Banking & Financial Consultant:
An executive banker with over 3 decades of solid banking and financial experience and strong legal background and experience. Held senior roles with highly rated and highly reputed national and international financial institutions in the UAE. Core areas of expertise:
Banking & Financial Consultancy:
- Bank products structuring and creation from concept to launch, inclusive of financial modelling, operating procedures, legal contract, terms & conditions, credit & collection policy, product KPIs and post launch follow up
- Product launch that covers the product positioning, marketing strategy including all its mix and components, within the regulatory frameworks
- Financial modelling and analysis for all bank products and services
- Sharia’a compliant (Islamic) bank product structuring including all documentations, contracts, procedures, Sharia’a approval, etc.
- Sharia’a compliant (Islamic) bank product launch including positioning, marketing strategy including all its mix and components
- Formulating all types of operating procedures, credit and collection policies, legal contracts, etc.
- Restructuring existing bank products for profitability turnaround
- Sound experience in financial instruments including Letter of Credit (LC), Standby Letter of Credit (SBLC), Bank Guarantees (BGs), etc., as well as all relevant legal contracts.

Legal Consultancy:
- Advisory on all types of disputes, including the banking dispute and defaults, financial crimes and financial frauds
- Draft and review of all types of contracts, of all scales and of all industries
- Carry out business registration and investment registration for businesses inside and outside the United Arab Emirates, within the regulatory framework
- Legal persuasive memos, reports and complaints writing for all litigations stages
- Arbitration advisory and consultancy though top-law firms, whether handling the case or audit and 2nd opinion
- Creation of Terms & Conditions, Privacy Policies, and platform-ready legal packs for SaaS and ecommerce businesses
- Structuring M&A deals (Asset Purchase Agreements, Due Diligence Checklists, Promissory Notes, Seller Financing)

Important Note: with over 30 years of legal experience, I am not a licensed attorney in any specific jurisdiction and the provided legal services are vetted by a renowned law firm.



BACKGROUND & CREDENTIALS
❖ Founder and principal of Strategia Finance, an advisory company based in Dubai that provides bespoke financial solutions to clients of all stages, all sizes and all industries
❖ Over 30 years of banking experience with highly rated banks like Commercial Bank of Dubai, Standard Chartered, RAKBANK and Sharjah Islamic Bank
❖ Successfully launched dozens of banking products and initiatives that directly boosted revenue and increased the brand value
❖ Revenue and results driven with extensive and diversified banking experience, corporate consulting experience serving clients in a wide array of industries, including food and agro, energy and infrastructure, and real estate
❖ Former Senior Vice President of Sharjah Islamic Bank, looking after the Product Development of all the bank products, assets and liabilities. The responsibility covered the marketing division with a team of 9 people.
❖ MBA holder in Business Leadership Program from Open College, a customized and funded program based on the request of Standard Chartered Bank for the future leaders.
❖ Recipient of Standard Chartered Bank Chairman Award for the top 10 initiatives across the group worldwide – 1997.