Regional Head Quarter General Manager at Future Pipe Industries

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

Head of Collections - International Markets at Al-Futtaim Automotive

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.

CEO of The Arabian Giant Group, KSA

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.

Executive Vice President & Head of Islamic Sales & Business Development at RAKBANK

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, ABN Amro, Mashreq & RAK BANK.

Director General
at FENCA

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.

CEO GCC and Egypt, Coface Credit Insurance

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.

Chief Risk Officer at
UnaFinancial Group

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.

Senior Vice President, Business Manager - Special Assets I CCPL & Payments

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.

Head of Collections at Binghatti

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.

Head of Lending at Emirates NBD Securities

Head of Operational Risk at Al Maryah Community Bank

João Camarão is a seasoned risk management professional with more than 20 years of experience in Europe, the Middle East, Asia, and Africa. During his career, he has participated in various mergers, acquisitions, and the opening of new banking, fintech, and virtual financial assets licenses.

His areas of expertise include credit, operational risk, and worldwide banking regulations. He is a certified trainer in different areas of banking and financial services.

He holds a degree in Mathematics with a specialization in statistics and has completed various postgraduate courses in different areas.

In his panel at the conference, he will provide insights into the integration of credit and operational risk in different jurisdictions and banking products.

SVP - Regional Head of Legal at Banque Misr

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.

Chief Commercial Officer at Qualco Technology

Terry Franklin is the Chief Commercial Officer at Qualco Technology, where he leads the evolution of the company’s Fintech Solutions. With over 25 years of proven accomplishments in the Credit and Collections industry across multiple sectors, Terry combines deep industry knowledge with a passion for technology-driven transformation. He oversees all technology initiatives at Qualco, focusing on deploying innovative solutions that deliver tangible results for clients. His expertise in solution design and strategic implementation brings exceptional value to client partners.

Head of Credit at Aditya Birla Global Trading (formerly Swiss Singapore)

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.

Head of Group Credit Control and Collections at ALBADDAD Group

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.

Founder at Rezolv

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.

Founder at Rezolv

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.

Assistant Vice President - Collections at Al Hamra

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.

CEO & Co-founder at Alohaa.ai

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

Visionary Business Leader and Founder of Green Lines Group

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.

Board Member at aafaq Islamic Finance PSC & Group CEO at Private Department H.E. Sheikh Mohammed Bin Khalid Al Nahyan

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.

Head of Collection & Recovery Alizz Islamic Bank - Oman

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.

Senior Vice President, Head Of Collection & Remedial Management at Sohar International.

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

Chief Financial Officer & Secretary to the Board at Oman Qatar Insurance Co SAOG

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®

Credit technology expert at Strider Solutions

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.

CEO at Credit Oman

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

Chief Financial Officer Bahrain Aluminum Extrusion Co.

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

Head of Collections - International Markets at Al-Futtaim Automotive

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.

Head Credit Risk Review at Invest Bank P.S.C.

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.

SVP Cross-border Center at EOS

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.

Group Head of Credit Control & Receivables at Al Hashar Group

AMIT KUMAR BUDHOLIYA

(Seasoned Vibrant Toastmaster)

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

Corporate Achievements & Awards:

• Received “Best Performer” Global WOW award while working with SCB from Head of consumer Banking Standard Chartered for outstanding performance.
• Hall of Fame award for living customer charter.
• Received best performance award for achieving DSO target with ZERO escalation.
• Hall of Fame award for successful implementation of Credit & collections strategies.
• Best Team leader award for maintaining lowest attrition & healthy DSO numbers.
• Super achievers award for maximum BTD performance (best till date)
• Loss Prevention award for collecting major overdue payments from 240 Days & above.

Unit Head - SME in MID Corpoarate Banking and SME at BankDhofar

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 at Bank Muscat

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

• Errol has spearheaded key projects such as the implementation of the Loan Origination System, Business Intelligence platforms, and Scorecard-based Lending.
• He enhanced credit assessment processes, enabling faster decision-making for small-ticket SME loans and improving overall credit portfolio management.
• He designed and implemented Early Warning Systems (EWS) to identify potential stress in the portfolio, preventing accounts from slipping into non-performing assets (NPA).

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.

• At Yes Bank, he managed a credit portfolio exceeding USD 2000 Mn, formulating credit risk policies, sanctioning high-value loans, and driving risk mitigation strategies.
• He earned accolades such as the “Y-Star” award at Yes Bank and the “Silver Star” at HDFC Bank for his contributions to profitability and risk analysis.

Technological Contributions and Innovations

Throughout his career, Errol has been passionate about leveraging technology to enhance risk management.

• He contributed to the automation of Anti-Money Laundering systems and introduced Scorecard-based lending and working capital solutions that have been adopted across the banking framework.
• His work in automating and digitizing risk management processes has been widely recognized in the banking industry.

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.

General Manager , GCC Credit and Collections Future Pipe Industries

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

Founder & Managing Director at s Law Firm

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.

Sr. Claims & Recoveries Manager at Credit Oman

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.

CEO at Loxon

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.

Chief Operating Officer at Reem Finance

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

Executive Vice President & Head - PB Collections & Recovery at RAKBANK

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.

Head of Client Experience at Invest Bank P.S.C.

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

Head of Group Customer Support at Kamal Osman Jamjoom Group LLC

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.

Credit Control & Receivable Director at MedGulf

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.

Director - Senior Managing Consultant at Mastercard

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

Head of Transaction Banking & Escrow - Wholesale Banking at Ajman Bank

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.

Partner at RAALC

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.

Founder at SingleDebt

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.

Senior Business Consultant at EXUS

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.

Managing Director at XGEN Group (Pvt) Ltd

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.

Managing Partner & Group CEO at Tafaseel Group

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 .

Senior Vice President – Credit at Aafaq Islamic Finance

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.

COO - Wealth Management AME and UAE at Standard Chartered Bank

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.

Senior Manager-Collections at Boubyan Bank

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.

Head of Credit Control, Risk Infrastructure at Doha Bank - Qatar

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

Head of Collections at Al Ahli Bank of Kuwait

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.

Assistant Vice president ( Collections ) at Al Hamra group

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.

CEO at ITSCREDIT

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.

Senior advisor and expert, Digital Transformation / Head of MENA at The Digital Insurer

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.

CEO at Beveron Technologies

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

CEO at IBT

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.

Head - Credit Control at Choithrams

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.

Chief Operating Officer at Tamweel Aloula

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.

General Manager , GCC Credit and Collections Future Pipe Industries

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

Director of Finance Support Services Bupa Arabia

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.

Head of Collections at Al Ahli Bank of Kuwait

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.

Director of Credit Management at Bupa Arabia

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

Director Collection & Violations ESNAD

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.)

Senior Collections Manager at Al Yusr Leasing and Financing

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)

Head of Collection & Recovery Alizz Islamic Bank - Oman

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.

Registered Arbitrator and Expert Arbitration Counsel at RAALC Law Firm

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.

Senior Legal Consultant at RAALC Law Firm

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.

Sr. Claims & Recoveries Manager Credit Oman SAOG

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.

Visionary Business Leader and Founder of Green Lines Group

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.

Managing Director / Founder ARS Consultancy - Turkey

• She has worked in the field of ‘International Receivables Management’ since 2007.
• First of all, AyÅŸe was graduated in Political Science and International Relations from BoÄŸaziçi University Istanbul / Turkey, and then she completed her Master’s degree in Organizational Studies from the University of Tilburg / Netherlands.
• As a result, she finished her Master’s thesis in 1 year, and her successful research was about the international orientation of Turkish Airlines.

International Debt Collection in Turkey

• AyÅŸe Burcu Arslan recognized the need for a dedicated, Istanbul-based, international debt collection and credit risk management firm. It is from this business, ARS Consultancy… that she helps companies around the world, navigate the global market.
• In addition to her many international clients, AyÅŸe has worked with, and advised international companies both in and outside Turkey.
• Moreover, AyÅŸe Burcu Arslan has pioneered the field of international debt collection in Turkey with the brand of ARSinkaso®. She has used her experience to improve her business endeavor by participating in various platforms aiming at the recognition of debt collection as a separate field of expertise in Turkey.
• She gives seminars and webinars at the Istanbul Chamber of Commerce (ITO), and Turkish Exporters Assembly (TIM), and also at international conferences as well as more than 50 invited seminars worldwide.
• Since June 2023, she has been elected as the board member of LIC (League International Creditors) as the 1st business person to be involved in this position in an international association.
• She continues to give debt collection to Turkish companies with the main focus on negotiation, mediation, confliction resolution, and persuasion skills in debt collection.

Head of Credit @ SADAFCO | Credit Control & Reporting

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.

Head of Sales at Cedar Rose

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

Managing Director and CEO at EbixCash Financial Technologies

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.

Partner, Sales Consulting Director at Loxon

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.

Group Credit Control Manager at BCI

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.

Growth Partner at LEKVI GROUP

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

Chief Business Officer at Creditas Solutions pvt ltd

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.

• Pioneering digital collections and setting up a successful business
• Leading a large debt purchase fund in European & UK market
• Driving AI adoption in financial institutions for debt collection use cases
• Strong C-level leadership suite in the Financial sector, including all Banks, Regulators, Industry bodies in multiple geographies

CEO at IIRIS

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.

• Intelligence and white-collar investigations
• Forensic-based assignments – digital, accounting etc.
• Security/risk management operations
• Strategic planning
• Program development and management
• Regulatory requirements and compliance
• Risk vulnerability analysis with effective countermeasures
• Staff selection and development
• Contract negotiations, investigations, training, and workplace violence programs
• Behavioral sciences and impact at the workplace

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.

SVP Cross-border Center at EOS

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.

Gen AI and Digital Transformation Executive Cirruslabs

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.

Head of Domain Consulting Practice at EbixCash Financial Technologies

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.

Co-founder & CEO at Levers (YC S22) | Yale

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.

Co-Founder at Levers (YC S22) | Stanford

Motasim brings years of product management experience from his early career working in Silicon Valley startups & VCs. Recently, he was a Product Lead at Mozn and built a SaaS AML platform for the financial sector from scratch and led sales and marketing. He received his Bachelors in engineering from Stanford.