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
Discover why industry leaders trust our events
General Manager at Fintrestle Loans and Overdue rescheduling LLC
Ma’adi bin Mas’oud Al-Hajri is a prominent Saudi business leader and the founding Chairman of Mani Companies, a diversified group headquartered in Al-Khobar. With more than 33 years of leadership, he has overseen the transformation of the company from a national debt collection firm into a multi-sector enterprise with strong regional and international partnerships.
Under his visionary leadership, Mani Group expanded its services into operations and maintenance, energy, legal services, and corporate security, enhancing its influence across the Kingdom and the broader region. Born in Al-Jubail, Al-Hajri holds a Diploma in Human Resource Management and is known for his practical, people-centric leadership style.
Beyond corporate accomplishments, he has served as Chairman of Qadsia Sports Club and actively participates in cultural and athletic initiatives including athletics and camel racing. His commitment to community development and alignment with Saudi Vision 2030 has positioned him as one of the Eastern Province’s most respected business figures.
Abdulelah Aloshayni is a seasoned Founder, Executive, advisor, and certified trainer in leadership, digital transformation, and technology spaces with over 16 years of extensive experience in helping businesses integrate digital technology into their strategies, operations, and processes. With a passion for breaking down silos and streamlining customer journeys, Abdulelah has successfully guided numerous organizations through the challenging process of digital transformation and technology implementations. Abdulelah earned an executive MBA, providing him with a deep understanding of business strategy, financial implications, and operations. This knowledge, combined with his expertise in technology, has allowed him to develop innovative solutions that drive increased efficiency and profitability. Throughout his career, Abdulelah has worked with companies of all sizes and across a wide range of industries, from healthcare to insurance to financial services to aviation and transportation. His approach is always tailored to meet the specific needs and goals of each stakeholder, ensuring that they achieve their desired outcomes—which led the Ministry of Transport to accomplish the Golden Prize in Open-Source implementations among 144 government entities. As a CEO, Abdulelah is known for his ability to communicate complex ideas in a way that is easy to understand and actionable. He is a trusted partner to his stakeholders, providing guidance and support throughout the entire business growth and transformation programs.
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
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.
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.
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.
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.
Mishal Bin Namshan is an experienced collections and recovery professional with a strong background in the banking and finance sector. As the Head of Collections & Recovery at Tamam, he leads key strategies aimed at optimizing recovery performance, strengthening credit risk controls, and ensuring efficient operational execution across the collections function.
Driven by a passion for growth within the fast-evolving financial industry, Mishal has built a career focused on excellence, continuous improvement, and organizational contribution. He is committed to leveraging his knowledge, leadership skills, and industry insight to support the long-term stability and growth of the organizations he serves.
With a forward-looking approach and a dedication to professional development, Mishal continues to play a vital role in enhancing recovery frameworks and supporting sustainable business performance.
Layla Alaraj is a senior leader in operational risk management, contributing to the strength and stability of Al Rajhi Capital — one of the region’s leading investment institutions. In her role as VP of Operational Risk Management, she ensures that the company’s processes, governance frameworks, and investment services align with industry best practices and the highest standards of compliance, including the guidelines of the Al Rajhi Capital Shariah Board.
Al Rajhi Capital is recognized for delivering high-quality, tailor-made investment banking products and services backed by decades of trusted experience from Al Rajhi Bank. With a team enriched by global expertise, the organization provides comprehensive solutions across Asset Management, Brokerage, and Investment Banking for corporations, companies, and individuals.
Through her expertise and leadership, Layla contributes to Al Rajhi Capital’s mission of offering clients premium, secure, and innovative investment services.
Abeer Albashrawi is a Saudi MBA graduate and a dynamic professional with a passion for innovative thinking, creative problem-solving, and strategic engagement across the business landscape. In her role as VP of Credit Specialties at Marsh Middle East and Africa, she contributes to advancing trade credit insurance solutions while supporting clients in navigating risk and unlocking new growth opportunities.
Known for her out-of-the-box mindset, Abeer thrives in environments that encourage fresh perspectives and boundary-pushing ideas. Her interests span public relations, networking, content creation, entrepreneurship, fintech, and personal development — reflecting her commitment to continuous learning and value creation.
Networking is one of her core strengths and passions, as she believes in the power of building meaningful professional relationships and collaborating with forward-thinking individuals. Her curiosity about emerging technologies, market trends, and evolving business models drives her to seek insights, innovate, and identify new opportunities for impact.
Abeer also enjoys creating engaging and educational content, sharing her knowledge and experiences to inspire others and contribute to the broader professional community.
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.
Noura Hadi Al-Qahtani is a senior executive leader with over 17 years of experience in banking, compliance, quality management, and operations. As of March 1, 2025, she serves as the Chief Executive Officer (CEO) of Mani International Debt Collection Company, where she oversees strategic planning, regulatory governance, and national-level recovery operations.
Her leadership focuses on enhancing operational excellence, implementing advanced digital compliance systems, and driving sustainable recovery practices. Prior to her CEO role, Noura served as Compliance Manager at Mani Company and held several key roles at Riyad Bank, including Branch Manager and Operations Officer.
She is certified in ISO 9001 auditing, AML, and information security, and holds a Bachelor's degree in English Literature alongside a diploma in Human Resources. Known for her strategic mindset, integrity, and ability to lead cross-functional teams, she is regarded as a key figure in financial services transformation in Saudi Arabia.
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.
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.
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.
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.
Mr. Ammar Daghlas brings over 22 years of extensive experience in advancing banking industry development across both central banks and commercial banks. His career is distinguished by iconic achievements in designing sophisticated, high-impact solutions centered on advanced analytics, process optimization, risk management, and organizational development.
His strategic contributions have played a vital role in elevating the performance of key banking functions, including Retail, SME, Corporate, and Real Estate sectors. Known for his ability to align business needs with data-driven innovation, Mr. Daghlas has consistently delivered transformational improvements across operational and customer-facing domains.
Continuing his journey in innovative banking solutions, Mr. Daghlas has significantly influenced product advancement at Pio-Tech, enabling the company to achieve strong competitive advantages. His efforts have contributed to numerous success stories across banks in the Middle East and the African continent, reinforcing his reputation as a leader in shaping the future of banking technology.
Waleed Al Shammari is a seasoned collections leader with deep expertise in financial services, credit control, and risk management. As Collections Director at Al Yusr Leasing and Financing, he spearheads revenue recovery strategies, enhances credit-risk mitigation frameworks, and leads high-performing teams to improve financial outcomes while maintaining strong customer relationships.
His career includes impactful leadership roles in major organizations, including serving as Head of Collections at Deutsche Gulf Finance and as Collections & Credit Control Manager at Medical Care Company in Saudi Arabia. Waleed has also contributed to key financial institutions such as Flexible Murabaha and Samba Financial Group, where he strengthened his expertise in financial analysis, operations management, and end-to-end collections governance.
Recognized for his operational precision and strategic mindset, Waleed continues to drive transformation across collections functions, ensuring stability, customer-centricity, and sustained business growth.
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.
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.
Emad A Ahmed is the Chief Executive Officer of MANI International and a seasoned leader with 28 years of expertise in domestic and international debt collection. His career began at Saudi Awwal Bank (SAB), where he built strong foundations in collections and Retail Risk Management.
He later served as Recovery Manager – Overseas Collections, leading high-impact cross-border recovery operations and establishing efficient, globally aligned strategies. Emad is widely recognized for developing effective international debt recovery frameworks and elevating performance standards across the organizations he has served.
As CEO of MANI International, he continues to drive growth, innovation, and operational excellence across the company’s regional and global collection services.
Samir Gamal is the Chief Technology Officer at Mani and an experienced Back-End Developer specializing in PHP and Laravel. He leads technology teams in building high-performance, scalable systems that support business growth across the company’s operations.
Samir has successfully delivered large-scale digital platforms including debt collection systems, school and hospital management systems, municipality systems in Iraq, law firm management systems, accounting platforms, and HR management systems for organizations across Saudi Arabia and the region. His expertise also includes integrating multiple payment gateways in Egypt and Saudi Arabia to enhance user experience and operational efficiency.
Beyond his corporate role, Samir runs MoraSoft, one of the Middle East’s leading tech YouTube channels with over 19,500 subscribers, helping developers and tech enthusiasts advance their skills and careers.
Mohammed Almutair is a strategic leader with diverse experience in the insurance and banking sectors, specializing in market dynamics, enterprise transformation, and the evolution of collection and recovery functions. He has a strong focus on implementing advanced, data-driven automation that supports client needs, organizational goals, and resource optimization.
As the Director of Enterprise Collection Services at Bupa Arabia, Mohammed oversees nationwide collection and recovery strategies designed to strengthen stakeholder relationships, enhance the cash cycle, and deploy robust technological tools. His leadership contributes to building high-performing teams and elevating client experiences through modern, efficient, and scalable collection frameworks.
Recognized for his forward-thinking approach and operational excellence, Mohammed continues to play a key role in shaping Bupa Arabia’s enterprise collection capabilities and driving measurable business impact.
Lana Abduljawad is a persistent, values-driven leader with 15 years of experience across the financial and investment sectors. Her journey began in healthcare, where she developed a deep understanding of human care, resilience, and compassion—qualities that shaped her transition into financial services and investments.
Lana’s expertise now spans human, green, and carbon investments, financial inclusion, embedded finance, and DeFi. She is committed to advancing contextual, connected, social, green, and human-centric investment models that support sustainable development. As the Investment Services Director at Waseera FinTech Company, she leads strategic initiatives that drive inclusive and future-focused financial transformation.
With more than 18 years of experience across banking, fintech, telecommunications, and digital transformation, Mohamed Fathy is recognized as one of the region’s leading experts in digital banking, lending, and fintech innovation. He has been a driving force behind major digital banking and lending breakthroughs in Saudi Arabia and Egypt—transforming products, optimizing processes, and launching innovative lending solutions that have generated billions in portfolio value and disrupted every market they were introduced in.
Mohamed played a pivotal role in spearheading the development and launch of fully digital lending products for D360 Bank—the first digital bank in Saudi Arabia—setting a new benchmark for fast, seamless, end-to-end digital lending experiences in the Kingdom.
In his current role, he leads Product Development, Transformation, and Innovation at J-B Finance, where he is shaping next-generation digital lending capabilities, redefining product strategies, and enabling the launch of frictionless lending products that drive exponential growth.
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.
Parth Gupta is the Head – GM of Risk Advisory Services at Advanced Financial Solutions, where he leads high-impact risk, decisioning, and advisory functions across multiple financial institutions. Under his leadership, AFS is positioned as a premier Risk and Decisioning Partner, recognized alongside top-tier Gold Partners for its deep expertise in credit risk, portfolio analytics, and strategic decision science.
Parth specializes in transforming risk frameworks, enabling digital decisioning models, and supporting financial organizations in enhancing accuracy, governance, and operational resilience. His work focuses on bridging advanced analytics with real-world lending and collection strategies, helping institutions improve risk visibility, optimize performance, and strengthen long-term portfolio health.
Hussain Aldohaim is a dynamic collections leader with a strong record of success across major financial institutions. As Head of Collections at NAYLA, he has consistently enhanced B2B, B2G, and B2C recovery performance through strategic process optimization, data-driven improvements, and effective team development.
With extensive experience in negotiation and delinquent account management, Hussain is known for building high-performing teams and deploying automation tools that streamline operations, increase efficiency, and significantly reduce bad-debt write-offs. His leadership reflects a commitment to innovation, operational excellence, and sustainable portfolio recovery.
Basheer G. Abhary is an accomplished Risk Management Leader with over 13 years of expertise in governance, enterprise risk management, and compliance across diverse industries in the GCC and international markets. He has a proven track record in building enterprise-wide risk frameworks, leading compliance oversight, and ensuring alignment with regulatory and strategic requirements.
Basheer holds a Bachelor’s degree in Financial Economics from the Hashemite University in Jordan. He is a CMA, CSCA, and certified in Risk Management Assurance (CRMA), in addition to holding the International Certificate in Enterprise Risk Management (IRMCert).
His career spans key roles at major banks in Jordan and leadership positions in risk and governance across multinational organizations. Prior to his current role, he served as Group Risk Manager at Hikma Pharmaceuticals, where he led ERM activities and oversaw Crisis and Continuity Management initiatives.
Currently serving as Head of Risk Management at Al-Watania Poultry in Al Qassim, Saudi Arabia, Basheer continues to drive strategic risk practices and operational resilience. Beyond his professional responsibilities, he is an active member of IMA, IIA, and IRM, and contributes to climate-risk research and steering committees focused on advancing sustainable and modern risk management practices.
Senior leader in revenues and health insurance ( financial Management) in Qassim health cluster with More than 7 years’ experience As Head of the Denial and Collection Unit at Qassim Health Cluster, I established the Revenue Cycle Management Unit, creating foundational workflows, policies, and operational frameworks to enhance efficiency.
Thamer Fahad Al Anazi is a seasoned Credit and Collection Executive with over 16 years of experience in managing and optimizing credit and collection operations. He holds a Master’s degree in Risk Management and has deep expertise across the entire credit life cycle, portfolio management, and financial risk mitigation.
Thamer has a proven record of leading cross-functional teams, streamlining processes, and implementing high-impact strategies that strengthen credit controls, reduce delinquencies, and improve collection performance. His leadership focuses on enhancing operational efficiency, improving cash flow, and reducing non-performing loan (NPL) rates to support strong financial outcomes.
Committed to operational excellence, he continues to drive bottom-line value by boosting recovery rates, minimizing credit risk, and ensuring the financial stability and growth of the organizations he serves.
Abdullah Al Harbi is an award-winning Saudi writer, director, and producer, and the Founder & CEO of Two Side Media Production. His work spans commercials, documentaries, and cinematic productions, earning him recognition as one of the creative voices shaping Saudi Arabia’s modern media landscape.
He is best known as the author and head of the writing workshop for the acclaimed series “The Father’s Ceiling”, and as the producer and director of the viral documentary “A Homeland Its Glories Documented”, which tells the story behind the naming of the Kingdom of Saudi Arabia—garnering millions of views and widespread appreciation.
His portfolio also includes directing the STC Bank Smart Savings Campaign advertisement, producing and directing major national projects such as the identity launch for the Supreme Authority for Industrial Security, and numerous high-impact media works that reflect Saudi Arabia’s cultural depth and creative progression.
Driven by a passion for storytelling, Abdullah believes that “we write stories, and God writes our destinies,” a philosophy that continues to guide his creative journey.
Faisal Hejazi brings over 16 years of expertise in credit assessment, risk mitigation, and strategic portfolio management. As the Head of Credit and Risk at Tabby, he plays a vital role in shaping the company’s BNPL (Buy Now, Pay Later) risk frameworks, ensuring policy implementation, operational excellence, and alignment with key performance indicators.
His experience spans credit strategy, performance optimization, and the development of risk controls across diverse financial platforms. Faisal is recognized for his ability to build data-driven credit policies, enhance decision-making processes, and drive sustainable portfolio growth while maintaining strong governance standards.
Majed Al Jeneny is the Chief Credit Officer at STC Bank, bringing over 25 years of progressive leadership in banking, credit, and risk management. He is a recognized expert in credit and collection strategy, enterprise risk management, and regulatory compliance, and serves as an active member of the SAMA Banks CRO Committee.
Majed has successfully led major digital and AI banking transformation programs, portfolio optimization initiatives, and enterprise-wide risk projects across multiple geographies inside and outside Saudi Arabia. His leadership is defined by a focus on innovation, operational excellence, and sustainable growth across complex financial portfolios.
Taleb Bin Taleb currently leads governance and transformation initiatives within collection operations retail and MSB at Al Rajhi Bank, driving innovation and efficiency in retail risk management. With deep expertise in governance, compliance and audit with SAMA regulations, and credit policy, he ensures alignment with organizational goals and regulatory standards. Previously, Taleb played a pivotal role in establishing Emkan Finance, a key subsidiary of Al Rajhi Bank, demonstrating his ability to deliver strategic initiatives. His commitment to operational excellence and enhancing customer experience positions him as a thought leader in credit and collections. Taleb looks forward to sharing his insights at the 5th Edition Credit & Collections Summit Saudi Arabia 2025.
I’m a senior credit and collection leader with a track record of driving financial health through strategic risk management and effective collections strategies. I combine deep financial analytics with practical, proactive solutions to improve cash flow, reduce risk exposure, and shape robust credit policies. My leadership approach centers on building high-performing teams, setting clear performance metrics, and fostering continuous growth. The result is consistent delivery of measurable financial results and strong support for long-term business growth.
Head of the Shariah advisory department at a leading financial institution, and a recognized legal and Shariah expert serving multiple prominent law firms. Brings extensive expertise in Islamic finance, regulatory compliance, and legal advisory across high-impact financial and corporate cases.
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.
ounis 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.
Mr. Talal Al Balushi is Senior Vice President and Head of Collection & Remedial management @ Sohar International Bank , hold MBA, TOT. A competent professional with over 18 years of rich experience in the area of Asset based financing, Banking, litigation Support,Process & Team management and Client Relationship Management
Mohamed Jawad is the Chief Financial Officer at Oman Qatar Insurance Co. SAOG, one of the largest composite insurance companies in Oman. With 14 years of extensive experience in the financial sector, Mohamed has developed expertise in Financial Operations & Reporting, Insurance, Auditing, Treasury Management, and Investments. Throughout his career, Mohamed has demonstrated exceptional leadership and strategic acumen, serving as a key member on various boards and committees within the Finance & Investment industry. His contributions have been pivotal in steering financial strategies that align with organizational goals, ensuring robust financial health and compliance. Mohamed holds a Master’s degree in Professional Accountancy from the United Kingdom and a Bachelor’s degree in Accounting from Sultan Qaboos University. His commitment to continuous professional development is evidenced by several additional qualifications that enhance his financial expertise. In recognition of his outstanding contributions to the insurance sector, Mohamed was honored as the Best Insurance CFO in Oman for the Year 2024 by the Global Banking & Finance Awards®
Gabor is an economist with a strong background of banking technology. Spent 5 years as a university teacher at Budapest Economic University and have worked for Erste and Intesa banking groups, both in business and tech areas before switched to the banking software solutions provider side, especially focusing automating the credit lifecycle. During the last two decades he has lived in Riyadh and Dubai for a few years and has worked in 40+ countries of 4 continents helping the financial sector to improve their collection and credit risk related processes and technology solutions. Since 2020 Gabor is running his own advisory activities, sharing time between Middle East and Europe.
Khalil Al Harthy is an experienced leadership practitioner with a demonstrated history of working in the financial and management consulting industry. He is skilled in business planning, operations management, HR consulting, coaching, and entrepreneurship. From 1992 to 2003, he worked as a portfolio Manager for the Central Bank of Oman and from 2003 to 2010 as Assistant General Manager for Al Ahlia Insurance Oman. In 2010, he co-founded the Performance Factory, a management consulting firm. He joined Credit Oman SAOC which is Oman’s ECA on 2019 till date as a CEO. He holds a bachelor’s in finance from the University of New Orleans with a double-minor in MIS and management, insurance professional certification, and fellowship in International Compliance Association
My working with manufacturing companies in the region for around 35 years, has helped in gaining experience in financial management and strategic roles. Trade Finance, Receivables management, Risk Management, Cash Management, Budgeting, ERP system optimization have been the principal areas of expertise during the 12 + years of working as a CFO. During this period, I also had HR, IT, Procurement, Stores, and planning department heads reporting to me and have worked closely with the CEO / Executive Chairman on strategic planning and advisory roles. Aluminium & Currency Hedging, Interest Rate Swaps, General & Credit insurance, Optimization of liquidity, helped in preventing and mitigating the impacts resulting from uncertainties & volatility in the current challenging times. Supporting the CEO in the transformation and streamlining initiatives at Balexco has helped in fortifying the company's position. Collaboration with the collection, sales and planning teams helps in optimization of collection process. Setting adequate criteria and control measures along with rigorous follow-up helps in avoiding or minimizing the loss from Bad Debts. Insuring the receivables or securing them through trade finance options are other useful tools for overcoming the risk of non-payment. Chartered accountant Bahrain Aluminium Extrusion Co (Balexco) BSC Closed – CFO from 2017 Group CFO -Awal Plastics WLL -Group CFO -2015 -17 From 1989 at Midal Cables Ltd -GM, Finance & Administration from 2011- 15
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.
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.
Stefan Cohrs is a Senior Vice President Cross-border at the EOS Group with expertise in international business. Stefan has excellent communication skills, plus the ability to effectively communicate across cultures. After more than 20 years in the car financing industry, working in management positions for banks, Stefan joined the EOS Group in 2015 and is significantly involved in the successful development and expansion of the Cross-border business.
Certified International Credit Professional from the Finance, Credit & International Business Association. CICP (FCIB USA), MBA (Risk & Finance) B.COM
Expertise: Credit & Collection management, People management, Cash Flow Expert.
Total Experience: +15 Years of Extreme Experience in Credit, Collections, B2B & B2C
Industry Exposure: Consumer Credit Banking, Integrated facility management, Catering Services, Building & Construction, Trading of Agricultural & Kitchen Equipment’s, Automotive industry
As the Unit Head of SME at BankDhofar, I lead a team of professionals who provide banking and credit solutions to small and medium enterprises across various sectors and industries. With over 13 years of experience in the banking industry, I have developed strong analytical, management, and financial risk skills that enable me to deliver value to our clients and stakeholders.
I have a MSc in Finance from the University of Strathclyde and a certification in Commercial Credit from Moody's. I also have expertise in both Islamic and conventional banking, having worked as a Unit Head of Wealth Management Credit Relations and a Relationship Manager of Large Corporate at Alizz Islamic Bank. My mission is to support the growth and development of SMEs in Oman and the region, leveraging my knowledge and experience in Islamic and conventional banking and finance.
Head of Credit Control, MIS & Projects – SME & Mid Corporates, Bank Muscat
Over 18 Years of Expertise in Risk Management, Portfolio Management, Credit Collections in SME & Business Banking.
Errol Pereira is a seasoned Credit Risk Professional with over 15 years of extensive experience across the banking sector in both India and the Middle East. Currently, he leads the Credit in SME & Mid-Corporate portfolio at Bank Muscat, managing a $700 million USD portfolio across the Middle East. He plays a pivotal role in ensuring the financial health and risk mitigation of the bank’s SME portfolio, leading initiatives focused on credit control, MIS, and strategic SME automation & digitization projects.
Key Achievements at Bank Muscat
Previous Roles in India
Errol’s career began in India, where he held leadership positions at prominent financial institutions including HDFC Bank, IndusInd Bank, DCB Bank, and Yes Bank.
Technological Contributions and Innovations
Throughout his career, Errol has been passionate about leveraging technology to enhance risk management.
In recognition of his expertise, Errol Pereira continues to lead and inspire in the fields of credit risk and financial management, driving innovation and stability across Bank Muscat's SME portfolio.
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, HewlettPackard (HP) and Saad Hospital.
Chairperson and key speaker on the 2nd Annual Kingdom Credit Management & Collections meeting (Riyadh) 15-16 OCT 2018
Board Member of the Omani Lawyers’ Association from 2016 until now. His work experience from 2004 and until date has specialized in commercial law, corporate and company matters and specifically the financial field and conducted many suits for banks and finance companies at all stages and has a great knowledge of the banking and banking operations, and expert of accounts and how to calculate where it benefits. Practical experience achieved from different law firms and financial companies like United Finance Co. as Legal Officer for 6 years and National Finance Co. as Legal Collection Manager for 1 year. A certified arbitrator from Geneva Arbitration Centre.
Specialized in Industrial Credit with working experience in banking, Credit Insurance, Collection & Recoveries for more than 30 years. One of the founders of Export Credit Insurance Agency know as Credit Oman SAOG . Remarkable roles in strategic planning, risk management, collection.
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
An impeccable and progressive professional with more than 25 years of comprehensive experience in management and leadership roles with vast knowledge in areas of Collections, Legal Recoveries, Call Centre, Customer Service and Operations including Mortgages. Tenacious and thorough in approach, astute in formulating optimal strategy for each credit portfolio; maximizing credit recovery. Innovative thinker with extensive experience with large financial institutions such as ENBD Group (Emirates NBD, Emirates Islamic & Tanfeeth), HSBC, AND Amro, Mashreq & RAK BANK.
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
Ms Faten is a highly collaborative and engaging customer experience passionate with strong communication and management skills demonstrated internally and remotely; effectively working with agents, managers, and executives across all departments.
Having over 15 years of experience, managing teams up to 90+ employees while being responsible for recruiting and interviewing new candidates in different positions in the call center after analyzing the required workforce in every department to achieve account goals. With a sincere passion and obsession for customers' experience, having achieved up to 60% NPS scores and 90% satisfaction scores while maintaining a lean, highly productive operation. Having extensive experience in designing and delivering needed processes and training materials for the call center department based on current gaps, ineffective results or lack of coordination to achieve the company's goals and vision.
A dynamic, highly logical and analytical senior finance management professional with over 8 years of cumulative sold experience in credit control, receivable and collection. Dealing with billions of receivables including B2B, B2C & oversees within dynamic environments through well-known Intl brands and listed companies Tawuniya, AON and currently Medgulf as a Director of Credit Control & Receivable. Leading the implementation of IFRS 9 Financial Instruments and managing four sections Credit Control, Receivable, Corporate Collection, Recovery Collection with a track record of achievements directly linked to P&L.
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.
Ahmed has a proven executive management record and over 8 years successful experience in Sales, Marketing, Strategic and Operations Leadership. His expertise is to lead organization and revamp company images and performance.
Ahmed is a dynamic, results-oriented leader with a strong track record of performance in turnaround and high-paced organizations. Utilize keen analysis and insights and team approach to drive organizational improvements and implementation of best practices. Superior interpersonal skills, capable of resolving multiple and complex (sales, humanresources, legal, finance, operational) issues and motivating staff to peak performance.
Ahmed earned his Bachelor of Science degree in Communication Knowledge Engineering from The Future University Sudan in 2013. Graduated with Latin Honor’s, he came to UAE for higher education and studied Masters of International Business Administration in Wollongong University Dubai. He also studied Diploma of Satellite Engineering in India. ,
Ahmed is currently managing Tafaseel BPO, Tafaseel IT , Salama Healthcare Services , Namaa Agricultural investments , Rannah , Technologia .
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.
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.
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, HewlettPackard (HP) and Saad Hospital.
Chairperson and key speaker on the 2nd Annual Kingdom Credit Management & Collections meeting (Riyadh) 15-16 OCT 2018
Badr Alyamani is a seasoned leader with an illustrious 13-year career spanning Debt Collections, Credit Risk, Procurement, Contracts Management, Project Management (PMO), and Finance Digital Transformation. Having dedicated over 5 years to the National Commercial Bank (now SNB), he has been a pivotal part of Bupa Arabia since 2016, currently serving as the Director of Finance Support Services.
Badr has actively championed the integration of advanced technologies in digitizing collection and credit departments through strategic implementation of process automation, sophisticated credit scoring and collection behavioral models, and predictive auto dialer systems.
Badr has adeptly overseen significant operation centers, managing multibillion-dollar receivables and multimillion-dollar CAPEX and OPEX expenditures.
His accolades include recognition for team inspiration, operational excellence, and the delivery of exceptional client experiences, contributing to substantial and unparalleled business growth.
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.
Hussein Shohdy is an Internationally Certified Credit & Collection professional, with over 23 years of operational & leadership experience. Most recently, leading the Credit Management transformation at Bupa Arabia and earlier at G4S & Mobily in Saudi Arabia. Previously worked at MobiNil, TechData, Etisalat Misr, EFG Hermes (Asset management) and is a well-rounded expert who has developed and implemented agile Credit Mgnt and Collections strategies whilst holding full organizational responsibility and accountability. He earned his MBA from NYIT. Additional expertise in developing and leading high-performance teams, while working across the Middle East in Egypt, Kuwait, UAE, and Saudi Arabia. He strongly believes and lives by this quote: �What we do for ourselves dies with us. What we do for others and the world remains and is immortal' - Albert Pike
Abdullah Mukhtar is a professional with over 18 years of Collection and recovery operation & leadership experience in customer care for both sectors B2B and B2C. Now leading the collection and recovery at the Saudi mining company and Previously worked at ( Bupa - Mobily - King Abdullah economic city - Al Rajhi holding ( Real estate - Industrial ) expert who has developed and implemented collection strategies and policies (Insurance - Telecommunication - Real estate - Mining ). with a degree in ITC Additional expertise in developing and leading high-performance teams in KSA.)
Waleed is an Industry Expert with over 22 years in Operation Management, Collection Dept., Credit Dept., Team Building and Training, Complaint Handling and Resolution, Cost Reduction Strategies. 15 years as Dedicated Admin Executive operation and credit management, experience in admin process of marketing and sales, credit banking, and dealing with internal and external suppliers. Consistently achieve high record in budget, improvements to the bottom line and turnaround of underperforming operation as worked at SAMBA financial group and ALISSA group in ALYUSR Installment Company. 12 years experience in Credit, Individuals and Companies National Medical Care Co., Morabaha Marina Finance Company, SAMBA)
ounis 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.
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.
Dr. Mohamed Mahmoud Mahran is a distinguished legal professional with a robust background in law and an extensive career as a legal consultant. Graduating from the Faculty of Law and Political Science in 2009, he has since become a renowned expert in various branches of law, solidifying his reputation as a leading international law professor.
Despite his relatively young age, Dr. Mahran has achieved notable recognition for his expertise in conflict resolution and arbitration. He possesses a wealth of experience, having served in front of arbitration bodies such as the Dubai International Arbitration Centre (DIAC) and holding the esteemed position of State Lawyer in the Arab Republic of Egypt. Additionally, he is a member of the Arab Union for the Protection of Intellectual Property Rights and has earned a Ph.D. in Law from the University of Alexandria.
Dr. Mahran's academic prowess extends to multiple degrees, including a Master's in General Law, diplomas in Arbitration, Public Law, Administrative Sciences, and an MBA. His commitment to continuous learning is evident through various specialized courses he has undertaken.
As a founding member of the Arab Union for International Arbitration, a member of the American Society of International Law, and the European Society of International Law, Dr. Mahran actively contributes to the global legal community. He serves as the Secretary-General of the International Committee for the Defense of Water Resources (ICDWR) and lectures at the Faculty of Law at the University of Alexandria and other institutions.
Dr. Mahran is not only an accomplished academic but also a sought-after legal consultant for numerous entities. His expertise has been featured in various television interviews and daily press dialogues, further solidifying his standing in the legal field. To explore more about Dr. Mohamed Mahmoud Mahran, the distinguished professor of international law, you can find additional details through online searches and references.
Specialized in Industrial Credit with working experience in banking, Credit Insurance, Collection & Recoveries for more than 30 years. One of the founders of Export Credit Insurance Agency know as Credit Oman SAOG . Remarkable roles in strategic planning, risk management, collection.
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.
Hassan Musalli, a Seasoned professional experienced in both Corporate Credit Banking and FMCG industries, with previous experience in Credit Documentation in FAB (first Abu Dhabi Bank, UAE)., and various FMCG companies (AMS Baeshen, PepsiCo, SADAFCO, KSA) Currently Mr. Hassan positioned as Head of Credit department on SADAFCO JSC, with 12+ years of experience on credit, Mr. Hassan gained the level of professionality on understanding the collection recovery cross markets and Legal requirements to protect organizations’ assets and credit sales, and give a strategic decisions from commercial finance point of view. His leadership style and skills proven to position his team at best practice for team building, develop and improve team skills, motivating and encouragement the team awarded him to be nominated to 'Outstanding Leadership Award' MoRE 2.0 Conference. Mr. Hassan graduated with an honorable degree on Business & commercial studies – Accounting & Finance (Double Major) from Liverpool, UK.
Philippe Lescroart is a seasoned professional in the field of sales and data management, currently serving as the Head of Sales at Cedar Rose in Dubai, UAE. Philippe's career reflects a strong track record of leadership and expertise in sales management, contract negotiation, and data analysis across various industries and regions.
Before joining Cedar Rose, Philippe worked at Moody's Analytics from March 2019 to December 2022, where he served as a Data Sourcing Manager for Global Datasets. In this role, Philippe managed over 50 information partners worldwide and led the customization of a contract management platform (Birdseye), showcasing his ability to leverage technology for business optimization.
Philippe's career in sales began in earnest at Bureau van Dijk where he held various key positions from January 1997 to February 2019. As the Sales Manager of the Middle East, Country Manager for Switzerland and later as the Regional Sales Director, he demonstrated a keen understanding of customer needs and market dynamics in the European and Mediterranean regions. His responsibilities included leading sales strategies for Belgium, Luxembourg, Switzerland, Liechtenstein, and parts of the Mediterranean.
With a career spanning over two decades, Philippe Lescroart exemplifies dedication, skill, and a forward-thinking approach to sales and data management. His diverse experiences and commitment to mentoring the next generation underscore his leadership in both professional and community spheres
Sachin Seth oversees the overall business of EbixCash Financial Technologies as a Managing Director and CEO as well as Non-executive director of BSEEbix JV He has over 27 years of expertise in banking, insurance, payments, wealth management, and NBFCs in India and overseas markets. Prior to this, he was a Partner at Ernst and Young LLP (EY), where he led the financial services sector's Digital and Fintech practice. In a comparable profession, he worked nearly a decade at IBM Global Business Services.
Adam originally graduated in Finance at the Budapest University of Economics. He did his MBA in the United States at Eastern Illinois University in 2001 and became a CFA charter holder in 2004. He worked as a credit analyst at Cole Taylor Bank in Chicago in 2002 and 2003, then between 2003 and 2005 he worked as a senior risk management analyst at the Chicago Mercantile Exchange. Adam joined Loxon in 2005. Since then, he has mostly focused on the collection product line of Loxon and has gained experience from a wide range of collection project implementations in Europe, Asia, and Australia.
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.
Serial Entrepreneur | Transformation Business Leader | Sustainability Enthusiast | Investor | Opportunity and Talent Architect|Mentor | Key Note Speaker @COP28 | Lifelong Learner @Hult Business School, @Stanford University, @LSE
Ankur Srivastava has a decade+ expertise in setting up tech-driven debt collection businesses both in India and Europe. He has hands-on experience in deploying tech solutions for collections life cycle management and financial literacy. He is currently the Chief Business Officer at Creditas Solutions.
Career Highlights:
Sagarika acts as the CEO to IIRIS and comes armed with both legal and risk mitigation strategies. She has niche experience in risk and investigative practice and has worked on diverse engagements dealing with security management, risk advisory, fraud investigations, financial analytical services, integrity due diligence, strategic business intelligence, commercial due diligence, and brand protection. Her key area of interest lies in risk advisory, analysis of behavioral sciences, and homeland security and she has also acted on the Advisory Board of Gujarat Forensic Science University.
Sagarika has acted as the Chief Security Officer for Mumbai Film Festival since 2015 and has also led various executive protection and risk mitigation exercises for various companies including Disney, Netflix, Anand Group etc. She has also led assignments pertaining to geopolitical risk advisory and risk mitigation mapping for various corporate travelers.
Sagarika is an experienced trainer and has trained various corporates on topics pertaining to POSH, Employee Grievances, Gender Sensitization, Basics of Investigations, Vigilance and Surveillance, OSINT, Due Diligence, Fire Safety, Employee Safety / Safety at Workplace, Trainings against Drug Abuse, Body Language, Homeland Security, Crisis Communication, etc.
Stefan Cohrs is a Senior Vice President Cross-border at the EOS Group with expertise in international business. Stefan has excellent communication skills, plus the ability to effectively communicate across cultures. After more than 20 years in the car financing industry, working in management positions for banks, Stefan joined the EOS Group in 2015 and is significantly involved in the successful development and expansion of the Cross-border business.
Kjell is Head of gen AI and Transformation at Cirruslabs. Kjell was a co-founder of ING Direct USA disrupting the banking industry and got to ring the bell on NYSE due to being the fastest bank to 1 Million mobile customers. Capital One acquired ING Direct and Kjell was head of mobile and emerging tech focused on transforming the culture from analog to digital while building a new mobile platform for 45 million customers. He has won awards from Apple, Wall Street Journal and Webby Awards. As an advisory consultant to executive level management at Fortune 500’s across many industries and Globally, Kjell has planned, launched & operated Global A.I. & digital Factories and built supporting ecosystems. Kjell is a certified Digital Disruptor from Harvard, certified in AI Strategy from MIT and certified in human centered design from Stanford with an MBA from Thunderbird. When not volunteering at his local STEM academy, Kjell also likes to cook meals for first responders and shoot sporting clays.
Armin Anklesaria is Head of Domain Consulting Practice at EbixCash Financial Technologies. Having been associated with BFSI segment for close to three decades he has deep domain knowledge of the finance industry, both domestic and international. He works closely with the Finance and Operations teams and designs strategies to enrich the functionality of the Product suite. Armin is an alumnus of Wadia College, Pune and a certified Chartered Accountant from The Institute of Chartered Accountants of India.
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.
As the CRO of SKIT.ai, Gangadhar Kodandaram is responsible for building a world-class sales team, executing sales priorities, and spearheading global expansion plans into APAC and US geographies. He has a proven executive management track record and over 17 years of experience in sales and strategic partnerships; he is also an advisor to start-ups and serves as Hon Director at Make-A-Wish foundation. Before joining Skit.ai, Gangadhar was the Director - Ent Commercial - Healthcare at Microsoft India. He was responsible for building the healthcare vertical and ran government business for South India, driving AI, Cloud, and Digital Transformation.
Anubhav Rajput is a seasoned and award winning technology transformation leader with over 2 decades of experience and is passionate about digital upliftment and its impact on enterprises. He has been instrumental in leading many tech transformations straddling both business and IT dimensions and delivering tangible business outcomes. He also brings a global outlook having worked in India and several emerging and western markets. Anubhav has been focusing on the interplay of business, technology, design and people to lead from the front. He is currently working as the CIO for Cholamandalam MS General Insurance where he leads technology and digital functions to transform the organization.
I have more than 25 years of experience and out of 22 years in Contact centres worked in major companies like HSBC , IBM , STARTEK , Concentrix and Cognizant at senior positions. Presently working as Global CTO
Shekar is an experienced senior technology professional focused on designing and managing large-scale, enterprise wide digital, automation and technology transformation programs. He has utilized more than two decades of strong leadership, problem solving and technical skills to identify emerging technology trends, define vision and strategy, mobilize internal and external resources, and build strong relationships with business partners and technology vendors.
As a technology executive at Yellow.ai, Concentrix, Peropta, IBM and Verizon, Shekar was instrumental in driving digital transformation initiatives globally across various industry verticals. He has led solution and delivery of Contact Center Technologies including Customer Experience Optimization, CRM Desktop, Network, Hosted Contact Center Infrastructure, Multi-Channel Routing, Proactive Outbound Notification, Speech enabled Self Service, Chat & Email Systems, Knowledge Management Systems, Cross / Up Sell Analytics, and Business Process Automation.
He has successfully managed several high impact, multi-million dollar programs in a global delivery environment, across various industry verticals to strategically transform customer interactions to optimize revenue generation opportunities and to enable operating efficiency improvements. He is able to successfully partner with clients to analyze an organization’s technical and functional needs, and then strategize to create and deliver innovative solutions that enhance growth and profitability. His solutions have helped in resolving multiple technical and business issues with organization wide impact.
Shekar holds a M.S. in Chemical Engineering and an M.S. in Information Management,
both from Arizona State University. He has one U.S. patent and has
published/presented papers in several scientific journals and conferences.
Ajay is 18 years industry veteran with complete IT life cycle implementations along with migrating 20k+ associates from various lines of business of Oracle into their next generation contact center(NGCC). Currently he is Associate Director in FirstSource where he has a diversified and an evolving role, He handles few internal and client facing projects , along with handling partner integration and leading their digitally enabled contact center offering(Aka DECC). He also builds pipeline new feature capabilities for the DECC offerings which include Virtual assistants , Agent Assist, Voice bio metrics, cognitive and NLP capabilities.
Makesh Sankaran has 25+ years of experience in working with tier 1 companies in the BPO industry, like Armsoft. His last major assignment was with Karvy DigiKonnect. Makesh is helping Fusion build business, operations, quality functions for APAC region. At present APAC region is one of the best performing region at a global level for Fusion Group of Companies.
Srinidhi Shrinivasan is the Head of Marketing at Skit.ai. She leads product marketing, demand generation, brand & sales content enablement at Skit.ai. With around 15 years of experience, Srinidhi has built her career on driving transformational chane through an emphasis on relationships, momentum, and impact. Prior to Skit, she was with IBM, Symphony Services and Eka across various marketing disciplines.
Richard Cho is Head of Product at Skit.ai - focused on revolutionizing voice interactions in the customer contact center space. Prior, he held leadership roles in technology, finance, and consulting, including driving digital transformation at Gartner, advising institutional clients on investment strategies for Bridgewater Associates, and leading consulting projects for McKinsey & Company. He has two patents for his work in recommendation systems and technology. He received his AM for Astronomy from Harvard and BS in Physics and Mathematics from NYU.
With an overall experience of 11+ years across data science and analytics consulting roles, Vibhu is currently working as Assistant Vice President at the ‘AI works’ team (The Artificial intelligence team) at Max Life Insurance. He has been working with Max Life since the last 3.5 years. He specializes in understanding critical business problems and developing and implementing AI solutions across the business value chain, leveraging all kinds of AI techniques such as Machine Learning, Deep Learning and NLP using structured and unstructured data (Text, speech). Prior to this, he has worked as a senior consultant for analytics consulting practice at Cognizant, leading marketing to delivery of AI and data science solutions.
Vibhu has a very diversified profile which brings in rich experience of both AI and business leadership. He is a MBA graduate from ISB Hyderabad (2013-14) with specialization in Operations, Marketing and Analytics. He has completed his under graduation as Bachelor of Fashion Technology from NIFT, Bangalore with a specialization in Apparel Manufacturing and Technology (2004-2008). He has successfully completed various hands on data science programs with specialization in Machine Learning, Deep learning and Speech AI. He believes in continuous learning and keeps taking up various courses on platforms such as coursera. Leading cutting edge work in the space of Technology and AI, he has won many accolades individually and for Max Life. He was awarded the Top 40 Under 40 Data scientist awards 2020 by Analytics India Magazine.
Chirag Boonlia, an Engineer plus MBA by profession with 17+ years of varied & enriching IT experience & currently contributing at Embassy Group as Chief Technology Officer (CTO). Having worked on various roles & responsibilities in Business Transformation initiatives transcending across domains, multiple technologies & organizations ranging from established to institutional backed start-ups, Chirag’s accolades speak for themselves.
He has been featured in India’s Frontline IT magazines including VarIndia, Silicon India etc and has also been rewarded amongst the ‘Top 100 Retail Minds’ in the country & featured as ‘Icons of the Digital Era’.
He’s had a distinguished career, having worked with marquee organisations such as Infosys, Oracle, JSW, Aditya Birla Retail, Virtuous Retail with experience transcending across Real Estate, Retail, Warehouse Management, Stores, Real Estate, Malls, Hotels, Co-Working Offices, Food courts etc.
He is an active speaker at multiple forums & Technology platforms & business mentor to AP Innovation Valley based start-ups & multiple early stage start-ups.
I am a doctor turned astute management professional with experience across functions to optimise the value chain of business in Healthcare. I have initiated & managed new business verticals, enhanced Market Penetration & Business Growth; managed multidisciplinary cross-functional teams E2E. With exceptional multi-faceted experience in Healthcare Management at top notch hospitals, I have contributed my expertise towards Medical Excellence, Service Excellence, Quality, Sales & Marketing, Information Technology, Vendor Management, Med-Tech, Out-of-Hospital/Home Care Services, Medical Tourism, Operations Management, Brand Management, Training & Customer Service & Human Resource. As a keen observer of market trends, I have been pivotal in driving forces towards expanding markets for running profitable businesses.
I have been fortunate to be mentored by global leaders with a background of Harvard, INSEAD & other ivy league B-schools who have themselves made a mark at corporate giants like GE Healthcare, IBM, American Express, Genpact, Apollo Hospitals, Medanta Hospitals, BLK Hospital, Fortis Hospitals & the Indian Armed Forces etc. I have been groomed to the proficiency of managing business operations encompassing conceptualization & executing strategies for New Sales, Sales Growth in B2B/B2C segments, Meeting Revenue and EBITDA targets. A thorough strategist and implementer with the deftness of laying down strategies & driving teams to ensure successful activation of hospital operations, I am an impressive communicator with honed interpersonal, team building, negotiation, presentation and analytical skills. I have driven Innovation & Change Management that has led to streamlined processes to forecast & drive positive EBITDA margins for the company.
I have mobilised methodologies & processes to achieve Patient Delight through excellent Service Delivery & Recovery. As part of the NABH Core Committee, I have successfully led assessments for Hospitals & Healthcare Providers.
Amit Ambre heads Delivery and Customer Success at Skit.ai; focused on revolutionizing voice interactions in the customer contact center space. Prior, he held leadership roles in sales technology and consulting, including heading enterprise sales at BlackBuck, helping clients drive digital transformation at Oracle and leading consulting projects for McKinsey & Company, across multiple geographies. He is a B.Tech from NIT Calicut and MBA from IIM Calcutta
Hemant Misra is an active researcher in the areas of text and signal processing, speech/speaker recognition, machine learning, healthcare applications and education. He did his MS (1999) from IIT, Madras, and PhD from EPFL (2006). Then he held post-doc positions at Telecom ParisTech, University of Glasgow, and Xerox Research Centre Europe. Currently Hemant is 'VP - Head of Applied Research' at Swiggy.
B-Tech in the field of Information and Communication technology, I started my career with Hewlett Packard Enterprise in 2012, working on the next generation of network switching/routing tech. At Plivo, a CPAAS company, I worked on simplifying cloud telephony and communication for businesses across messaging and voice channels.
From the intricacies of its implementation to its consumer-facing applications, Artificial Intelligence and Machine learning have always been an area of interest for me. Currently, I am working with a highly adept team at Yellow.ai to deliver the next generation of Conversational Voice bots to help optimize and automate enterprise-consumer interaction.
On weekends you will find me playing basketball and my ideal vacations usually revolve around scuba diving.
Professional with More Than 19 Years rich experience in Banking, Telcom, IT / ITES, Utility & E Commerce Industry
An effective leader with experience of managing sizeable teams, with capability to motivate Sales, Operations, HR Teams , Development Team to enhance their performance and contribution levels.
Rich exposure in setting up & scaling viable business models .Managed complexities of rationalization involving people, product & infrastructure.
Target Oriented with proven managerial acumen backed by focused energies fostering business growth, increasing market share, promoting and creating brand awareness and competition analysis and overall target achievements.
Ever since I started working, my goal has always been to stretch the limits of excellence and outdo my best every single time. I firmly believe in directing all my activities towards enhancing the bottom line effectiveness of my organization & Lead organizational success. I also attach great importance to business Values & ethics and propagate the same to my associates and colleagues.
Extremely Strong in Relationship Management building TRUST, CONSISTENCY in Performance and Long Term thinking. Ability to connect with Business Partners and providing them suitable business solution.
Strong Entrepreneurial skills combined with the ability to think laterally and out of the box.
Successful in building relationship with senior decision makers, product heads, business heads in making decisions to increase revenue and reduce cost both Internally & for Business Partners.
Ravinder Pal Singh (Ravi) is Harvard Alumni, Award Winning Technologist, Professor of Innovation, Rescue Pilot, DeepTech Investor and Global speaker with several hundred global recognition and patents. His body of work, mostly 1st in the world is making difference within acute constraints of culture and cash via commodity technology. He has been acknowledged as Person of Year, world's top 10 Robotics Designer, #1 Artificial Intelligence Leader in Asia and world's top 25 CIO. Ravi is active in India, USA, Singapore, Scotland, Mexico and Africa thru advisory, co-creation, hackathons and innovation funding to create mass-entrepreneurship at grassroots across rural, towns and cities. Over a decade as investor he has mentored and managed successes and failure with a net portfolio gain of over 22X ROI. Ravi continues to serve various international agencies by flying several hundred hours as emergency response expeditions ranging from covid to floods to earthquakes. In past Ravi has been changemaker C-level leader, inventive Innovator and creative Engineer with global fortune institutions of the likes Arthur Andersen, Wipro, Microsoft, Accenture, AirWorks Group, Tata Singapore Airlines and so on. His impactful body of work in the area of Robotics, Blockchain, Artificial Intelligence, Satellites, Intelligent Networks, Industrial Cloud, Adaptive manufacturing and Cognitive computing has unlocked value across 5 continents in improving civilization by helping various governments towards fiscal prudence & citizen services, while simultaneously encouraging compassionate capitalism thru brands and institutions like Nike, Micron Technologies, Weyerhaeuser, Bestbuy, Albertsons, Carrefour, Cognizant, General Electric (GE) and many more.
Dr. Jaideep Jesson Rayapudi, MBBS, MD is an aspiring cognitive neurophysiologist and expert in medical AI development. He currently serves as a Senior Subject Matter Expert in Healthcare AI at iMerit where he helps create large-scale datasets to power a variety of healthcare AI machine learning use cases.
Before joining iMerit, Dr. Rayapudi taught medical physiology for 20 years at various medical schools, starting his teaching career at his alma mater, Christian Medical College Ludhiana in North India. He strives to bring together the best of healthcare education and technology to the common person and believes that the best way to know the future is to create it.
Innovation is my passion. Collabaoration is my attitude. Execution is my action. Architecture is my Forte.
Currently I am practicing Digital Transformation, Innovation Implementation & Architecture Orchestration as Chief Innovation Officer at a Bank.
During 2016-2021, I have bagged 50+ Leadership awards Most Influential Payment Professionals, TOP 50 CIOs, Top 100 Innovative CIOs, Digital Leader of the Year, Top 20 BFSI Leaders.
I am founding Member of “India Blockchain Forum”. It’s Ecosystem riven program for Blockchain Adoption thru Education, Corporate Coe, Research & Accelerator programs in India. We have 40+ mentors in this blockchain program. We are advising 20+ Blockchain based FIntech & Startups in DeFi , Cross Border Payment , Protocols , NFT, Digital identity , Security etc areas.
I am co-chairing FICCI Blockchain Initiative in India
I have contributed for India’s National Strategy for Blockchain.
With over 25 years of rich experience in Banking & Finance, Manufacturing and Service Industry, Ratan Kesh, now heads the Retail Operations like Liabilities, Assets, Cards, Contact Centre and Service Recovery at Axis Bank. He is responsible for the day to day navigation of efficient operations, driving process and service transformation while keeping pace with the digital revolution through process reengineering backed by Intelligent Automation. Prior joining Axis Bank, he was the Group President - Operations Risk Management and Chief Experience Officer at Yes Bank wherein he was responsible for creating a robust architecture for consistent and superior Customer Experience across channels while ensuring effective Operational risk management. Prior to this he has handled various roles in HDFC Bank Ltd. in Customer Service, Service Quality and Product Management including Wealth Program, Current Account and Payment Product and has also served ICICI Bank Ltd. as Domain Lead for Lean Six Sigma.
Ratan is BE Mechanical and PGDBM from premier institutes and has completed Lean Six Sigma Black Belt. He is a certified Quality Engineer from Quality Council of Indiana, USA. He was recognized as one of the 50 most talented Quality Professionals in India by the World Quality Congress and India's top 25 Emerging Tech Leaders by Bicon Network in collaboration with Ministry of Electronics and Information Technology (MeitY), Govt of India
15+ years of global leadership experience in Management Consulting, ERP Strategy Formulation, Business Development, Project Management, Client Engagement and Supply Chain Management
5+ Years of international experience in SAP Implementation , SAP Consulting and managing Business Process Transformation.
Expertise in Integration of SAP modules, business process mapping, root cause analysis, solution creation, cutover management and data migration
9+ Years of extensive experience in Heavy Engineering sector, managing Design and Procurement function with large portfolio
Supriya Kulkarni is a Brand strategist, Human-centered designer, Ethics advocate and an Entrepreneur. Deeply interested in aspects related to the intersection of business, technology and society, she identifies tensions, pain-points or opportunities to develop solutions that positively impact individuals and businesses.
Supriya is a strong proponent of self-regulated, anticipatory, human-centered ethical design. Based on intensive research of the unintended consequences of popular autonomous digital voice assistants, she has created the ‘Ethical Conversation Design Toolkit’- a framework that helps practitioners in the voice industry consider the ethical implications of their products.
Supriya was a finalist for the ‘Women in Voice’ award in the ‘DEI in Voice’ category that recognizes outstanding contributions to advance diversity, equity and inclusion in voice.
Archna is a goal oriented Customer Experience Evangelist and Business Excellence Leader – with over 23 years of proven track record across Hospitality & Healthcare industry in helping organizations consistently meet and exceed customer expectations, effectively manage customer relationships and deliver value through curated customer solution strategies including technology led change.
She has worked with Taj Group of Hotels for more than 16 years with last assignment as Regional Business Excellence Head for 21 hotels in the regions of AP, T.Nadu & Kerala across the brands before moving to Healthcare industry in 2013.
While in Taj, she was also a Tata Group resource as Certified TBEM Assessor and had the privilege of assessing various Tata Companies across the industry sectors like Tata Motors CVBU, Trent Hypermarket, Tata Projects Limited, Tata Business Support Services etc
Her first stint in Healthcare Industry was at Manipal Hospitals (as their Pan India Head - Customer Experience) before joining Fortis Hospitals in 2016, to manage Patient Experience for South West Region (10 Corporate hospitals) and now Group Head – Patient Experience (Pan India) for C K Birla Hospitals (Trust Hospitals).
She has been invited as Speaker in many Global CX forums and has won many awards throughout her career journey.
Archna also actively participates in some of her voluntary pursuits in the capacity of Vice Chairperson – Karnataka Health Chapter for ALL Ladies League and Certified Happiness Program Coach for Art Of Living Foundation
Teresa O’Neill is the Director of Solutions Architecture for Natural Language Understanding at iMerit, where she develops custom data enrichment services for natural language understanding technologies. As a researcher, Teresa specialized in grammatical variation in spoken language, language contact in multilingual contexts, and challenges facing low-resource language communities. After ten years in higher education, Teresa cultivated an interest in data operations and impact workforce development as a Solutions Architect. She served as Principal Language Architect at OpenCity and helped bring a voice-based conversational AI assistant to the market in the hospitality industry. She believes that the explosion of voice AI technology into new domains brings exciting new challenges and opportunities for applications to emerging markets
Dr. Chumki Neogi is a well-known professional in BPM industry. She comes with more than 21 years of expertise in running large scale business operations in outsourcing organizations and proven record in delivery and governance. She has also been instrumental in setting up D2C and Alternative Sales Channel verticals for Banks and NBFCs in her career. She is skilled in Operations Management, Customer Relationship Management (CRM), Contact Center Management, and Management Information Systems (MIS). As the ‘’Chief Operating Officer’’ Dr. Neogi is responsible for leading Service Delivery & Operations and deliver excellent customer experience support to EOS’ clientele.
Mr. Kaushik Bose is the Director of Contact Center at Myntra. Mr. Kaushik is a Customer Experience Professional and Operations Leader possessing 20 years of experience in spearheading cross-functional teams and leading large-scale outsourcing centres and in-house operations across New Age and Digital organisations.
In his current role he is responsible for leading the Vendor Managers to deliver excellent customer experience support for Myntra B2C customers in the India region. Also collaborating with 5 outsourced vendor partners and five sites/2000 HC (BAU) to manage customer service delivery across voice support, email, chats and complaints service channels in English/Hindi languages.
Abdullah Saleem, the Group Chief Information Officer at Omni Hospital. Abdulla has almost 25+ years of experience in Healthcare IT domain. He is responsible for developing leadership excellence, creating clinical, business transformation, and managing technology based strategic growth. He has successfully provided the IT transformation support to this chain’s various hospital leadership teams on benchmark-based cost containment, novel revenue growth and databased revenue leak avoidance strategies, leading to more than doubling of unit EBITDAs within six months.
Prior to joining to Omni, he was working with Ohum Health Care Solution Pvt Ltd whereby he was heading the end to end enterprise solution delivery and deployment for public & private sectors for India, USA, Europe & Gulf countries.
Gaurav Sadana brings with himself a rich experience in Banking and Insurance industry spanning beyond two decades. At Bajaj Allianz Life Insurance, Gaurav is the driving force behind Renewal and Persistency. Also, he spearheads the team which is at the core of refining and driving Customer Experience organization vide. Under his leadership, Bajaj has created distinguished place in Life insurance Industry as a rapidly evolving organization in digital customer experience space.
Ashwin is very passionate about technology and how it will drive the way businesses connect with their customers. Following his passion for technology, he founded Automation consulting firm in 2012 with a vision to help organizations adopt software automation the right way.
Ashwin Guptha currently, heads the Conversational AI practice for PwC, India. He has over 15 years of experience in customer service, front-office operations and driving technology led customer experience transformations for large Indian and Global corporations.
Having successfully led largescale innovative programs he advises customers from strategy through execution by helping them adopt the right platform, build frameworks and methodologies required to execute large programs effectively. He is a strategic consultant for organizations looking to adopt Conversational AI with a focus on experience and efficiency.
Mr. Aman Duggal is the Senior VP of Head of Service and Client Experience, Affluent Banking at IndusInd Bank. He has 19 years of BFSI experience across multiple roles and responsibilities in global and Indian organizations. Mr. Aman has achieved impact making and breakthrough accomplishments that have contributed to my organization's spectacular growth story. He also played anchor role in startup and scale-up of new business segments that become significant P&L drivers. Mr. Aman’s garnered expertise across Wealth Programs, Service Delivery, Digital Solutioning for Client Experience and Sales Enablement, Process Redesign, Customer Segmentation, Change Management & Adoption, Channel Development and Performance Management.
Abhinav has spent 15+ years with Insurance and Strategy consulting firms like AXA XL, Boston Consulting, and Mckinsey & Company, handling a wide variety of topics across most parts of the Insurance value-chain. He’s also spent time advising clients in the broader Financial services space, across US, Western Europe, and south-east Asia.
Abhinav is skilled at designing strategy, transforming it into actions and building ‘high-powered-teams’ to make the strategy an ‘operating reality’ fast! Of late, he’s focused on pulling together a transformation journey for his organization including Heading the Data Transformation, driving broader synergies and standardization, D&I, and climate and sustainability topics.
He is an avid car rally driver, a certified para-glider, and a massive sports enthusiast.
Experienced Sales & Strategy Professional with a demonstrated history of working in the Internet industry. Currently leading sales as Director of sales - India at Verloop.io, enabling companies to automate customer interactions and build future-proof customer engagement/ support channels with Conversational-AI.
Skilled in Consultative Selling, Team Management, and Strategic Process Planning & Execution; she's been instrumental in driving sales across companies like Swiggy, LinkedIn, and Mettl prior to Verloop as well.
Priyaah Sundaraam heads customer relations at IndiGo. A graduate of Welcomgroup Graduate School of Hotel Administration, Priyaah carries more than 22 years of customer service experience in aviation and hospitality. She has been associated with IndiGo since its inception and has been instrumental in the overall growth of the airline. She has played a critical role in creating short-term and long-term business strategies, including service standards and operational policies. Her expertise lies in upping customer experience & ensuring customer delight, contact center operations, business excellence through a robust feedback mechanism, automation, and innovation.
Priyaah, in her current role, manages all interaction via communication channels like contact center, email process, live chats, Social Media & measures Customer Experience for the organization.
Rightfully, Priyaah is customer experience obsessed. Customer service for Priyaah is not a department but an attitude. It’s about empowerment, promoting positive behavior with enhanced decision-making skills & clear communication. She has made it easy for customers to reach out to IndiGo – anytime, anywhere.
Away from the profession, Priyaah believes in alternative healing – she is A Grand Master reiki therapist & is a marathoner too!
Vishwanath is a DeepTech entrepreneur with a decade of academic and applied research experience in Computational Linguistics. Vishwanath has been a vocal champion of the new age conducive policies for Indic language & voice technology companies at various government, academia & industry think tanks. He's on a mission to enable uniform customer experience in every interaction through Saarthi's multilingual call centre AI agents deployed in contact centres across different verticals
Zolzaya works as a Partnerships Lead at what3words, a voice-first address solution. It has divided the world into 3 metre squares, and given each square a unique 3 word address. Everywhere in the world can now be found and navigated to by saying 3 simple words. what3words Voice has intelligent error detection that helps users identify and correct input mistakes, and results can be clipped to a certain area, offering unrivalled voice accuracy for location input. what3words' partners include Mercedes-Benz, Tata Motors, TVS Motor and many emergency services across the world.
Uthaman believes in the saying, “The way you make your customers feel is just as important as what you offer.” Uthaman has helped several organizations in India enhance their customer experience through creative usage of cloud technology coupled with intelligence and seamless integration in the last five years.
He has helped migrate more than 30000 agents to work from home during the pandemic. He runs a profitable technology company that works with some leading organizations in the banking, insurance, healthcare, BPOs, ARM/Collections, eCommerce, lead generation, and the automotive space.
Ganesh’s responsibilities span Sales, Marketing, HR, and Finance. He has over 25 years of Technology leadership and Marketing experience in companies such as Texas Instruments and IBM. Gnani’s raison d’être was the result of his desire to build a deep tech company from India. He passionately believes in the vision of Indian tech companies competing in the global market.
His hobbies include playing Tennis/Cricket and likes reading science fiction. Ganesh holds an MBA in Marketing and Technology from ISB.
Mr. Mehul is a Product Management executive leader who has led product vision, strategy, definition and development of voice AI platforms that enable developers to add voice to their products. He loves building great, innovative products that delight all users. He is Vice President of Products at Deepgram, the world's most accurate Speech Recognition platform. Prior to that, Mehul was Director at SoundHound for the Houndify Voice AI platform. Prior to SoundHound, Mehul co-founded two startups, focused on applying AI and Machine Learning to build enterprise solutions. Mehul was also the Director of Product Management in VMware’s End User Computing Business Unit where he led product strategy, definition and delivery of new and innovative product line, Horizon Application Manager. Additionally, he has worked in a variety of technical and management roles at technology companies including Adobe, Intel and Digital Impact. Mehul is a regular speaker at industry conferences and customer panels. Mehul holds a M.S. from Stanford University and B.S. from University of California Davis.
A seasoned professional with experience across ConsumerTech, Financial Services, Payments, Management Consulting with proven knowledge of entrepreneurial leadership & cross-functional team building, business development, business transformations, and strategy design. Adept at building and managing multi-functional teams and working with multi-regional teams.
Currently leading Digital Experiences for Uber CommOps in APAC enabling delightful customer experiences.
Nitin is a Conversational AI Product Owner for Tech Mahindra’s IP Platform - Sayint. He has 8+ years of Management experience in Product Development Life Cycle, Business Strategy & Planning.
He has been a Business and Technology Leader and has Co founded Tech Start ups as well as led teams in Corporate environment. With Cross functional and diversified experience across verticals such as BFSI, HealthCare, Retail and Consumer Tech, he is currently using this exposure to develop and implement solutions in Conversational AI across various industries.
Recruitment professional with over 7 years of work experience in managing and building winning teams. I have proven experience in recruiting, building, and managing the talent acquisition teams in product and platform development company focused on telecom domain. My experience pans across hiring for senior leadership, senior tech roles, Sales hiring’s,university/college hiring, driving diversity and inclusivity hiring programs, managing recruitment programs, operations, and systems.
Mr. Anuj Gupta, the Chief Strategy Officer of ICCS. Mr. Anuj has a wealth of strategic and entrepreneurial talents, having worked in a range of functions and industries such as FMCG, FMCD, Banking, and KPO.
He is in charge of all strategic choices made by ICCS and has ambitious intentions to take the company to new heights and vistas.
Mr Anuj, a management graduate with an economics degree, has also created and sold two businesses. He is now working with three startups as a mentor. He believes that while enthusiasm is necessary for running and maintaining a business, emotions should be avoided at all times because they might complicate problems.
Customer journey champion with over 20 years of experience in solving customer experience challenges. Suresh has spearheaded tech-support programs for brands like Apple Computers, Intel, Flipkart, Meesho, Yes Bank and many more. He's working as the Global Head of Transformation Practice. He has played an instrumental role in developing Mind QA (AI-driven speech-to-text) and MWP (Workforce Lifecycle Management) products.
Gokul Gopalakrishnan is a Head Vice President, Business (Asia) at Uniphore based in Palo Alto, California. An entrepreneurial, techno-business executive officer with 20 years of global experience in customer experience/voice technology with specialisation in Banking, Financial Services, Telecom and Healthcare. Previously, He was the Chief Business officer at Servion, leading the North America and UK region with expertise in digital transformation solutions like Robotics Assisted Automation (RPA), conversational AI, Active/Passive voice biometrics, Speech Analytics across different consumption models.
Kuntal Shah leads the Sales Engineering for Avaya India & SAARC . He has 20+ years of experience in contact center, customer experience Unified Communications industries, working in roles including sales, , systems engineering, Contact Center Sales Specialist , customer success and as the Global Growth Market customer experience lead. Kuntal has deep understanding of customer Engagement Solutions and how they can transform the business for our customer. Kuntal and his team work customers and business leaders and support them to devise digital transformation strategies.
Tanmay is an experienced Management Consultant and Product Manager with 10+ years of experience in managing large scale Digital Transformation projects.
Previously, he has worked with companies like JP Morgan India and HSBC Hong Kong for implementing their Global and APAC Digital projects respectively.
More recently, as part of Bank’s Innovation team, Tanmay has been working with FinTech start-ups to implement their solutions to digitize Customer journeys and automate Bank’ internal processes.
His area of focus has been Conversation AI, Chatbots, Speech Analytics and RPA. He is an alumnus of Hong Kong University and London Business School.
Mr. Nitin Jayan Varkey is a thought leader & currently the Vice President-Strategic Project Management, Organization Excellence & Innovations at Blue Dart. His experience spans over 22 years in the Logistics industry. Prior to his role with Blue Dart Express he has worked with various Business Units of DP DHL and has also worked with FedEx Mumbai.
He is a certified Six Sigma Master Black belt who has run and coached multiple process improvement projects and business excellence initiatives. His expertise expands across various facets of Logistics & Supply Chain Management across the domains of Operations Management, Project Management, Stakeholder Management, Process Improvement, Value Analysis, Operational Excellence, Six Sigma, Quality Management and Innovations.
Rana Gujral is an entrepreneur, speaker, investor, and CEO at Behavioral Signals, an emotion AI and behavioral recognition software company. In 2014, Rana founded TiZE, a cloud software for specialty chemicals, and held the role of CEO until his exit when TiZE was acquired by Alchemy. He has been awarded the ‘Entrepreneur of the Month’ by CIO Magazine, the ‘US-China Pioneer’ Award by IEIE, and listed in "Top 10 Entrepreneurs to follow in 2017" by Huffington Post. Due to his notable thought-leadership in the voice-first community, spearheading digital transformation in the behavioral analysis space, he is recognized in Inc. Magazine as an “AI Entrepreneur to Watch”. His writing can be found in publications such as Inc., TechCrunch, and Forbes.
A Business Management Graduate with varied experience in setting up and scaling Digital Business, leading marketing and retention functions. Dynamic and results-focused sales and marketing leader with a verifiable record of achievement to strategize, plan and ensure successful roll-out of projects in hand.
Harish Srigiriraju is a Principal Engineer at Verizon. He has expertise in leveraging advanced analytics and machine learning to improve software products. He has led several cross-functional projects to draw insights on user behavior and develop new features with help of various analytics tools and models. He has prior experience in software programming and graduated from Kellogg School of Management with an MBA.
Venugopal (aka Venu) is a Coveted leader in the Contact Center/CX space and he is currently Vice President -IT Automation & Transformation @ Concentrix with a mission to infuse technology that drivers better experience for their clients. He is a seasoned, ambitious, self-driven, innovator and a thought leader with an acumen for building teams, strategic planning, business consulting and building Center of Excellence to propel growth and success. He has led many transformational engagements in the CX space globally. He has completed his Masters in Computers from BITS Pilani and very passionate about new technologies and is always eager to explore.
Vipin is currently serving as CTO for Starbucks India. He comes with 18+ years of professional experiences in management consulting, IT services and technology leadership. His experiences pans across multiple industry verticals including retail, QSR, healthcare, banking and telecom, and multiple geographies including North America, South Africa, India, Malaysia, Vietnam and Australia. At Starbucks, he is responsible for leading the technology and digital transformation agenda for the organization including end to end technology stack upgrade and driving the business leveraging new-age technologies. Prior to joining Starbucks, he was head of digital and technology for KFC India, where he led the digital transformation for three plus years including new app launch, POS upgrade and automating the delivery business. With his efforts, KFC had become first QSR in India to launch Alexa ordering skills. During his tenure in consulting, he worked with organizations such as Kearney and Accenture, where he helped multiple clients in defining IT strategies, enterprise architecture, IT operating and governance models and facilitating large outsourcing deals
Mbbs, Ficm, Diploma in Diabetology and Master class in digital health She is a general physician and diabetologist with 20 years of experience,9 years of experience in telemedicine only. She is one of the future 50 clinical leaders in telehealth recognized by HIMSS. Ambassador of telemedicine today Karnataka India chapter and Ambassador Global telehealth exchange. Have received multiple awards in the field of telemedicine and telehealth. She is one of the 20 women achievers in Karnataka state .
Also awarded as the Karnataka Mahila Ratna recently.
Sharad comes with over 21 years of experience across IT and ITES. A hard core sales professional, Sharad comes with rich experience in New Customer Acquisition and Client Relationship Management. With his core skills in Consultative Selling, Team Management, and Strategic Process Planning & Execution; he has been instrumental in driving sales and growth for EOS. He has also been successful in building a strong client base in digital space for eDAS.
Shantanu Bhaduri is heading the platform product group in Exotel - focussing in Voice , Data platform and Telephony Infrastructure . Shantanu is a seasoned professional with 15+ years of experience spanning across Flipkart , Amazon India and Ittiam Systems. His experience spans across Retail , E-commerce , Payments , Warehouse , supply chain , communications domain. His expertise is with strategy partnership,team building , platform scaling , real time communication and Voice AI.
In his current role , he leads a bunch of talented product managers building Platform APIs , Voice streaming , regulatory compliant UL-VNO stack , data platform for rich analytics . Shantanu has deep interest in customer engagement and storytelling and believes a successful product is built when the PM ( the storyteller) builds a depth in the story and details the characters. Shantanu did his masters degree from IIT Bombay with specialization in Microelectronics
Mr. Padmabhushan Bahadure is currently working as a Chief Technology Officer with IDBI Bank and has more than 20 years of diversified experience in IT. He has worked directly and indirectly with various Indian and Global Banks.
Pooja is the Co-Founder & Executive Director of Phonon Communications Pvt Ltd. Her focus on metrics and customer-centricity has built strong client relationships.
Work mode: Karthik heads Global Talent Acquisition for Biocon Biologics and is a truly heart – first leader and a seasoned Talent Acquisition professional with over two decades of progressive and comprehensive international experience in all areas of recruiting with strong business acumen and ROI driven approach and works towards empowering recruitment with AI. He is passionate about making impossible dreams and thrives on disruptive approaches. Karthik holds a Bachelor’s degree in Engineering and has a Post Graduate Diploma in Business Administration from Loyola Institute of Business Administration
Life Mode: A wanderer at heart, Karthik has the mountains in his blood, and enjoys adventure trails and taking wildlife photography. Outdoors, wildlife conservation & angling are personal interest areas. At home, Karthik is a loving dad and a playful pet parent.
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.
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.
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
Ms Faten is a highly collaborative and engaging customer experience passionate with strong communication and management skills demonstrated internally and remotely; effectively working with agents, managers, and executives across all departments.
Having over 15 years of experience, managing teams up to 90+ employees while being responsible for recruiting and interviewing new candidates in different positions in the call center after analyzing the required workforce in every department to achieve account goals. With a sincere passion and obsession for customers' experience, having achieved up to 60% NPS scores and 90% satisfaction scores while maintaining a lean, highly productive operation. Having extensive experience in designing and delivering needed processes and training materials for the call center department based on current gaps, ineffective results or lack of coordination to achieve the company's goals and vision.
A dynamic, highly logical and analytical senior finance management professional with over 8 years of cumulative sold experience in credit control, receivable and collection. Dealing with billions of receivables including B2B, B2C & oversees within dynamic environments through well-known Intl brands and listed companies Tawuniya, AON and currently Medgulf as a Director of Credit Control & Receivable. Leading the implementation of IFRS 9 Financial Instruments and managing four sections Credit Control, Receivable, Corporate Collection, Recovery Collection with a track record of achievements directly linked to P&L.
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.
Ahmed has a proven executive management record and over 8 years successful experience in Sales, Marketing, Strategic and Operations Leadership. His expertise is to lead organization and revamp company images and performance.
Ahmed is a dynamic, results-oriented leader with a strong track record of performance in turnaround and high-paced organizations. Utilize keen analysis and insights and team approach to drive organizational improvements and implementation of best practices. Superior interpersonal skills, capable of resolving multiple and complex (sales, humanresources, legal, finance, operational) issues and motivating staff to peak performance.
Ahmed earned his Bachelor of Science degree in Communication Knowledge Engineering from The Future University Sudan in 2013. Graduated with Latin Honor’s, he came to UAE for higher education and studied Masters of International Business Administration in Wollongong University Dubai. He also studied Diploma of Satellite Engineering in India. ,
Ahmed is currently managing Tafaseel BPO, Tafaseel IT , Salama Healthcare Services , Namaa Agricultural investments , Rannah , Technologia .
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.
Abdulelah Aloshayni is a seasoned Founder, Executive, advisor, and certified trainer in leadership, digital transformation, and technology spaces with over 16 years of extensive experience in helping businesses integrate digital technology into their strategies, operations, and processes. With a passion for breaking down silos and streamlining customer journeys, Abdulelah has successfully guided numerous organizations through the challenging process of digital transformation and technology implementations. Abdulelah earned an executive MBA, providing him with a deep understanding of business strategy, financial implications, and operations. This knowledge, combined with his expertise in technology, has allowed him to develop innovative solutions that drive increased efficiency and profitability. Throughout his career, Abdulelah has worked with companies of all sizes and across a wide range of industries, from healthcare to insurance to financial services to aviation and transportation. His approach is always tailored to meet the specific needs and goals of each stakeholder, ensuring that they achieve their desired outcomes—which led the Ministry of Transport to accomplish the Golden Prize in Open-Source implementations among 144 government entities. As a CEO, Abdulelah is known for his ability to communicate complex ideas in a way that is easy to understand and actionable. He is a trusted partner to his stakeholders, providing guidance and support throughout the entire business growth and transformation programs.
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
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.
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.
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.
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.
Mishal Bin Namshan is an experienced collections and recovery professional with a strong background in the banking and finance sector. As the Head of Collections & Recovery at Tamam, he leads key strategies aimed at optimizing recovery performance, strengthening credit risk controls, and ensuring efficient operational execution across the collections function.
Driven by a passion for growth within the fast-evolving financial industry, Mishal has built a career focused on excellence, continuous improvement, and organizational contribution. He is committed to leveraging his knowledge, leadership skills, and industry insight to support the long-term stability and growth of the organizations he serves.
With a forward-looking approach and a dedication to professional development, Mishal continues to play a vital role in enhancing recovery frameworks and supporting sustainable business performance.
Layla Alaraj is a senior leader in operational risk management, contributing to the strength and stability of Al Rajhi Capital — one of the region’s leading investment institutions. In her role as VP of Operational Risk Management, she ensures that the company’s processes, governance frameworks, and investment services align with industry best practices and the highest standards of compliance, including the guidelines of the Al Rajhi Capital Shariah Board.
Al Rajhi Capital is recognized for delivering high-quality, tailor-made investment banking products and services backed by decades of trusted experience from Al Rajhi Bank. With a team enriched by global expertise, the organization provides comprehensive solutions across Asset Management, Brokerage, and Investment Banking for corporations, companies, and individuals.
Through her expertise and leadership, Layla contributes to Al Rajhi Capital’s mission of offering clients premium, secure, and innovative investment services.
Abeer Albashrawi is a Saudi MBA graduate and a dynamic professional with a passion for innovative thinking, creative problem-solving, and strategic engagement across the business landscape. In her role as VP of Credit Specialties at Marsh Middle East and Africa, she contributes to advancing trade credit insurance solutions while supporting clients in navigating risk and unlocking new growth opportunities.
Known for her out-of-the-box mindset, Abeer thrives in environments that encourage fresh perspectives and boundary-pushing ideas. Her interests span public relations, networking, content creation, entrepreneurship, fintech, and personal development — reflecting her commitment to continuous learning and value creation.
Networking is one of her core strengths and passions, as she believes in the power of building meaningful professional relationships and collaborating with forward-thinking individuals. Her curiosity about emerging technologies, market trends, and evolving business models drives her to seek insights, innovate, and identify new opportunities for impact.
Abeer also enjoys creating engaging and educational content, sharing her knowledge and experiences to inspire others and contribute to the broader professional community.
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.
Noura Hadi Al-Qahtani is a senior executive leader with over 17 years of experience in banking, compliance, quality management, and operations. As of March 1, 2025, she serves as the Chief Executive Officer (CEO) of Mani International Debt Collection Company, where she oversees strategic planning, regulatory governance, and national-level recovery operations.
Her leadership focuses on enhancing operational excellence, implementing advanced digital compliance systems, and driving sustainable recovery practices. Prior to her CEO role, Noura served as Compliance Manager at Mani Company and held several key roles at Riyad Bank, including Branch Manager and Operations Officer.
She is certified in ISO 9001 auditing, AML, and information security, and holds a Bachelor's degree in English Literature alongside a diploma in Human Resources. Known for her strategic mindset, integrity, and ability to lead cross-functional teams, she is regarded as a key figure in financial services transformation in Saudi Arabia.
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.
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.
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.
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.
Mr. Ammar Daghlas brings over 22 years of extensive experience in advancing banking industry development across both central banks and commercial banks. His career is distinguished by iconic achievements in designing sophisticated, high-impact solutions centered on advanced analytics, process optimization, risk management, and organizational development.
His strategic contributions have played a vital role in elevating the performance of key banking functions, including Retail, SME, Corporate, and Real Estate sectors. Known for his ability to align business needs with data-driven innovation, Mr. Daghlas has consistently delivered transformational improvements across operational and customer-facing domains.
Continuing his journey in innovative banking solutions, Mr. Daghlas has significantly influenced product advancement at Pio-Tech, enabling the company to achieve strong competitive advantages. His efforts have contributed to numerous success stories across banks in the Middle East and the African continent, reinforcing his reputation as a leader in shaping the future of banking technology.
Waleed Al Shammari is a seasoned collections leader with deep expertise in financial services, credit control, and risk management. As Collections Director at Al Yusr Leasing and Financing, he spearheads revenue recovery strategies, enhances credit-risk mitigation frameworks, and leads high-performing teams to improve financial outcomes while maintaining strong customer relationships.
His career includes impactful leadership roles in major organizations, including serving as Head of Collections at Deutsche Gulf Finance and as Collections & Credit Control Manager at Medical Care Company in Saudi Arabia. Waleed has also contributed to key financial institutions such as Flexible Murabaha and Samba Financial Group, where he strengthened his expertise in financial analysis, operations management, and end-to-end collections governance.
Recognized for his operational precision and strategic mindset, Waleed continues to drive transformation across collections functions, ensuring stability, customer-centricity, and sustained business growth.
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.
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.
Emad A Ahmed is the Chief Executive Officer of MANI International and a seasoned leader with 28 years of expertise in domestic and international debt collection. His career began at Saudi Awwal Bank (SAB), where he built strong foundations in collections and Retail Risk Management.
He later served as Recovery Manager – Overseas Collections, leading high-impact cross-border recovery operations and establishing efficient, globally aligned strategies. Emad is widely recognized for developing effective international debt recovery frameworks and elevating performance standards across the organizations he has served.
As CEO of MANI International, he continues to drive growth, innovation, and operational excellence across the company’s regional and global collection services.
Samir Gamal is the Chief Technology Officer at Mani and an experienced Back-End Developer specializing in PHP and Laravel. He leads technology teams in building high-performance, scalable systems that support business growth across the company’s operations.
Samir has successfully delivered large-scale digital platforms including debt collection systems, school and hospital management systems, municipality systems in Iraq, law firm management systems, accounting platforms, and HR management systems for organizations across Saudi Arabia and the region. His expertise also includes integrating multiple payment gateways in Egypt and Saudi Arabia to enhance user experience and operational efficiency.
Beyond his corporate role, Samir runs MoraSoft, one of the Middle East’s leading tech YouTube channels with over 19,500 subscribers, helping developers and tech enthusiasts advance their skills and careers.
Mohammed Almutair is a strategic leader with diverse experience in the insurance and banking sectors, specializing in market dynamics, enterprise transformation, and the evolution of collection and recovery functions. He has a strong focus on implementing advanced, data-driven automation that supports client needs, organizational goals, and resource optimization.
As the Director of Enterprise Collection Services at Bupa Arabia, Mohammed oversees nationwide collection and recovery strategies designed to strengthen stakeholder relationships, enhance the cash cycle, and deploy robust technological tools. His leadership contributes to building high-performing teams and elevating client experiences through modern, efficient, and scalable collection frameworks.
Recognized for his forward-thinking approach and operational excellence, Mohammed continues to play a key role in shaping Bupa Arabia’s enterprise collection capabilities and driving measurable business impact.
Lana Abduljawad is a persistent, values-driven leader with 15 years of experience across the financial and investment sectors. Her journey began in healthcare, where she developed a deep understanding of human care, resilience, and compassion—qualities that shaped her transition into financial services and investments.
Lana’s expertise now spans human, green, and carbon investments, financial inclusion, embedded finance, and DeFi. She is committed to advancing contextual, connected, social, green, and human-centric investment models that support sustainable development. As the Investment Services Director at Waseera FinTech Company, she leads strategic initiatives that drive inclusive and future-focused financial transformation.
With more than 18 years of experience across banking, fintech, telecommunications, and digital transformation, Mohamed Fathy is recognized as one of the region’s leading experts in digital banking, lending, and fintech innovation. He has been a driving force behind major digital banking and lending breakthroughs in Saudi Arabia and Egypt—transforming products, optimizing processes, and launching innovative lending solutions that have generated billions in portfolio value and disrupted every market they were introduced in.
Mohamed played a pivotal role in spearheading the development and launch of fully digital lending products for D360 Bank—the first digital bank in Saudi Arabia—setting a new benchmark for fast, seamless, end-to-end digital lending experiences in the Kingdom.
In his current role, he leads Product Development, Transformation, and Innovation at J-B Finance, where he is shaping next-generation digital lending capabilities, redefining product strategies, and enabling the launch of frictionless lending products that drive exponential growth.
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.
Parth Gupta is the Head – GM of Risk Advisory Services at Advanced Financial Solutions, where he leads high-impact risk, decisioning, and advisory functions across multiple financial institutions. Under his leadership, AFS is positioned as a premier Risk and Decisioning Partner, recognized alongside top-tier Gold Partners for its deep expertise in credit risk, portfolio analytics, and strategic decision science.
Parth specializes in transforming risk frameworks, enabling digital decisioning models, and supporting financial organizations in enhancing accuracy, governance, and operational resilience. His work focuses on bridging advanced analytics with real-world lending and collection strategies, helping institutions improve risk visibility, optimize performance, and strengthen long-term portfolio health.
Hussain Aldohaim is a dynamic collections leader with a strong record of success across major financial institutions. As Head of Collections at NAYLA, he has consistently enhanced B2B, B2G, and B2C recovery performance through strategic process optimization, data-driven improvements, and effective team development.
With extensive experience in negotiation and delinquent account management, Hussain is known for building high-performing teams and deploying automation tools that streamline operations, increase efficiency, and significantly reduce bad-debt write-offs. His leadership reflects a commitment to innovation, operational excellence, and sustainable portfolio recovery.
Basheer G. Abhary is an accomplished Risk Management Leader with over 13 years of expertise in governance, enterprise risk management, and compliance across diverse industries in the GCC and international markets. He has a proven track record in building enterprise-wide risk frameworks, leading compliance oversight, and ensuring alignment with regulatory and strategic requirements.
Basheer holds a Bachelor’s degree in Financial Economics from the Hashemite University in Jordan. He is a CMA, CSCA, and certified in Risk Management Assurance (CRMA), in addition to holding the International Certificate in Enterprise Risk Management (IRMCert).
His career spans key roles at major banks in Jordan and leadership positions in risk and governance across multinational organizations. Prior to his current role, he served as Group Risk Manager at Hikma Pharmaceuticals, where he led ERM activities and oversaw Crisis and Continuity Management initiatives.
Currently serving as Head of Risk Management at Al-Watania Poultry in Al Qassim, Saudi Arabia, Basheer continues to drive strategic risk practices and operational resilience. Beyond his professional responsibilities, he is an active member of IMA, IIA, and IRM, and contributes to climate-risk research and steering committees focused on advancing sustainable and modern risk management practices.
Senior leader in revenues and health insurance ( financial Management) in Qassim health cluster with More than 7 years’ experience As Head of the Denial and Collection Unit at Qassim Health Cluster, I established the Revenue Cycle Management Unit, creating foundational workflows, policies, and operational frameworks to enhance efficiency.
Thamer Fahad Al Anazi is a seasoned Credit and Collection Executive with over 16 years of experience in managing and optimizing credit and collection operations. He holds a Master’s degree in Risk Management and has deep expertise across the entire credit life cycle, portfolio management, and financial risk mitigation.
Thamer has a proven record of leading cross-functional teams, streamlining processes, and implementing high-impact strategies that strengthen credit controls, reduce delinquencies, and improve collection performance. His leadership focuses on enhancing operational efficiency, improving cash flow, and reducing non-performing loan (NPL) rates to support strong financial outcomes.
Committed to operational excellence, he continues to drive bottom-line value by boosting recovery rates, minimizing credit risk, and ensuring the financial stability and growth of the organizations he serves.
Abdullah Al Harbi is an award-winning Saudi writer, director, and producer, and the Founder & CEO of Two Side Media Production. His work spans commercials, documentaries, and cinematic productions, earning him recognition as one of the creative voices shaping Saudi Arabia’s modern media landscape.
He is best known as the author and head of the writing workshop for the acclaimed series “The Father’s Ceiling”, and as the producer and director of the viral documentary “A Homeland Its Glories Documented”, which tells the story behind the naming of the Kingdom of Saudi Arabia—garnering millions of views and widespread appreciation.
His portfolio also includes directing the STC Bank Smart Savings Campaign advertisement, producing and directing major national projects such as the identity launch for the Supreme Authority for Industrial Security, and numerous high-impact media works that reflect Saudi Arabia’s cultural depth and creative progression.
Driven by a passion for storytelling, Abdullah believes that “we write stories, and God writes our destinies,” a philosophy that continues to guide his creative journey.
Faisal Hejazi brings over 16 years of expertise in credit assessment, risk mitigation, and strategic portfolio management. As the Head of Credit and Risk at Tabby, he plays a vital role in shaping the company’s BNPL (Buy Now, Pay Later) risk frameworks, ensuring policy implementation, operational excellence, and alignment with key performance indicators.
His experience spans credit strategy, performance optimization, and the development of risk controls across diverse financial platforms. Faisal is recognized for his ability to build data-driven credit policies, enhance decision-making processes, and drive sustainable portfolio growth while maintaining strong governance standards.
Majed Al Jeneny is the Chief Credit Officer at STC Bank, bringing over 25 years of progressive leadership in banking, credit, and risk management. He is a recognized expert in credit and collection strategy, enterprise risk management, and regulatory compliance, and serves as an active member of the SAMA Banks CRO Committee.
Majed has successfully led major digital and AI banking transformation programs, portfolio optimization initiatives, and enterprise-wide risk projects across multiple geographies inside and outside Saudi Arabia. His leadership is defined by a focus on innovation, operational excellence, and sustainable growth across complex financial portfolios.
Taleb Bin Taleb currently leads governance and transformation initiatives within collection operations retail and MSB at Al Rajhi Bank, driving innovation and efficiency in retail risk management. With deep expertise in governance, compliance and audit with SAMA regulations, and credit policy, he ensures alignment with organizational goals and regulatory standards. Previously, Taleb played a pivotal role in establishing Emkan Finance, a key subsidiary of Al Rajhi Bank, demonstrating his ability to deliver strategic initiatives. His commitment to operational excellence and enhancing customer experience positions him as a thought leader in credit and collections. Taleb looks forward to sharing his insights at the 5th Edition Credit & Collections Summit Saudi Arabia 2025.
I’m a senior credit and collection leader with a track record of driving financial health through strategic risk management and effective collections strategies. I combine deep financial analytics with practical, proactive solutions to improve cash flow, reduce risk exposure, and shape robust credit policies. My leadership approach centers on building high-performing teams, setting clear performance metrics, and fostering continuous growth. The result is consistent delivery of measurable financial results and strong support for long-term business growth.
Head of the Shariah advisory department at a leading financial institution, and a recognized legal and Shariah expert serving multiple prominent law firms. Brings extensive expertise in Islamic finance, regulatory compliance, and legal advisory across high-impact financial and corporate cases.
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.
ounis 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.
Mr. Talal Al Balushi is Senior Vice President and Head of Collection & Remedial management @ Sohar International Bank , hold MBA, TOT. A competent professional with over 18 years of rich experience in the area of Asset based financing, Banking, litigation Support,Process & Team management and Client Relationship Management
Mohamed Jawad is the Chief Financial Officer at Oman Qatar Insurance Co. SAOG, one of the largest composite insurance companies in Oman. With 14 years of extensive experience in the financial sector, Mohamed has developed expertise in Financial Operations & Reporting, Insurance, Auditing, Treasury Management, and Investments. Throughout his career, Mohamed has demonstrated exceptional leadership and strategic acumen, serving as a key member on various boards and committees within the Finance & Investment industry. His contributions have been pivotal in steering financial strategies that align with organizational goals, ensuring robust financial health and compliance. Mohamed holds a Master’s degree in Professional Accountancy from the United Kingdom and a Bachelor’s degree in Accounting from Sultan Qaboos University. His commitment to continuous professional development is evidenced by several additional qualifications that enhance his financial expertise. In recognition of his outstanding contributions to the insurance sector, Mohamed was honored as the Best Insurance CFO in Oman for the Year 2024 by the Global Banking & Finance Awards®
Gabor is an economist with a strong background of banking technology. Spent 5 years as a university teacher at Budapest Economic University and have worked for Erste and Intesa banking groups, both in business and tech areas before switched to the banking software solutions provider side, especially focusing automating the credit lifecycle. During the last two decades he has lived in Riyadh and Dubai for a few years and has worked in 40+ countries of 4 continents helping the financial sector to improve their collection and credit risk related processes and technology solutions. Since 2020 Gabor is running his own advisory activities, sharing time between Middle East and Europe.
Khalil Al Harthy is an experienced leadership practitioner with a demonstrated history of working in the financial and management consulting industry. He is skilled in business planning, operations management, HR consulting, coaching, and entrepreneurship. From 1992 to 2003, he worked as a portfolio Manager for the Central Bank of Oman and from 2003 to 2010 as Assistant General Manager for Al Ahlia Insurance Oman. In 2010, he co-founded the Performance Factory, a management consulting firm. He joined Credit Oman SAOC which is Oman’s ECA on 2019 till date as a CEO. He holds a bachelor’s in finance from the University of New Orleans with a double-minor in MIS and management, insurance professional certification, and fellowship in International Compliance Association
My working with manufacturing companies in the region for around 35 years, has helped in gaining experience in financial management and strategic roles. Trade Finance, Receivables management, Risk Management, Cash Management, Budgeting, ERP system optimization have been the principal areas of expertise during the 12 + years of working as a CFO. During this period, I also had HR, IT, Procurement, Stores, and planning department heads reporting to me and have worked closely with the CEO / Executive Chairman on strategic planning and advisory roles. Aluminium & Currency Hedging, Interest Rate Swaps, General & Credit insurance, Optimization of liquidity, helped in preventing and mitigating the impacts resulting from uncertainties & volatility in the current challenging times. Supporting the CEO in the transformation and streamlining initiatives at Balexco has helped in fortifying the company's position. Collaboration with the collection, sales and planning teams helps in optimization of collection process. Setting adequate criteria and control measures along with rigorous follow-up helps in avoiding or minimizing the loss from Bad Debts. Insuring the receivables or securing them through trade finance options are other useful tools for overcoming the risk of non-payment. Chartered accountant Bahrain Aluminium Extrusion Co (Balexco) BSC Closed – CFO from 2017 Group CFO -Awal Plastics WLL -Group CFO -2015 -17 From 1989 at Midal Cables Ltd -GM, Finance & Administration from 2011- 15
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.
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.
Stefan Cohrs is a Senior Vice President Cross-border at the EOS Group with expertise in international business. Stefan has excellent communication skills, plus the ability to effectively communicate across cultures. After more than 20 years in the car financing industry, working in management positions for banks, Stefan joined the EOS Group in 2015 and is significantly involved in the successful development and expansion of the Cross-border business.
Certified International Credit Professional from the Finance, Credit & International Business Association. CICP (FCIB USA), MBA (Risk & Finance) B.COM
Expertise: Credit & Collection management, People management, Cash Flow Expert.
Total Experience: +15 Years of Extreme Experience in Credit, Collections, B2B & B2C
Industry Exposure: Consumer Credit Banking, Integrated facility management, Catering Services, Building & Construction, Trading of Agricultural & Kitchen Equipment’s, Automotive industry
As the Unit Head of SME at BankDhofar, I lead a team of professionals who provide banking and credit solutions to small and medium enterprises across various sectors and industries. With over 13 years of experience in the banking industry, I have developed strong analytical, management, and financial risk skills that enable me to deliver value to our clients and stakeholders.
I have a MSc in Finance from the University of Strathclyde and a certification in Commercial Credit from Moody's. I also have expertise in both Islamic and conventional banking, having worked as a Unit Head of Wealth Management Credit Relations and a Relationship Manager of Large Corporate at Alizz Islamic Bank. My mission is to support the growth and development of SMEs in Oman and the region, leveraging my knowledge and experience in Islamic and conventional banking and finance.
Head of Credit Control, MIS & Projects – SME & Mid Corporates, Bank Muscat
Over 18 Years of Expertise in Risk Management, Portfolio Management, Credit Collections in SME & Business Banking.
Errol Pereira is a seasoned Credit Risk Professional with over 15 years of extensive experience across the banking sector in both India and the Middle East. Currently, he leads the Credit in SME & Mid-Corporate portfolio at Bank Muscat, managing a $700 million USD portfolio across the Middle East. He plays a pivotal role in ensuring the financial health and risk mitigation of the bank’s SME portfolio, leading initiatives focused on credit control, MIS, and strategic SME automation & digitization projects.
Key Achievements at Bank Muscat
Previous Roles in India
Errol’s career began in India, where he held leadership positions at prominent financial institutions including HDFC Bank, IndusInd Bank, DCB Bank, and Yes Bank.
Technological Contributions and Innovations
Throughout his career, Errol has been passionate about leveraging technology to enhance risk management.
In recognition of his expertise, Errol Pereira continues to lead and inspire in the fields of credit risk and financial management, driving innovation and stability across Bank Muscat's SME portfolio.
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, HewlettPackard (HP) and Saad Hospital.
Chairperson and key speaker on the 2nd Annual Kingdom Credit Management & Collections meeting (Riyadh) 15-16 OCT 2018
Board Member of the Omani Lawyers’ Association from 2016 until now. His work experience from 2004 and until date has specialized in commercial law, corporate and company matters and specifically the financial field and conducted many suits for banks and finance companies at all stages and has a great knowledge of the banking and banking operations, and expert of accounts and how to calculate where it benefits. Practical experience achieved from different law firms and financial companies like United Finance Co. as Legal Officer for 6 years and National Finance Co. as Legal Collection Manager for 1 year. A certified arbitrator from Geneva Arbitration Centre.
Specialized in Industrial Credit with working experience in banking, Credit Insurance, Collection & Recoveries for more than 30 years. One of the founders of Export Credit Insurance Agency know as Credit Oman SAOG . Remarkable roles in strategic planning, risk management, collection.
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
An impeccable and progressive professional with more than 25 years of comprehensive experience in management and leadership roles with vast knowledge in areas of Collections, Legal Recoveries, Call Centre, Customer Service and Operations including Mortgages. Tenacious and thorough in approach, astute in formulating optimal strategy for each credit portfolio; maximizing credit recovery. Innovative thinker with extensive experience with large financial institutions such as ENBD Group (Emirates NBD, Emirates Islamic & Tanfeeth), HSBC, AND Amro, Mashreq & RAK BANK.
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
Ms Faten is a highly collaborative and engaging customer experience passionate with strong communication and management skills demonstrated internally and remotely; effectively working with agents, managers, and executives across all departments.
Having over 15 years of experience, managing teams up to 90+ employees while being responsible for recruiting and interviewing new candidates in different positions in the call center after analyzing the required workforce in every department to achieve account goals. With a sincere passion and obsession for customers' experience, having achieved up to 60% NPS scores and 90% satisfaction scores while maintaining a lean, highly productive operation. Having extensive experience in designing and delivering needed processes and training materials for the call center department based on current gaps, ineffective results or lack of coordination to achieve the company's goals and vision.
A dynamic, highly logical and analytical senior finance management professional with over 8 years of cumulative sold experience in credit control, receivable and collection. Dealing with billions of receivables including B2B, B2C & oversees within dynamic environments through well-known Intl brands and listed companies Tawuniya, AON and currently Medgulf as a Director of Credit Control & Receivable. Leading the implementation of IFRS 9 Financial Instruments and managing four sections Credit Control, Receivable, Corporate Collection, Recovery Collection with a track record of achievements directly linked to P&L.
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.
Ahmed has a proven executive management record and over 8 years successful experience in Sales, Marketing, Strategic and Operations Leadership. His expertise is to lead organization and revamp company images and performance.
Ahmed is a dynamic, results-oriented leader with a strong track record of performance in turnaround and high-paced organizations. Utilize keen analysis and insights and team approach to drive organizational improvements and implementation of best practices. Superior interpersonal skills, capable of resolving multiple and complex (sales, humanresources, legal, finance, operational) issues and motivating staff to peak performance.
Ahmed earned his Bachelor of Science degree in Communication Knowledge Engineering from The Future University Sudan in 2013. Graduated with Latin Honor’s, he came to UAE for higher education and studied Masters of International Business Administration in Wollongong University Dubai. He also studied Diploma of Satellite Engineering in India. ,
Ahmed is currently managing Tafaseel BPO, Tafaseel IT , Salama Healthcare Services , Namaa Agricultural investments , Rannah , Technologia .
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.
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.
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, HewlettPackard (HP) and Saad Hospital.
Chairperson and key speaker on the 2nd Annual Kingdom Credit Management & Collections meeting (Riyadh) 15-16 OCT 2018
Badr Alyamani is a seasoned leader with an illustrious 13-year career spanning Debt Collections, Credit Risk, Procurement, Contracts Management, Project Management (PMO), and Finance Digital Transformation. Having dedicated over 5 years to the National Commercial Bank (now SNB), he has been a pivotal part of Bupa Arabia since 2016, currently serving as the Director of Finance Support Services.
Badr has actively championed the integration of advanced technologies in digitizing collection and credit departments through strategic implementation of process automation, sophisticated credit scoring and collection behavioral models, and predictive auto dialer systems.
Badr has adeptly overseen significant operation centers, managing multibillion-dollar receivables and multimillion-dollar CAPEX and OPEX expenditures.
His accolades include recognition for team inspiration, operational excellence, and the delivery of exceptional client experiences, contributing to substantial and unparalleled business growth.
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.
Hussein Shohdy is an Internationally Certified Credit & Collection professional, with over 23 years of operational & leadership experience. Most recently, leading the Credit Management transformation at Bupa Arabia and earlier at G4S & Mobily in Saudi Arabia. Previously worked at MobiNil, TechData, Etisalat Misr, EFG Hermes (Asset management) and is a well-rounded expert who has developed and implemented agile Credit Mgnt and Collections strategies whilst holding full organizational responsibility and accountability. He earned his MBA from NYIT. Additional expertise in developing and leading high-performance teams, while working across the Middle East in Egypt, Kuwait, UAE, and Saudi Arabia. He strongly believes and lives by this quote: �What we do for ourselves dies with us. What we do for others and the world remains and is immortal' - Albert Pike
Abdullah Mukhtar is a professional with over 18 years of Collection and recovery operation & leadership experience in customer care for both sectors B2B and B2C. Now leading the collection and recovery at the Saudi mining company and Previously worked at ( Bupa - Mobily - King Abdullah economic city - Al Rajhi holding ( Real estate - Industrial ) expert who has developed and implemented collection strategies and policies (Insurance - Telecommunication - Real estate - Mining ). with a degree in ITC Additional expertise in developing and leading high-performance teams in KSA.)
Waleed is an Industry Expert with over 22 years in Operation Management, Collection Dept., Credit Dept., Team Building and Training, Complaint Handling and Resolution, Cost Reduction Strategies. 15 years as Dedicated Admin Executive operation and credit management, experience in admin process of marketing and sales, credit banking, and dealing with internal and external suppliers. Consistently achieve high record in budget, improvements to the bottom line and turnaround of underperforming operation as worked at SAMBA financial group and ALISSA group in ALYUSR Installment Company. 12 years experience in Credit, Individuals and Companies National Medical Care Co., Morabaha Marina Finance Company, SAMBA)
ounis 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.
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.
Dr. Mohamed Mahmoud Mahran is a distinguished legal professional with a robust background in law and an extensive career as a legal consultant. Graduating from the Faculty of Law and Political Science in 2009, he has since become a renowned expert in various branches of law, solidifying his reputation as a leading international law professor.
Despite his relatively young age, Dr. Mahran has achieved notable recognition for his expertise in conflict resolution and arbitration. He possesses a wealth of experience, having served in front of arbitration bodies such as the Dubai International Arbitration Centre (DIAC) and holding the esteemed position of State Lawyer in the Arab Republic of Egypt. Additionally, he is a member of the Arab Union for the Protection of Intellectual Property Rights and has earned a Ph.D. in Law from the University of Alexandria.
Dr. Mahran's academic prowess extends to multiple degrees, including a Master's in General Law, diplomas in Arbitration, Public Law, Administrative Sciences, and an MBA. His commitment to continuous learning is evident through various specialized courses he has undertaken.
As a founding member of the Arab Union for International Arbitration, a member of the American Society of International Law, and the European Society of International Law, Dr. Mahran actively contributes to the global legal community. He serves as the Secretary-General of the International Committee for the Defense of Water Resources (ICDWR) and lectures at the Faculty of Law at the University of Alexandria and other institutions.
Dr. Mahran is not only an accomplished academic but also a sought-after legal consultant for numerous entities. His expertise has been featured in various television interviews and daily press dialogues, further solidifying his standing in the legal field. To explore more about Dr. Mohamed Mahmoud Mahran, the distinguished professor of international law, you can find additional details through online searches and references.
Specialized in Industrial Credit with working experience in banking, Credit Insurance, Collection & Recoveries for more than 30 years. One of the founders of Export Credit Insurance Agency know as Credit Oman SAOG . Remarkable roles in strategic planning, risk management, collection.
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.
Hassan Musalli, a Seasoned professional experienced in both Corporate Credit Banking and FMCG industries, with previous experience in Credit Documentation in FAB (first Abu Dhabi Bank, UAE)., and various FMCG companies (AMS Baeshen, PepsiCo, SADAFCO, KSA) Currently Mr. Hassan positioned as Head of Credit department on SADAFCO JSC, with 12+ years of experience on credit, Mr. Hassan gained the level of professionality on understanding the collection recovery cross markets and Legal requirements to protect organizations’ assets and credit sales, and give a strategic decisions from commercial finance point of view. His leadership style and skills proven to position his team at best practice for team building, develop and improve team skills, motivating and encouragement the team awarded him to be nominated to 'Outstanding Leadership Award' MoRE 2.0 Conference. Mr. Hassan graduated with an honorable degree on Business & commercial studies – Accounting & Finance (Double Major) from Liverpool, UK.
Philippe Lescroart is a seasoned professional in the field of sales and data management, currently serving as the Head of Sales at Cedar Rose in Dubai, UAE. Philippe's career reflects a strong track record of leadership and expertise in sales management, contract negotiation, and data analysis across various industries and regions.
Before joining Cedar Rose, Philippe worked at Moody's Analytics from March 2019 to December 2022, where he served as a Data Sourcing Manager for Global Datasets. In this role, Philippe managed over 50 information partners worldwide and led the customization of a contract management platform (Birdseye), showcasing his ability to leverage technology for business optimization.
Philippe's career in sales began in earnest at Bureau van Dijk where he held various key positions from January 1997 to February 2019. As the Sales Manager of the Middle East, Country Manager for Switzerland and later as the Regional Sales Director, he demonstrated a keen understanding of customer needs and market dynamics in the European and Mediterranean regions. His responsibilities included leading sales strategies for Belgium, Luxembourg, Switzerland, Liechtenstein, and parts of the Mediterranean.
With a career spanning over two decades, Philippe Lescroart exemplifies dedication, skill, and a forward-thinking approach to sales and data management. His diverse experiences and commitment to mentoring the next generation underscore his leadership in both professional and community spheres
Sachin Seth oversees the overall business of EbixCash Financial Technologies as a Managing Director and CEO as well as Non-executive director of BSEEbix JV He has over 27 years of expertise in banking, insurance, payments, wealth management, and NBFCs in India and overseas markets. Prior to this, he was a Partner at Ernst and Young LLP (EY), where he led the financial services sector's Digital and Fintech practice. In a comparable profession, he worked nearly a decade at IBM Global Business Services.
Adam originally graduated in Finance at the Budapest University of Economics. He did his MBA in the United States at Eastern Illinois University in 2001 and became a CFA charter holder in 2004. He worked as a credit analyst at Cole Taylor Bank in Chicago in 2002 and 2003, then between 2003 and 2005 he worked as a senior risk management analyst at the Chicago Mercantile Exchange. Adam joined Loxon in 2005. Since then, he has mostly focused on the collection product line of Loxon and has gained experience from a wide range of collection project implementations in Europe, Asia, and Australia.
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.
Serial Entrepreneur | Transformation Business Leader | Sustainability Enthusiast | Investor | Opportunity and Talent Architect|Mentor | Key Note Speaker @COP28 | Lifelong Learner @Hult Business School, @Stanford University, @LSE
Ankur Srivastava has a decade+ expertise in setting up tech-driven debt collection businesses both in India and Europe. He has hands-on experience in deploying tech solutions for collections life cycle management and financial literacy. He is currently the Chief Business Officer at Creditas Solutions.
Career Highlights:
Sagarika acts as the CEO to IIRIS and comes armed with both legal and risk mitigation strategies. She has niche experience in risk and investigative practice and has worked on diverse engagements dealing with security management, risk advisory, fraud investigations, financial analytical services, integrity due diligence, strategic business intelligence, commercial due diligence, and brand protection. Her key area of interest lies in risk advisory, analysis of behavioral sciences, and homeland security and she has also acted on the Advisory Board of Gujarat Forensic Science University.
Sagarika has acted as the Chief Security Officer for Mumbai Film Festival since 2015 and has also led various executive protection and risk mitigation exercises for various companies including Disney, Netflix, Anand Group etc. She has also led assignments pertaining to geopolitical risk advisory and risk mitigation mapping for various corporate travelers.
Sagarika is an experienced trainer and has trained various corporates on topics pertaining to POSH, Employee Grievances, Gender Sensitization, Basics of Investigations, Vigilance and Surveillance, OSINT, Due Diligence, Fire Safety, Employee Safety / Safety at Workplace, Trainings against Drug Abuse, Body Language, Homeland Security, Crisis Communication, etc.
Stefan Cohrs is a Senior Vice President Cross-border at the EOS Group with expertise in international business. Stefan has excellent communication skills, plus the ability to effectively communicate across cultures. After more than 20 years in the car financing industry, working in management positions for banks, Stefan joined the EOS Group in 2015 and is significantly involved in the successful development and expansion of the Cross-border business.
Kjell is Head of gen AI and Transformation at Cirruslabs. Kjell was a co-founder of ING Direct USA disrupting the banking industry and got to ring the bell on NYSE due to being the fastest bank to 1 Million mobile customers. Capital One acquired ING Direct and Kjell was head of mobile and emerging tech focused on transforming the culture from analog to digital while building a new mobile platform for 45 million customers. He has won awards from Apple, Wall Street Journal and Webby Awards. As an advisory consultant to executive level management at Fortune 500’s across many industries and Globally, Kjell has planned, launched & operated Global A.I. & digital Factories and built supporting ecosystems. Kjell is a certified Digital Disruptor from Harvard, certified in AI Strategy from MIT and certified in human centered design from Stanford with an MBA from Thunderbird. When not volunteering at his local STEM academy, Kjell also likes to cook meals for first responders and shoot sporting clays.
Armin Anklesaria is Head of Domain Consulting Practice at EbixCash Financial Technologies. Having been associated with BFSI segment for close to three decades he has deep domain knowledge of the finance industry, both domestic and international. He works closely with the Finance and Operations teams and designs strategies to enrich the functionality of the Product suite. Armin is an alumnus of Wadia College, Pune and a certified Chartered Accountant from The Institute of Chartered Accountants of India.
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.
As the CRO of SKIT.ai, Gangadhar Kodandaram is responsible for building a world-class sales team, executing sales priorities, and spearheading global expansion plans into APAC and US geographies. He has a proven executive management track record and over 17 years of experience in sales and strategic partnerships; he is also an advisor to start-ups and serves as Hon Director at Make-A-Wish foundation. Before joining Skit.ai, Gangadhar was the Director - Ent Commercial - Healthcare at Microsoft India. He was responsible for building the healthcare vertical and ran government business for South India, driving AI, Cloud, and Digital Transformation.
Anubhav Rajput is a seasoned and award winning technology transformation leader with over 2 decades of experience and is passionate about digital upliftment and its impact on enterprises. He has been instrumental in leading many tech transformations straddling both business and IT dimensions and delivering tangible business outcomes. He also brings a global outlook having worked in India and several emerging and western markets. Anubhav has been focusing on the interplay of business, technology, design and people to lead from the front. He is currently working as the CIO for Cholamandalam MS General Insurance where he leads technology and digital functions to transform the organization.
I have more than 25 years of experience and out of 22 years in Contact centres worked in major companies like HSBC , IBM , STARTEK , Concentrix and Cognizant at senior positions. Presently working as Global CTO
Shekar is an experienced senior technology professional focused on designing and managing large-scale, enterprise wide digital, automation and technology transformation programs. He has utilized more than two decades of strong leadership, problem solving and technical skills to identify emerging technology trends, define vision and strategy, mobilize internal and external resources, and build strong relationships with business partners and technology vendors.
As a technology executive at Yellow.ai, Concentrix, Peropta, IBM and Verizon, Shekar was instrumental in driving digital transformation initiatives globally across various industry verticals. He has led solution and delivery of Contact Center Technologies including Customer Experience Optimization, CRM Desktop, Network, Hosted Contact Center Infrastructure, Multi-Channel Routing, Proactive Outbound Notification, Speech enabled Self Service, Chat & Email Systems, Knowledge Management Systems, Cross / Up Sell Analytics, and Business Process Automation.
He has successfully managed several high impact, multi-million dollar programs in a global delivery environment, across various industry verticals to strategically transform customer interactions to optimize revenue generation opportunities and to enable operating efficiency improvements. He is able to successfully partner with clients to analyze an organization’s technical and functional needs, and then strategize to create and deliver innovative solutions that enhance growth and profitability. His solutions have helped in resolving multiple technical and business issues with organization wide impact.
Shekar holds a M.S. in Chemical Engineering and an M.S. in Information Management,
both from Arizona State University. He has one U.S. patent and has
published/presented papers in several scientific journals and conferences.
Ajay is 18 years industry veteran with complete IT life cycle implementations along with migrating 20k+ associates from various lines of business of Oracle into their next generation contact center(NGCC). Currently he is Associate Director in FirstSource where he has a diversified and an evolving role, He handles few internal and client facing projects , along with handling partner integration and leading their digitally enabled contact center offering(Aka DECC). He also builds pipeline new feature capabilities for the DECC offerings which include Virtual assistants , Agent Assist, Voice bio metrics, cognitive and NLP capabilities.
Makesh Sankaran has 25+ years of experience in working with tier 1 companies in the BPO industry, like Armsoft. His last major assignment was with Karvy DigiKonnect. Makesh is helping Fusion build business, operations, quality functions for APAC region. At present APAC region is one of the best performing region at a global level for Fusion Group of Companies.
Srinidhi Shrinivasan is the Head of Marketing at Skit.ai. She leads product marketing, demand generation, brand & sales content enablement at Skit.ai. With around 15 years of experience, Srinidhi has built her career on driving transformational chane through an emphasis on relationships, momentum, and impact. Prior to Skit, she was with IBM, Symphony Services and Eka across various marketing disciplines.
Richard Cho is Head of Product at Skit.ai - focused on revolutionizing voice interactions in the customer contact center space. Prior, he held leadership roles in technology, finance, and consulting, including driving digital transformation at Gartner, advising institutional clients on investment strategies for Bridgewater Associates, and leading consulting projects for McKinsey & Company. He has two patents for his work in recommendation systems and technology. He received his AM for Astronomy from Harvard and BS in Physics and Mathematics from NYU.
With an overall experience of 11+ years across data science and analytics consulting roles, Vibhu is currently working as Assistant Vice President at the ‘AI works’ team (The Artificial intelligence team) at Max Life Insurance. He has been working with Max Life since the last 3.5 years. He specializes in understanding critical business problems and developing and implementing AI solutions across the business value chain, leveraging all kinds of AI techniques such as Machine Learning, Deep Learning and NLP using structured and unstructured data (Text, speech). Prior to this, he has worked as a senior consultant for analytics consulting practice at Cognizant, leading marketing to delivery of AI and data science solutions.
Vibhu has a very diversified profile which brings in rich experience of both AI and business leadership. He is a MBA graduate from ISB Hyderabad (2013-14) with specialization in Operations, Marketing and Analytics. He has completed his under graduation as Bachelor of Fashion Technology from NIFT, Bangalore with a specialization in Apparel Manufacturing and Technology (2004-2008). He has successfully completed various hands on data science programs with specialization in Machine Learning, Deep learning and Speech AI. He believes in continuous learning and keeps taking up various courses on platforms such as coursera. Leading cutting edge work in the space of Technology and AI, he has won many accolades individually and for Max Life. He was awarded the Top 40 Under 40 Data scientist awards 2020 by Analytics India Magazine.
Chirag Boonlia, an Engineer plus MBA by profession with 17+ years of varied & enriching IT experience & currently contributing at Embassy Group as Chief Technology Officer (CTO). Having worked on various roles & responsibilities in Business Transformation initiatives transcending across domains, multiple technologies & organizations ranging from established to institutional backed start-ups, Chirag’s accolades speak for themselves.
He has been featured in India’s Frontline IT magazines including VarIndia, Silicon India etc and has also been rewarded amongst the ‘Top 100 Retail Minds’ in the country & featured as ‘Icons of the Digital Era’.
He’s had a distinguished career, having worked with marquee organisations such as Infosys, Oracle, JSW, Aditya Birla Retail, Virtuous Retail with experience transcending across Real Estate, Retail, Warehouse Management, Stores, Real Estate, Malls, Hotels, Co-Working Offices, Food courts etc.
He is an active speaker at multiple forums & Technology platforms & business mentor to AP Innovation Valley based start-ups & multiple early stage start-ups.
I am a doctor turned astute management professional with experience across functions to optimise the value chain of business in Healthcare. I have initiated & managed new business verticals, enhanced Market Penetration & Business Growth; managed multidisciplinary cross-functional teams E2E. With exceptional multi-faceted experience in Healthcare Management at top notch hospitals, I have contributed my expertise towards Medical Excellence, Service Excellence, Quality, Sales & Marketing, Information Technology, Vendor Management, Med-Tech, Out-of-Hospital/Home Care Services, Medical Tourism, Operations Management, Brand Management, Training & Customer Service & Human Resource. As a keen observer of market trends, I have been pivotal in driving forces towards expanding markets for running profitable businesses.
I have been fortunate to be mentored by global leaders with a background of Harvard, INSEAD & other ivy league B-schools who have themselves made a mark at corporate giants like GE Healthcare, IBM, American Express, Genpact, Apollo Hospitals, Medanta Hospitals, BLK Hospital, Fortis Hospitals & the Indian Armed Forces etc. I have been groomed to the proficiency of managing business operations encompassing conceptualization & executing strategies for New Sales, Sales Growth in B2B/B2C segments, Meeting Revenue and EBITDA targets. A thorough strategist and implementer with the deftness of laying down strategies & driving teams to ensure successful activation of hospital operations, I am an impressive communicator with honed interpersonal, team building, negotiation, presentation and analytical skills. I have driven Innovation & Change Management that has led to streamlined processes to forecast & drive positive EBITDA margins for the company.
I have mobilised methodologies & processes to achieve Patient Delight through excellent Service Delivery & Recovery. As part of the NABH Core Committee, I have successfully led assessments for Hospitals & Healthcare Providers.
Amit Ambre heads Delivery and Customer Success at Skit.ai; focused on revolutionizing voice interactions in the customer contact center space. Prior, he held leadership roles in sales technology and consulting, including heading enterprise sales at BlackBuck, helping clients drive digital transformation at Oracle and leading consulting projects for McKinsey & Company, across multiple geographies. He is a B.Tech from NIT Calicut and MBA from IIM Calcutta
Hemant Misra is an active researcher in the areas of text and signal processing, speech/speaker recognition, machine learning, healthcare applications and education. He did his MS (1999) from IIT, Madras, and PhD from EPFL (2006). Then he held post-doc positions at Telecom ParisTech, University of Glasgow, and Xerox Research Centre Europe. Currently Hemant is 'VP - Head of Applied Research' at Swiggy.
B-Tech in the field of Information and Communication technology, I started my career with Hewlett Packard Enterprise in 2012, working on the next generation of network switching/routing tech. At Plivo, a CPAAS company, I worked on simplifying cloud telephony and communication for businesses across messaging and voice channels.
From the intricacies of its implementation to its consumer-facing applications, Artificial Intelligence and Machine learning have always been an area of interest for me. Currently, I am working with a highly adept team at Yellow.ai to deliver the next generation of Conversational Voice bots to help optimize and automate enterprise-consumer interaction.
On weekends you will find me playing basketball and my ideal vacations usually revolve around scuba diving.
Professional with More Than 19 Years rich experience in Banking, Telcom, IT / ITES, Utility & E Commerce Industry
An effective leader with experience of managing sizeable teams, with capability to motivate Sales, Operations, HR Teams , Development Team to enhance their performance and contribution levels.
Rich exposure in setting up & scaling viable business models .Managed complexities of rationalization involving people, product & infrastructure.
Target Oriented with proven managerial acumen backed by focused energies fostering business growth, increasing market share, promoting and creating brand awareness and competition analysis and overall target achievements.
Ever since I started working, my goal has always been to stretch the limits of excellence and outdo my best every single time. I firmly believe in directing all my activities towards enhancing the bottom line effectiveness of my organization & Lead organizational success. I also attach great importance to business Values & ethics and propagate the same to my associates and colleagues.
Extremely Strong in Relationship Management building TRUST, CONSISTENCY in Performance and Long Term thinking. Ability to connect with Business Partners and providing them suitable business solution.
Strong Entrepreneurial skills combined with the ability to think laterally and out of the box.
Successful in building relationship with senior decision makers, product heads, business heads in making decisions to increase revenue and reduce cost both Internally & for Business Partners.
Ravinder Pal Singh (Ravi) is Harvard Alumni, Award Winning Technologist, Professor of Innovation, Rescue Pilot, DeepTech Investor and Global speaker with several hundred global recognition and patents. His body of work, mostly 1st in the world is making difference within acute constraints of culture and cash via commodity technology. He has been acknowledged as Person of Year, world's top 10 Robotics Designer, #1 Artificial Intelligence Leader in Asia and world's top 25 CIO. Ravi is active in India, USA, Singapore, Scotland, Mexico and Africa thru advisory, co-creation, hackathons and innovation funding to create mass-entrepreneurship at grassroots across rural, towns and cities. Over a decade as investor he has mentored and managed successes and failure with a net portfolio gain of over 22X ROI. Ravi continues to serve various international agencies by flying several hundred hours as emergency response expeditions ranging from covid to floods to earthquakes. In past Ravi has been changemaker C-level leader, inventive Innovator and creative Engineer with global fortune institutions of the likes Arthur Andersen, Wipro, Microsoft, Accenture, AirWorks Group, Tata Singapore Airlines and so on. His impactful body of work in the area of Robotics, Blockchain, Artificial Intelligence, Satellites, Intelligent Networks, Industrial Cloud, Adaptive manufacturing and Cognitive computing has unlocked value across 5 continents in improving civilization by helping various governments towards fiscal prudence & citizen services, while simultaneously encouraging compassionate capitalism thru brands and institutions like Nike, Micron Technologies, Weyerhaeuser, Bestbuy, Albertsons, Carrefour, Cognizant, General Electric (GE) and many more.
Dr. Jaideep Jesson Rayapudi, MBBS, MD is an aspiring cognitive neurophysiologist and expert in medical AI development. He currently serves as a Senior Subject Matter Expert in Healthcare AI at iMerit where he helps create large-scale datasets to power a variety of healthcare AI machine learning use cases.
Before joining iMerit, Dr. Rayapudi taught medical physiology for 20 years at various medical schools, starting his teaching career at his alma mater, Christian Medical College Ludhiana in North India. He strives to bring together the best of healthcare education and technology to the common person and believes that the best way to know the future is to create it.
Innovation is my passion. Collabaoration is my attitude. Execution is my action. Architecture is my Forte.
Currently I am practicing Digital Transformation, Innovation Implementation & Architecture Orchestration as Chief Innovation Officer at a Bank.
During 2016-2021, I have bagged 50+ Leadership awards Most Influential Payment Professionals, TOP 50 CIOs, Top 100 Innovative CIOs, Digital Leader of the Year, Top 20 BFSI Leaders.
I am founding Member of “India Blockchain Forum”. It’s Ecosystem riven program for Blockchain Adoption thru Education, Corporate Coe, Research & Accelerator programs in India. We have 40+ mentors in this blockchain program. We are advising 20+ Blockchain based FIntech & Startups in DeFi , Cross Border Payment , Protocols , NFT, Digital identity , Security etc areas.
I am co-chairing FICCI Blockchain Initiative in India
I have contributed for India’s National Strategy for Blockchain.
With over 25 years of rich experience in Banking & Finance, Manufacturing and Service Industry, Ratan Kesh, now heads the Retail Operations like Liabilities, Assets, Cards, Contact Centre and Service Recovery at Axis Bank. He is responsible for the day to day navigation of efficient operations, driving process and service transformation while keeping pace with the digital revolution through process reengineering backed by Intelligent Automation. Prior joining Axis Bank, he was the Group President - Operations Risk Management and Chief Experience Officer at Yes Bank wherein he was responsible for creating a robust architecture for consistent and superior Customer Experience across channels while ensuring effective Operational risk management. Prior to this he has handled various roles in HDFC Bank Ltd. in Customer Service, Service Quality and Product Management including Wealth Program, Current Account and Payment Product and has also served ICICI Bank Ltd. as Domain Lead for Lean Six Sigma.
Ratan is BE Mechanical and PGDBM from premier institutes and has completed Lean Six Sigma Black Belt. He is a certified Quality Engineer from Quality Council of Indiana, USA. He was recognized as one of the 50 most talented Quality Professionals in India by the World Quality Congress and India's top 25 Emerging Tech Leaders by Bicon Network in collaboration with Ministry of Electronics and Information Technology (MeitY), Govt of India
15+ years of global leadership experience in Management Consulting, ERP Strategy Formulation, Business Development, Project Management, Client Engagement and Supply Chain Management
5+ Years of international experience in SAP Implementation , SAP Consulting and managing Business Process Transformation.
Expertise in Integration of SAP modules, business process mapping, root cause analysis, solution creation, cutover management and data migration
9+ Years of extensive experience in Heavy Engineering sector, managing Design and Procurement function with large portfolio
Supriya Kulkarni is a Brand strategist, Human-centered designer, Ethics advocate and an Entrepreneur. Deeply interested in aspects related to the intersection of business, technology and society, she identifies tensions, pain-points or opportunities to develop solutions that positively impact individuals and businesses.
Supriya is a strong proponent of self-regulated, anticipatory, human-centered ethical design. Based on intensive research of the unintended consequences of popular autonomous digital voice assistants, she has created the ‘Ethical Conversation Design Toolkit’- a framework that helps practitioners in the voice industry consider the ethical implications of their products.
Supriya was a finalist for the ‘Women in Voice’ award in the ‘DEI in Voice’ category that recognizes outstanding contributions to advance diversity, equity and inclusion in voice.
Archna is a goal oriented Customer Experience Evangelist and Business Excellence Leader – with over 23 years of proven track record across Hospitality & Healthcare industry in helping organizations consistently meet and exceed customer expectations, effectively manage customer relationships and deliver value through curated customer solution strategies including technology led change.
She has worked with Taj Group of Hotels for more than 16 years with last assignment as Regional Business Excellence Head for 21 hotels in the regions of AP, T.Nadu & Kerala across the brands before moving to Healthcare industry in 2013.
While in Taj, she was also a Tata Group resource as Certified TBEM Assessor and had the privilege of assessing various Tata Companies across the industry sectors like Tata Motors CVBU, Trent Hypermarket, Tata Projects Limited, Tata Business Support Services etc
Her first stint in Healthcare Industry was at Manipal Hospitals (as their Pan India Head - Customer Experience) before joining Fortis Hospitals in 2016, to manage Patient Experience for South West Region (10 Corporate hospitals) and now Group Head – Patient Experience (Pan India) for C K Birla Hospitals (Trust Hospitals).
She has been invited as Speaker in many Global CX forums and has won many awards throughout her career journey.
Archna also actively participates in some of her voluntary pursuits in the capacity of Vice Chairperson – Karnataka Health Chapter for ALL Ladies League and Certified Happiness Program Coach for Art Of Living Foundation
Teresa O’Neill is the Director of Solutions Architecture for Natural Language Understanding at iMerit, where she develops custom data enrichment services for natural language understanding technologies. As a researcher, Teresa specialized in grammatical variation in spoken language, language contact in multilingual contexts, and challenges facing low-resource language communities. After ten years in higher education, Teresa cultivated an interest in data operations and impact workforce development as a Solutions Architect. She served as Principal Language Architect at OpenCity and helped bring a voice-based conversational AI assistant to the market in the hospitality industry. She believes that the explosion of voice AI technology into new domains brings exciting new challenges and opportunities for applications to emerging markets
Dr. Chumki Neogi is a well-known professional in BPM industry. She comes with more than 21 years of expertise in running large scale business operations in outsourcing organizations and proven record in delivery and governance. She has also been instrumental in setting up D2C and Alternative Sales Channel verticals for Banks and NBFCs in her career. She is skilled in Operations Management, Customer Relationship Management (CRM), Contact Center Management, and Management Information Systems (MIS). As the ‘’Chief Operating Officer’’ Dr. Neogi is responsible for leading Service Delivery & Operations and deliver excellent customer experience support to EOS’ clientele.
Mr. Kaushik Bose is the Director of Contact Center at Myntra. Mr. Kaushik is a Customer Experience Professional and Operations Leader possessing 20 years of experience in spearheading cross-functional teams and leading large-scale outsourcing centres and in-house operations across New Age and Digital organisations.
In his current role he is responsible for leading the Vendor Managers to deliver excellent customer experience support for Myntra B2C customers in the India region. Also collaborating with 5 outsourced vendor partners and five sites/2000 HC (BAU) to manage customer service delivery across voice support, email, chats and complaints service channels in English/Hindi languages.
Abdullah Saleem, the Group Chief Information Officer at Omni Hospital. Abdulla has almost 25+ years of experience in Healthcare IT domain. He is responsible for developing leadership excellence, creating clinical, business transformation, and managing technology based strategic growth. He has successfully provided the IT transformation support to this chain’s various hospital leadership teams on benchmark-based cost containment, novel revenue growth and databased revenue leak avoidance strategies, leading to more than doubling of unit EBITDAs within six months.
Prior to joining to Omni, he was working with Ohum Health Care Solution Pvt Ltd whereby he was heading the end to end enterprise solution delivery and deployment for public & private sectors for India, USA, Europe & Gulf countries.
Gaurav Sadana brings with himself a rich experience in Banking and Insurance industry spanning beyond two decades. At Bajaj Allianz Life Insurance, Gaurav is the driving force behind Renewal and Persistency. Also, he spearheads the team which is at the core of refining and driving Customer Experience organization vide. Under his leadership, Bajaj has created distinguished place in Life insurance Industry as a rapidly evolving organization in digital customer experience space.
Ashwin is very passionate about technology and how it will drive the way businesses connect with their customers. Following his passion for technology, he founded Automation consulting firm in 2012 with a vision to help organizations adopt software automation the right way.
Ashwin Guptha currently, heads the Conversational AI practice for PwC, India. He has over 15 years of experience in customer service, front-office operations and driving technology led customer experience transformations for large Indian and Global corporations.
Having successfully led largescale innovative programs he advises customers from strategy through execution by helping them adopt the right platform, build frameworks and methodologies required to execute large programs effectively. He is a strategic consultant for organizations looking to adopt Conversational AI with a focus on experience and efficiency.
Mr. Aman Duggal is the Senior VP of Head of Service and Client Experience, Affluent Banking at IndusInd Bank. He has 19 years of BFSI experience across multiple roles and responsibilities in global and Indian organizations. Mr. Aman has achieved impact making and breakthrough accomplishments that have contributed to my organization's spectacular growth story. He also played anchor role in startup and scale-up of new business segments that become significant P&L drivers. Mr. Aman’s garnered expertise across Wealth Programs, Service Delivery, Digital Solutioning for Client Experience and Sales Enablement, Process Redesign, Customer Segmentation, Change Management & Adoption, Channel Development and Performance Management.
Abhinav has spent 15+ years with Insurance and Strategy consulting firms like AXA XL, Boston Consulting, and Mckinsey & Company, handling a wide variety of topics across most parts of the Insurance value-chain. He’s also spent time advising clients in the broader Financial services space, across US, Western Europe, and south-east Asia.
Abhinav is skilled at designing strategy, transforming it into actions and building ‘high-powered-teams’ to make the strategy an ‘operating reality’ fast! Of late, he’s focused on pulling together a transformation journey for his organization including Heading the Data Transformation, driving broader synergies and standardization, D&I, and climate and sustainability topics.
He is an avid car rally driver, a certified para-glider, and a massive sports enthusiast.
Experienced Sales & Strategy Professional with a demonstrated history of working in the Internet industry. Currently leading sales as Director of sales - India at Verloop.io, enabling companies to automate customer interactions and build future-proof customer engagement/ support channels with Conversational-AI.
Skilled in Consultative Selling, Team Management, and Strategic Process Planning & Execution; she's been instrumental in driving sales across companies like Swiggy, LinkedIn, and Mettl prior to Verloop as well.
Priyaah Sundaraam heads customer relations at IndiGo. A graduate of Welcomgroup Graduate School of Hotel Administration, Priyaah carries more than 22 years of customer service experience in aviation and hospitality. She has been associated with IndiGo since its inception and has been instrumental in the overall growth of the airline. She has played a critical role in creating short-term and long-term business strategies, including service standards and operational policies. Her expertise lies in upping customer experience & ensuring customer delight, contact center operations, business excellence through a robust feedback mechanism, automation, and innovation.
Priyaah, in her current role, manages all interaction via communication channels like contact center, email process, live chats, Social Media & measures Customer Experience for the organization.
Rightfully, Priyaah is customer experience obsessed. Customer service for Priyaah is not a department but an attitude. It’s about empowerment, promoting positive behavior with enhanced decision-making skills & clear communication. She has made it easy for customers to reach out to IndiGo – anytime, anywhere.
Away from the profession, Priyaah believes in alternative healing – she is A Grand Master reiki therapist & is a marathoner too!
Vishwanath is a DeepTech entrepreneur with a decade of academic and applied research experience in Computational Linguistics. Vishwanath has been a vocal champion of the new age conducive policies for Indic language & voice technology companies at various government, academia & industry think tanks. He's on a mission to enable uniform customer experience in every interaction through Saarthi's multilingual call centre AI agents deployed in contact centres across different verticals
Zolzaya works as a Partnerships Lead at what3words, a voice-first address solution. It has divided the world into 3 metre squares, and given each square a unique 3 word address. Everywhere in the world can now be found and navigated to by saying 3 simple words. what3words Voice has intelligent error detection that helps users identify and correct input mistakes, and results can be clipped to a certain area, offering unrivalled voice accuracy for location input. what3words' partners include Mercedes-Benz, Tata Motors, TVS Motor and many emergency services across the world.
Uthaman believes in the saying, “The way you make your customers feel is just as important as what you offer.” Uthaman has helped several organizations in India enhance their customer experience through creative usage of cloud technology coupled with intelligence and seamless integration in the last five years.
He has helped migrate more than 30000 agents to work from home during the pandemic. He runs a profitable technology company that works with some leading organizations in the banking, insurance, healthcare, BPOs, ARM/Collections, eCommerce, lead generation, and the automotive space.
Ganesh’s responsibilities span Sales, Marketing, HR, and Finance. He has over 25 years of Technology leadership and Marketing experience in companies such as Texas Instruments and IBM. Gnani’s raison d’être was the result of his desire to build a deep tech company from India. He passionately believes in the vision of Indian tech companies competing in the global market.
His hobbies include playing Tennis/Cricket and likes reading science fiction. Ganesh holds an MBA in Marketing and Technology from ISB.
Mr. Mehul is a Product Management executive leader who has led product vision, strategy, definition and development of voice AI platforms that enable developers to add voice to their products. He loves building great, innovative products that delight all users. He is Vice President of Products at Deepgram, the world's most accurate Speech Recognition platform. Prior to that, Mehul was Director at SoundHound for the Houndify Voice AI platform. Prior to SoundHound, Mehul co-founded two startups, focused on applying AI and Machine Learning to build enterprise solutions. Mehul was also the Director of Product Management in VMware’s End User Computing Business Unit where he led product strategy, definition and delivery of new and innovative product line, Horizon Application Manager. Additionally, he has worked in a variety of technical and management roles at technology companies including Adobe, Intel and Digital Impact. Mehul is a regular speaker at industry conferences and customer panels. Mehul holds a M.S. from Stanford University and B.S. from University of California Davis.
A seasoned professional with experience across ConsumerTech, Financial Services, Payments, Management Consulting with proven knowledge of entrepreneurial leadership & cross-functional team building, business development, business transformations, and strategy design. Adept at building and managing multi-functional teams and working with multi-regional teams.
Currently leading Digital Experiences for Uber CommOps in APAC enabling delightful customer experiences.
Nitin is a Conversational AI Product Owner for Tech Mahindra’s IP Platform - Sayint. He has 8+ years of Management experience in Product Development Life Cycle, Business Strategy & Planning.
He has been a Business and Technology Leader and has Co founded Tech Start ups as well as led teams in Corporate environment. With Cross functional and diversified experience across verticals such as BFSI, HealthCare, Retail and Consumer Tech, he is currently using this exposure to develop and implement solutions in Conversational AI across various industries.
Recruitment professional with over 7 years of work experience in managing and building winning teams. I have proven experience in recruiting, building, and managing the talent acquisition teams in product and platform development company focused on telecom domain. My experience pans across hiring for senior leadership, senior tech roles, Sales hiring’s,university/college hiring, driving diversity and inclusivity hiring programs, managing recruitment programs, operations, and systems.
Mr. Anuj Gupta, the Chief Strategy Officer of ICCS. Mr. Anuj has a wealth of strategic and entrepreneurial talents, having worked in a range of functions and industries such as FMCG, FMCD, Banking, and KPO.
He is in charge of all strategic choices made by ICCS and has ambitious intentions to take the company to new heights and vistas.
Mr Anuj, a management graduate with an economics degree, has also created and sold two businesses. He is now working with three startups as a mentor. He believes that while enthusiasm is necessary for running and maintaining a business, emotions should be avoided at all times because they might complicate problems.
Customer journey champion with over 20 years of experience in solving customer experience challenges. Suresh has spearheaded tech-support programs for brands like Apple Computers, Intel, Flipkart, Meesho, Yes Bank and many more. He's working as the Global Head of Transformation Practice. He has played an instrumental role in developing Mind QA (AI-driven speech-to-text) and MWP (Workforce Lifecycle Management) products.
Gokul Gopalakrishnan is a Head Vice President, Business (Asia) at Uniphore based in Palo Alto, California. An entrepreneurial, techno-business executive officer with 20 years of global experience in customer experience/voice technology with specialisation in Banking, Financial Services, Telecom and Healthcare. Previously, He was the Chief Business officer at Servion, leading the North America and UK region with expertise in digital transformation solutions like Robotics Assisted Automation (RPA), conversational AI, Active/Passive voice biometrics, Speech Analytics across different consumption models.
Kuntal Shah leads the Sales Engineering for Avaya India & SAARC . He has 20+ years of experience in contact center, customer experience Unified Communications industries, working in roles including sales, , systems engineering, Contact Center Sales Specialist , customer success and as the Global Growth Market customer experience lead. Kuntal has deep understanding of customer Engagement Solutions and how they can transform the business for our customer. Kuntal and his team work customers and business leaders and support them to devise digital transformation strategies.
Tanmay is an experienced Management Consultant and Product Manager with 10+ years of experience in managing large scale Digital Transformation projects.
Previously, he has worked with companies like JP Morgan India and HSBC Hong Kong for implementing their Global and APAC Digital projects respectively.
More recently, as part of Bank’s Innovation team, Tanmay has been working with FinTech start-ups to implement their solutions to digitize Customer journeys and automate Bank’ internal processes.
His area of focus has been Conversation AI, Chatbots, Speech Analytics and RPA. He is an alumnus of Hong Kong University and London Business School.
Mr. Nitin Jayan Varkey is a thought leader & currently the Vice President-Strategic Project Management, Organization Excellence & Innovations at Blue Dart. His experience spans over 22 years in the Logistics industry. Prior to his role with Blue Dart Express he has worked with various Business Units of DP DHL and has also worked with FedEx Mumbai.
He is a certified Six Sigma Master Black belt who has run and coached multiple process improvement projects and business excellence initiatives. His expertise expands across various facets of Logistics & Supply Chain Management across the domains of Operations Management, Project Management, Stakeholder Management, Process Improvement, Value Analysis, Operational Excellence, Six Sigma, Quality Management and Innovations.
Rana Gujral is an entrepreneur, speaker, investor, and CEO at Behavioral Signals, an emotion AI and behavioral recognition software company. In 2014, Rana founded TiZE, a cloud software for specialty chemicals, and held the role of CEO until his exit when TiZE was acquired by Alchemy. He has been awarded the ‘Entrepreneur of the Month’ by CIO Magazine, the ‘US-China Pioneer’ Award by IEIE, and listed in "Top 10 Entrepreneurs to follow in 2017" by Huffington Post. Due to his notable thought-leadership in the voice-first community, spearheading digital transformation in the behavioral analysis space, he is recognized in Inc. Magazine as an “AI Entrepreneur to Watch”. His writing can be found in publications such as Inc., TechCrunch, and Forbes.
A Business Management Graduate with varied experience in setting up and scaling Digital Business, leading marketing and retention functions. Dynamic and results-focused sales and marketing leader with a verifiable record of achievement to strategize, plan and ensure successful roll-out of projects in hand.
Harish Srigiriraju is a Principal Engineer at Verizon. He has expertise in leveraging advanced analytics and machine learning to improve software products. He has led several cross-functional projects to draw insights on user behavior and develop new features with help of various analytics tools and models. He has prior experience in software programming and graduated from Kellogg School of Management with an MBA.
Venugopal (aka Venu) is a Coveted leader in the Contact Center/CX space and he is currently Vice President -IT Automation & Transformation @ Concentrix with a mission to infuse technology that drivers better experience for their clients. He is a seasoned, ambitious, self-driven, innovator and a thought leader with an acumen for building teams, strategic planning, business consulting and building Center of Excellence to propel growth and success. He has led many transformational engagements in the CX space globally. He has completed his Masters in Computers from BITS Pilani and very passionate about new technologies and is always eager to explore.
Vipin is currently serving as CTO for Starbucks India. He comes with 18+ years of professional experiences in management consulting, IT services and technology leadership. His experiences pans across multiple industry verticals including retail, QSR, healthcare, banking and telecom, and multiple geographies including North America, South Africa, India, Malaysia, Vietnam and Australia. At Starbucks, he is responsible for leading the technology and digital transformation agenda for the organization including end to end technology stack upgrade and driving the business leveraging new-age technologies. Prior to joining Starbucks, he was head of digital and technology for KFC India, where he led the digital transformation for three plus years including new app launch, POS upgrade and automating the delivery business. With his efforts, KFC had become first QSR in India to launch Alexa ordering skills. During his tenure in consulting, he worked with organizations such as Kearney and Accenture, where he helped multiple clients in defining IT strategies, enterprise architecture, IT operating and governance models and facilitating large outsourcing deals
Mbbs, Ficm, Diploma in Diabetology and Master class in digital health She is a general physician and diabetologist with 20 years of experience,9 years of experience in telemedicine only. She is one of the future 50 clinical leaders in telehealth recognized by HIMSS. Ambassador of telemedicine today Karnataka India chapter and Ambassador Global telehealth exchange. Have received multiple awards in the field of telemedicine and telehealth. She is one of the 20 women achievers in Karnataka state .
Also awarded as the Karnataka Mahila Ratna recently.
Sharad comes with over 21 years of experience across IT and ITES. A hard core sales professional, Sharad comes with rich experience in New Customer Acquisition and Client Relationship Management. With his core skills in Consultative Selling, Team Management, and Strategic Process Planning & Execution; he has been instrumental in driving sales and growth for EOS. He has also been successful in building a strong client base in digital space for eDAS.
Shantanu Bhaduri is heading the platform product group in Exotel - focussing in Voice , Data platform and Telephony Infrastructure . Shantanu is a seasoned professional with 15+ years of experience spanning across Flipkart , Amazon India and Ittiam Systems. His experience spans across Retail , E-commerce , Payments , Warehouse , supply chain , communications domain. His expertise is with strategy partnership,team building , platform scaling , real time communication and Voice AI.
In his current role , he leads a bunch of talented product managers building Platform APIs , Voice streaming , regulatory compliant UL-VNO stack , data platform for rich analytics . Shantanu has deep interest in customer engagement and storytelling and believes a successful product is built when the PM ( the storyteller) builds a depth in the story and details the characters. Shantanu did his masters degree from IIT Bombay with specialization in Microelectronics
Mr. Padmabhushan Bahadure is currently working as a Chief Technology Officer with IDBI Bank and has more than 20 years of diversified experience in IT. He has worked directly and indirectly with various Indian and Global Banks.
Pooja is the Co-Founder & Executive Director of Phonon Communications Pvt Ltd. Her focus on metrics and customer-centricity has built strong client relationships.
Work mode: Karthik heads Global Talent Acquisition for Biocon Biologics and is a truly heart – first leader and a seasoned Talent Acquisition professional with over two decades of progressive and comprehensive international experience in all areas of recruiting with strong business acumen and ROI driven approach and works towards empowering recruitment with AI. He is passionate about making impossible dreams and thrives on disruptive approaches. Karthik holds a Bachelor’s degree in Engineering and has a Post Graduate Diploma in Business Administration from Loyola Institute of Business Administration
Life Mode: A wanderer at heart, Karthik has the mountains in his blood, and enjoys adventure trails and taking wildlife photography. Outdoors, wildlife conservation & angling are personal interest areas. At home, Karthik is a loving dad and a playful pet parent.
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.
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.
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
Ms Faten is a highly collaborative and engaging customer experience passionate with strong communication and management skills demonstrated internally and remotely; effectively working with agents, managers, and executives across all departments.
Having over 15 years of experience, managing teams up to 90+ employees while being responsible for recruiting and interviewing new candidates in different positions in the call center after analyzing the required workforce in every department to achieve account goals. With a sincere passion and obsession for customers' experience, having achieved up to 60% NPS scores and 90% satisfaction scores while maintaining a lean, highly productive operation. Having extensive experience in designing and delivering needed processes and training materials for the call center department based on current gaps, ineffective results or lack of coordination to achieve the company's goals and vision.
A dynamic, highly logical and analytical senior finance management professional with over 8 years of cumulative sold experience in credit control, receivable and collection. Dealing with billions of receivables including B2B, B2C & oversees within dynamic environments through well-known Intl brands and listed companies Tawuniya, AON and currently Medgulf as a Director of Credit Control & Receivable. Leading the implementation of IFRS 9 Financial Instruments and managing four sections Credit Control, Receivable, Corporate Collection, Recovery Collection with a track record of achievements directly linked to P&L.
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.
Ahmed has a proven executive management record and over 8 years successful experience in Sales, Marketing, Strategic and Operations Leadership. His expertise is to lead organization and revamp company images and performance.
Ahmed is a dynamic, results-oriented leader with a strong track record of performance in turnaround and high-paced organizations. Utilize keen analysis and insights and team approach to drive organizational improvements and implementation of best practices. Superior interpersonal skills, capable of resolving multiple and complex (sales, humanresources, legal, finance, operational) issues and motivating staff to peak performance.
Ahmed earned his Bachelor of Science degree in Communication Knowledge Engineering from The Future University Sudan in 2013. Graduated with Latin Honor’s, he came to UAE for higher education and studied Masters of International Business Administration in Wollongong University Dubai. He also studied Diploma of Satellite Engineering in India. ,
Ahmed is currently managing Tafaseel BPO, Tafaseel IT , Salama Healthcare Services , Namaa Agricultural investments , Rannah , Technologia .
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.
