving sustainable growth and fostering strong partnerships. His expertise lies in creating business strategies, expanding market presence, and leading teams to achieve measurable results. Currently serving as Sr. Team Leader at Mani, he continues to leverage his extensive experience to drive organizational success and long-term value.
Yash Ghaghada has extensive experience in the credit insurance industry in the UAE. He joined Allianz Trade in Middle East in 2017, where he initially managed Commercial Underwriting and now serves as the Head of Claims and Collections. Yash is a qualified ACCA member and holds a Bachelor’s degree in Applied Accounting from Oxford Brookes University. With his expertise, he continues to contribute to strengthening claims and collections operations in the region.
Faisal brings over 10 years of experience in debt collection. He began his career in 2015 as a Debt Collector and advanced through several leadership roles until reaching his current position as General Manager of Collections. He has overseen major collection projects across various sectors including government, insurance, telecommunications, and real estate, distinguished by implementing operational strategies that enhanced efficiency and reinforced compliance standards. He has completed specialized training in Customer Service Skills, Negotiation & Effective Communication, Cybersecurity, and Communication Skills. Faisal is recognized for his strong leadership capabilities, building high-performing teams, and developing innovative collection strategies that deliver measurable results.
Zaina Al Masri is a senior credit and risk executive with over 15 years of experience leading credit risk and control functions in multinational and regional banks within the Middle East. She has successfully established and led credit teams, supported multiple projects, and enhanced the quality, efficiency, and transparency of credit, compliance, and internal control frameworks. Zaina is a Certified Management Accountant (CMA) and holds two Yale University certifications in Negotiation and Financial Markets. She has extensive expertise in credit, corporate and structured finance, managing large and complex portfolios across the region. Recognized for her strong analytical and leadership skills, she is passionate about applying her technical expertise to create value, enable business growth, and foster a dynamic, diverse work environment. Fluent in English and Arabic, Zaina brings global perspective and deep regional experience to her role.
Salem Saleh joined Reem Finance PJSC as the Head of Credit in February 2025. He is an expert in Corporate Credit with over 24 years of experience in credit underwriting, credit management, and business transformation. His career includes key positions at major financial institutions in the Middle East and UAE, where he has been instrumental in developing credit strategies, conducting policy reviews, and establishing due diligence processes. Salem holds a bachelor’s degree in Banking & Finance and has completed specialized training in credit skills development and credit appraisal techniques. With profound knowledge of regulatory frameworks, banking practices, and risk mitigation techniques, he has effectively led corporate credit teams, ensuring robust portfolio management with minimal delinquency rates. His expertise also spans financial analysis, business development, and digital transformation, where he has initiated automation and process optimization projects to boost efficiency. Salem’s leadership and strategic insight have been recognized through his contributions to launching credit models, reorganizing corporate banking, and adopting advanced risk assessment methodologies. Additionally, he has been pivotal in mentoring credit teams, promoting risk-aware cultures, and aligning business strategies with regulatory standards.
Milind Jain leads Marsh’s Credit Specialties Practice for the Middle East & North Africa, including Trade Credit, Political Risk & Structured Credit, and Surety. Milind joined Marsh in 2016 to lead the Trade Credit Practice for MENA, expanding to broader Credit Specialties in 2020.
With over 18 years of experience in Trade Finance and Credit Insurance in India and the UAE, he previously worked with Coface as Head of Banks & Broker Channel and with HSBC India in Transaction Banking.
Khaled Mahdi Al-Khaldi is a distinguished credit recovery and debt collection leader with over 20 years of experience in the Saudi financial and banking industry. He currently serves as the Collection Manager at Mani Company, overseeing debt portfolios for various financing institutions. Khaled leads comprehensive recovery strategies, manages legal and enforcement actions, ensures regulatory compliance, and optimizes operational effectiveness. Throughout his career, he has held prominent roles at SABB, Al Yusr Leasing and Financing, Samba Financial Group, and Saudi Hollandi Bank. He is recognized for his deep legal knowledge in enforcement and bankruptcy cases, leadership in mentoring regional teams, and strategic insight in managing complex disputes, shaping responsible credit practices and operational excellence in Saudi debt recovery.
Motasim brings years of product management experience from his early career working in Silicon Valley startups & VCs. Recently, he was a Product Lead at Mozn and built a SaaS AML platform for the financial sector from scratch and led sales and marketing. He received his Bachelors in engineering from Stanford.
Faiza Nasir is a seasoned executive with over two decades of distinguished leadership within the retail banking landscape in the UAE. Currently serving as the Head of Product (Retail Loans) at the National Bank of Umm Al Qaiwain, she is responsible for steering product management, digital transformation initiatives, and credit risk strategy for the retail loans portfolio. Bringing a wealth of practical, award-winning experience in mortgage lending, her expertise was honed at the forefront of the industry during tenures with First Abu Dhabi Bank (FAB) and Abu Dhabi Islamic Bank (ADIB). Faiza is passionately dedicated to leveraging technology for financial inclusion and fintech innovation, and her commitment to excellence has been acknowledged through numerous industry accolades, including prestigious CEO Awards, Proactiveness Awards, and the FAB Workplace Champion recognition.
As Chief Risk Officer at HALA, Hitesh Masand leads the development and execution of a robust risk management framework that safeguards financial stability while driving sustainable growth. With expertise spanning market risk, operational risk, credit risk, enterprise risk management (ERM), and regulatory compliance, he strategically leverages risk to enable business success. At HALA, Hitesh has pioneered data-driven and technology-enabled credit assessment models to support SME payments and financing, empowering small businesses in Saudi Arabia. He also plays a key role in governance and financial strategy as a member and chair of multiple board committees. Passionate about fintech innovation and responsible finance, Hitesh is committed to fostering a resilient, risk-aware culture that aligns with HALA’s mission of delivering sustainable financial solutions.
Nuwan P. Sumanasekera is a seasoned banking leader with over 25 years of experience across Credit Risk Management, Business Banking, SME Banking, Retail Banking, and Operations in Oman, U.A.E, and Sri Lanka. As Head of Credit & Operations – Najahi Business Banking at Bank Muscat, he drives strategic credit policies, operational excellence, and digital transformation to strengthen MSME growth. Renowned for managing multi-million-dollar credit portfolios with exceptional asset quality, he continues to shape the credit and collections landscape through innovation, sustainability, and risk resilience.
Anand Dev Dhand is a dynamic strategist and innovative business leader with over 23 years of expertise in driving digital transformation across industries including retail, e-commerce, AI, SaaS, smart applications, and tech-driven solutions. He has held leadership roles at Microsoft, Intel, Amazon, Salesforce, and Samsung, where he successfully led the growth of innovative business lines. Currently, as Head of Partnerships and Alliances at LeadSquared, he spearheads strategic partner initiatives across India and the Middle East, building and nurturing alliances that drive growth, innovation, and wider adoption of LeadSquared’s solutions.
Ammar spent years working at a $800m VC fund in MENA, STV. As one of the first hires, he led many initiatives beyond core investment and portfolio work including accounting, strategy, compliance, financial reporting, marketing, and HRM. He received his Bachelor's in Mathematics and Philosophy from Yale.
Motasim brings years of product management experience from his early career working in Silicon Valley startups & VCs. Recently, he was a Product Lead at Mozn and built a SaaS AML platform for the financial sector from scratch and led sales and marketing. He received his Bachelors in engineering from Stanford.
Prateek Gupta is a dynamic and achievement-oriented professional currently serving as Credit Control Manager at Al Tayer Group. With strong business acumen and proven leadership skills, he has a track record of driving corporate objectives while implementing commercial discipline across business operations. His expertise lies in credit control, financial management, and operational excellence, making him a key contributor to sustainable business growth.
Khurram Z. Chishti is the Senior Credit Officer at Habib Bank AG Zurich, with over 20 years of experience across leading global financial institutions. He oversees a portfolio exceeding AED 5 billion and more than 600 commercial clients, driving strategic credit decisions at both board and country levels. His career includes leadership roles at Citibank, Standard Chartered, and major Islamic banks across the UAE, Hong Kong, and Pakistan. Khurram has successfully implemented Basel III and IFRS 9 frameworks, restructured distressed portfolios, and reengineered credit systems to enhance performance. A certified FRM, FMVA, CBCA, SCR, AFM, and executive coach, he is recognized for transforming underperforming teams into high-performing units while serving as a trusted advisor to boards and regulators.
Fahed Fawal is Vice President of Privacy & Cyber Risk Advisory at Lockton MENA, based in Dubai. He leads the firm's practice in the region, helping clients mitigate cyber threats, strengthen security posture, and align risk management with the evolving cyber insurance landscape. Previously, he served as Cyber Risk Advisor at AIG in Paris and Dubai, where he managed cyber insurance technical advisory across France, Belgium, and the GCC/North Africa. Fahed collaborated with CISOs of leading organizations, delivering technical assessments for large insurance programs and advising on ransomware, incident response, and emerging security technologies. His expertise has influenced underwriting strategies and enhanced client cyber resilience. He holds an Engineering Degree in IT Security from Telecom ParisTech and both a Master's and Bachelor's in Computer Science from Saint-Joseph University, Beirut.
Tamas is a distinguished professional who joined Loxon in 2001 after a successful career in banking and macroeconomic modeling. With his extensive expertise, he established Loxon's business consultancy team and spearheaded numerous projects aimed at enhancing IT support for lending and risk management processes of various financial institutions. He played a pivotal role in the development and implementation of Loxon's Collateral Management, Rating/Scoring, Retail and Corporate Lending systems, and Basel II preparation projects throughout the EMEA region. As a result of his contributions, Loxon has emerged as a market leader in lending, collection, and risk management business solutions, providing its state-of-the-art systems and implementation services to clients across 25 countries.
As Head of Sales, Tamas has led Loxon's international expansion and has been serving as CEO since 2012. In his capacity as Chairman, he determines the long- and mid-term strategies of the company. Tamas's remarkable leadership and strategic vision have been instrumental in Loxon's continued growth and success.
Mohamed Al Zamil is a professional banker with more than 17 years of experience in Islamic & conventional Banking, Corporate & Retail Finance, Banking IT & Operations and Project Management. At Reem Finance PJSC, He oversees Operations & IT, CAD, legal & collections, and HR departments.
During his career, He worked at ADIB, UNB and Al Hilal Bank where he participated in many mega projects including 3 system migrations in addition to lunching new products and centralized services.
He completed his BA degree in Management and Information Systems from Sharjah University, UAE. Further to being a Certified Islamic Banker (CIB), he holds a PMP certificate (Project Management Professional) from PMI institute in Pennsylvania, USA
Mai is an experienced CX leader & enthusiast responsible for designing & implementing cross-channel customer engagement strategies, launching relationship deepening programs and improving retention levels who has been at the forefront of helping organizations accelerate their transformation to a “customer obsessed” culture. Her forte lies in driving CX transformational change through human-centric delivery models, innovation and process re-engineering programmes. She is currently the Head of Client Experience at Invest Bank, where she oversees the development & implementation of the bank’s enterprise wide CX strategy & framework across channels. She has also worked with organizations like United Arab Bank, First Abu Dhabi Bank & Arab Bank. She also has a demonstrated history of building and managing highly engaged customer facing teams
Sanket has over 25 years of experience in Consumer Credit Risk primarily in MEA region. Currently he is working as a Credit Risk regional expert in Mastercard Advisors for EEMEA region. In his previous roles he has worked with leading Banks in the region such as ENBD, CBI and Barclays and worked in UAE, Saudi and Egypt markets. Sanket has end of end expertise on key risk pillars of Credit Policy and Portfolio Management, Credit Underwriting and Collections and Recoveries Management
He hold an MBA Degree (Australia) with a 20+ years Banking experience, with 3 leading banks in UAE ADIB, One of the founding team of Noor Islamic bank and Ajman bank.His experience is between Consumer banking and Corporate banking. Mahmoud did Branches Management, Sales Management, Mortgages, Cards, Personal loans, Real estate, recently looking after Global Transaction banking and Escrow accounts All across the UAE.Breaking records is always his most joyful moment.Mahmoud believs in Leadership and people management is the key for success. There is no successful leader without a great team.
A leading lawyer with over 10 years of experience. Nirvana pursued her Bachelor's in Law in the year 2007 from the University of Cairo. Moving forward, she completed a Masters in International Commercial Law in UAE in 2010. She is a registered lawyer and a practicing advocate under the Egyptian Bar Association.Nirvana has a detailed eye and has enabled RAALC to position itself as the best in the UAE’s corporate sector. Before devoting herself to RAALC, Nirvana was fortunate enough to bag experiences from different corporate sectors and major law firms in the UAE. She has represented multinational companies with higher corporate and commercial transactions.Nirvana participated and continues to participate in various volunteer and pro bono activities for the past five years. She is bespeaking with her corporate, commercial, and, most importantly, arbitration realms. She has successfully handled critical cases and conducted negotiation settlements. Her persuasive behavior is notable. Nirvana has developed a clean and clear acumen for legal reasoning and an eye for spotting issues. She has excellent client and communication skills, which make her one of the best lawyers that RAALC has. She is a recurrent guest lecturer and has authored full articles addressing emergent and multifaceted business litigation issues.
Mr. Harish B. Parmar is the founder of City Credit Management LLP and has over 30 years’ experience in developing innovative ideas for diverse financial institutions in the United Kingdom and India. He mentored and led a team in developing an integrated debt management program in India and set up a company called SingleDebt.
Mr. Parmar is always focused on developing a global financial model to overcome individual problems, risk factors, and open access to the Debt Management industry in India. He has tirelessly worked to establish a reputation for debt management in India among a large number of global audiences.
Early in his career, he held leadership positions with a variety of financial institutions, including merchant banks and high street banks. He developed a vision for introducing debt management for the first time in the Indian financial industry.
Mr. Parmar pairs a broad range of financial industry experience with leadership qualities. His greatest strength is his ability to spot opportunities, react to them, and introduce creative techniques to the market. All of the success he has today is the result of diligent work from the roots. He has a blend of technical, operational, and people skills, along with a keen business sense and the ability to boil complex issues down to a manageable level. His style is purpose-driven, people-centric, and outcome-oriented.
Mr. Parmar, a man with modern vision and a strong decision maker. He has excelled in his unique skills in expanding his innovative business ideas to the public and financial sectors. He always took his steps forward in achieving success with an optimistic attitude that gave him the ability to communicate the invention of financial strategy to a large audience.
A seasoned banker of 25 years in the area of Credit Risk Management and a Subject Matter Expert in Credit & Collections (Certified Financial Collections Professional (CFCP). He has worked in multiple financial institutions (Citibank, and ABN Amro Network) around the globe during his professional career. For the last 15 years, he has been providing his consulting and training expertise to global consulting companies in particular to Collections Transformation, Automation, and Training. For the last 11 years, he has worked with International Finance Corporation (IFC) – A World Bank Group as a Short Term Consultant (STC) – Credit Cycle Specialist. During this time, worked as a Subject Matter Expert with other consulting companies like PwC, and Bank T&D UK and served as a faculty member for BankerLab® and International Center for Professional Collectors (ICPC) Canada.
What makes him unique in his subject matter expertise is the capability of mastering both the Art and Science of Collections. He has been instrumental in strategizing and collaborating in the implementation of several Automated Collection Systems including CGI’s CACS, FICO’s Debt Manager, and CWX in various banks and he continues to excel in this field.
He is currently associated with EXUS Software Limited and provides advisory and consulting expertise in improving the collections business model for the existing customer and new projects.
Sanjaya is the Founder of XGen Group, an Australian-based fintech solutions provider specializing in Collections & Recoveries Systems, Loan Origination Systems, and Cross Sell & Up Sell Management Systems. Under Sanjaya's leadership, XGen has evolved from a startup to a highly respected company with a global footprint, earning the trust of globally renowned clients in the banking, finance, and telecommunications industries.
Before starting XGen, Sanjaya worked for General Electric (GE) in more than 13 countries across Europe, the Americas, Asia, Australia, and the Pacific. During his time at GE, Sanjaya held country-based and global leadership roles in finance, strategy, risk management, six sigma process improvement, and business transformation, managing portfolios in excess of billions of dollars.
Sanjaya's extensive experience allows him to facilitate large-scale cross-border business transformation initiatives to drive growth, productivity, and profitability. His expertise lies in turning around loss-making portfolios by focusing on operational, process, policy, and risk protocols associated with customer onboarding, account management, and servicing.
Israa is a dynamic results-oriented and strategic individual delivering results with an innovative approach and perseveres with reaching the best possible outcome for her clients.Israa is a native English, Arabic, Danish, and Kurdish speaker who possesses an Intermediate knowledge of German and Persian.Israa has achieved top-tier legal degrees from Select UK Institutions. She completed her Bachelor of Laws from Middlesex University in London with Honors (LLB Honors). She then pursued and completed a Master of Laws in International Law from the University of Nottingham (LLM in International Law) and a Master of Laws in Islamic Law from SOAS University of London (LLM in Islamic Law).Israa is a JAMS Certified Mediator who began her legal career as an Associate Mediator at the Arab Mediation Center in Cairo. She had the privilege of learning from the best mediators during her shadowing experience in JAMS office in New York. She developed a keen interest in International Dispute Resolution and moved on to initiate the work on some of the first structures inside the Iraqi Government.Israa has rich experience in drafting and vetting legal documents from various legal fields such as Sports Law, Corporate Law, Contract Law, and Property Law.Israa is an IICRA Certified Islamic Arbitrator and Expert who works closely with financial institutions on Islamic Financial Products. In addition to her work on the Corporate Team in RAALC Law Firm, Israa is also responsible for arbitration proceedings conducted in the English language. Israa is interested in legal research and has previously written for the Arab Mediation Journal. Her fields of legal research include, but are not limited to, Alternative Dispute Resolution and Islamic Law Reform.
Seasoned professional banker with over 20 years of experience in the fields of corporate banking, corporate credit risk, enterprise risk management, financial restructuring, credit operations & administration, structured/project finance & syndications, financial advisory, & operations of none-banking financial services company.
Darryl D’Souza is a Credit and Collections professional currently with aafaq Islamic Finance as Senior Vice President - Credit. He has over 30 years experience in the Banking and Financial Services, Consulting and Telecom sector. Prior to joining aafaq Islamic Finance he held senior roles within Credit, Collections and Operations at some of the leading multinational financial institutions in India, the Middle East, Eastern Europe and North America at The Royal Bank of Scotland, J P Morgan Chase, Citibank, HSBC, ANZ Grindlays Bank and Standard Chartered Bank. He has also worked with du telecom in the UAE and Sutherland Global Services in Canada. He is the author of a book ‘The Art of Quality Debt Collections: Exploring the human side of Collections’ published by AuthorHouse.
Kaushik is the Wealth Management COO for Africa & Middle East with previous roles as an Operations CFO, Venture Capital Finance Lead as well as Chief Product Owner. In his most recent role, he is a champion for digital disruption across client journeys and has transformed the client experience for Wealth Management across the region. Kaushik has been working with Standard Chartered since 2016 where he first joined as an International Graduate in Corporate Banking, after graduating as a computer engineer from the National University of Singapore. He is a Chartered Management Accountant and a double degree MBA graduate from Kelley School of Business (Indiana) and Manchester Business School.
A well-rounded, business savvy and culturally astute Banking Professional, with 18+ years in the corporate arena and a penchant for providing leadership in Credit risk, Retail Banking, Collections, Customer service, CRM & operational excellence by managing business operations with a focus on top-line & bottom-line performance A growth catalyst in designing strategy, formulating business development plan, partnering and establishing rapport with stakeholders, mitigating risks, bringing operational efficiency, building team’s credibility and leading as well as executing quick-witted tactical/strategic initiatives. His core strengths are team management/ collection & recoveries management with the processing of all operational activities as well process designing for customer retention as well as implementation of different process flows. Key competencies lies in successful execution of the goals, growth, leading large teams , leading cross functional teams, lead from the front, People Management, ability to handle large team across the geography. A customer focused professional with high level of interpersonal and communication skills of customer listening, negotiating & resolved their issues within the limits of my organization and up to customer satisfaction.
Certified Risk Professional with over 25 years of experience in banking sector in UAE, KSA & Qatar. Extensive experience in the Collection and Recovery arena at a leadership role with teaching and mentoring many employees. Strategic leadership in achieving business objectives including remediation of critical customers. A focal point of business development with a healthy portfolio under stressed market conditions
Mr. Wassim is a Senior Executive with a proven track record in retail credit scoring, collection analysis, profile analysis and assessment. Dynamic career growth reflecting excellent sales, influencing, negotiating, communication and general client management skills. Extensive experience in consumer lending, collection and credit card industry. Successfully spearheaded and sponsored retail risk and collection projects in all stages. He made sure that all were compliant and upholding to central bank guidelines and regulations. Introduced new product features on retail products that helped in increasing client and customer base.
Hassan Aiman is a professional with an expertise of bringing value through utilizing extensive customer service experience and excellent communication and business skills. Hassan's current position in Al Hamra Group of Companies is at the collections department as Assistant Vice president within the group business in Real estate development , Property management , owners association , facilities management , malls and retail , constructions , hospitality and hotels , marina , golf clubs & super vision of other business related to the group.His aim is to increase paid invoices and amounts by a huge number through guiding, monitoring, suggesting, and providing creative ideas and methods to his team and to the organization . Hassan was honored many times due to his achievements and talent in communications, personal skills, convincing and analyzing traits.
As the company's CEO, Ricardo Campos brings to ITSCREDIT a profound understanding of conventional banking to the digital/technology side. He excels at both strategy and execution. Ricardo is a digital transformation expert with a track record of success in the development of the digital transformation at Bank Millennium in Poland, founder of the most popular mobile payment system in Poland (BLIK), CEO of a startup e-commerce digital platform called "Goodie," and CEO of ActivoBank, the benchmark in digital banking in Portugal. With an MBA from NYU - Stern, LSE, and HEC Paris, Ricardo is supporting ITSCREDIT in becoming a recognized global brand.
Frederik Bisbjerg (born 1973 in Denmark) is a highly respected international business developer with expertise in digital transformation and business model innovation. His proven and numerous successes with worldwide business transformations come from his belief in enabling and empowering people to execute the change strategies. He is a highly sought-after senior advisor in the fields of digital transformation, digital-first corporate strategies, and C-level consulting, focusing on “the art of the possible” to secure business and digital transformation success. He holds the position as Head of MENA and Digital Transformation specialist with the Digital Insurer, the world’s largest knowledge base on digital insurance with more than 35,000 active members. With The Digital Insurer, he is part of the World’s first mini-MBA in Digital Insurance, where he lecturers on the topics of Strategy and Transformation, Big Data, and Best Practice Tech Architectures.
He has been Senior Vice President, Digital Transformation & Innovation, at Daman National Health Insurance company, one of the largest insurers in the GCC countries, where he managed the company’s digital transformation initiatives, building a ‘digital-first’ flexible and resilient insurance company.
He worked as Executive Vice President for Qatar Insurance Group (QIC), the largest composite insurer in the MENA region and one of the largest insurers in Asia. Based in the Middle East since 2013, he’s a sought-after keynote speaker and expert for local and international business innovation and development, working with companies seeking to leverage digital opportunities. Before joining QIC, Frederik was running the worldwide operations of SOS International, then the World’s largest travel claims and emergency assistance provider. With SOS International, he established companies in China and expanded SOS International’s Asian operations, securing the company a consistent two-digit growth. Frederik has strong business acumen and is recognized for his ability to build businesses and create new, often previously unseen, alliances between business partners for mutual benefits; a skill refined and honed through many years of working internationally for a top-tier management consulting firm.
Brijesh Chedayan, is a CollectionTech entrepreneur based in Dubai with 25+ years of expertise in emerging technologies. He is an authority in Legal and Collection Technology consultancy with great knowledge of technology trends and its effective application in collection domain. He has practical experience in delivering corporate wide Legal and Collection-Tech solutions across the Middle East, Africa and Indian Sub continents region.He is an author of numerous articles on Collection Technology. He is the CEO of Dubai based LegalTech firm, Beveron Technologies and author of ‘Building Smart Lawyer Office’, first of its kind book on LegalTech in the region. His second book ‘Smart Debt Collection’ provides comprehensive guidelines for collection professionals. Brijesh is also serving as the Industrial Advisory Board member of University of Bolton, UAE Academic Centre.He has acted as Customer Project Manager with Hewlett Packard Enterprise Service division and played key role in the delivery of large E-Government and Banking solutions projects in Middle East, prior to his jump in CollectionTech entrepreneurship. He has worked with Computer Sciences Corporation as Software Developer in his early career. He is located in Business Bay area in Dubai, United Arab Emirates and reachable on his email : brijesh.c@beveron.com
Jai Mulani is a visionary CEO who transformed IBT from a Startup into a Thriving Global Business and built IBT from 2 Employees to workforce of 800 Employees Globally.With over 20 years of experience in the BPO Industry, Jai's Leadership and Strategic Thinking have Propelled IBT to Unprecedented Success.By Prioritizing Innovation and Customer Satisfaction, Jai Spearheaded his team's Development of Revolutionary Technologies and Services that have Revolutionized the BPO Industry.He is a Passionate for Innovation and Growth, and is committed to driving positive change in the Business World.
Inclusive, mission-driven, and transformative Senior Finance Executive with 17+ years of experience in executing innovative corporate restructuring strategies and envisioning game-changing turnaround of multi-division organizations, fueling holistic and integrated change across business operations for diverse industry verticals. Experience includes defining, building & establishing global credit & collections SOPs as well as implementing internal controls, ensuring on-time collections while optimizing the organization’s cash flow.Well-versed in all the facets of Credit & Collections Management, Cashflow Forecasting, Risk Management, Regulatory Compliance, and Process Automation. Recognized as a visionary strategist and tactician with high proficiency in devising and administering sound operational and credit management procedures, and forging strategic partnerships, resulting in enhanced profitability and sustainable business growth. Charismatic and Inspirational Leader with a democratic leadership style that generates trust, loyalty, and respect.Working with Choitrams from past 3 yrs handling GCC credit operations.
