Team Advisory

Our Advisory Team


Acreditus’ advisors are experts in their respective fields and offer a deep pool of experience and skills for our clients 
Khalid F Howladar

Khalid F Howladar

“After twenty five years of critical risk analysis, I am sincerely expecting that Acreditus will help our diverse clients as a trusted and independent strategic advisor in an increasingly dynamic, challenging credit and technological environment.

Khalid Howladar is the Managing Director and Founder of Acreditus. With twenty five years experience in risk and ratings, he is a trusted authority in the fields of GCC risk, banking, structured and sukuk finance as well as a prominent voice in the Islamic capital markets. He is a key driver in promoting the ethical, social and financial inclusion underpinnings of Islamic / Participation Finance and has an active angel investment and advisory interest in various startups.

Previously, Khalid spent 15 years at Moody’s Investor’s Service in various key roles in London and then Dubai since 2008.  As Moody’s first Global Head of Islamic Finance and concurrently, Khalid was the regional Head/Senior Vice President for the GCC Banking team responsible for rating a diverse portfolio of around 60 financial institutions. He was also a Credit Co-Chair for the European, Middle East & Africa Banking team and a senior member in GCC Sovereign and Sukuk committees.

Prior to these leadership roles, he was an analyst in the structured finance team responsible for rating over $150 billion of Middle-Eastern securitizations and a diverse mix of cash, synthetic, high yield, asset-backed and project finance CDOs. Previously Khalid spent four years at Credit Suisse where he was a member of the Emerging Markets Fixed Income Risk team.

With his global perspectives, he is a recognized authority across multiple fields and has presented at the World Bank, IMF, ECB, IIF, IsDB, IFSB and AMF and lectured for London and Edinburgh Business Schools, NYU and Sorbonne Abu Dhabi. He holds a MSc and a BEng in Computing from Imperial College and a MSc in Finance from London Business School.

Mufid Shawwa

Mufid Shawwa

Mufid is an expert in global market investments, including asset/portfolio management, capital markets and cross-asset derivative solutions and has over twenty years of experience as an investment professional.  Previously he was a Managing Director at Credit Suisse in London and Dubai.

Areas of financial expertise include: global cross-asset allocation advisory and management, family and investment offices institutional setup, international capital markets securities, fund-linked investments and asset or liability derivatives solutions across multiple asset classes.

Previously, Mufid was Managing Director at Credit Suisse in London and the Dubai where he spent over 15 years in several senior investment banking roles including Head of Fund-Linked & Equity Derivatives, MENA. In this role, he was responsible for the offering of equities, fixed income as well as hedge fund replication strategies and solutions for institutionalized family offices, asset management firms and private banks. Mufid holds a MSc in Computer Science from the University of Cambridge.

Jeffrey Christiansen

Jeffrey Christiansen

Jeff  has over a decade of experience in risk and economic affairs having served in varied roles in both the private and public sector  in the USA and Middle East

Jeff has built risk advisory and research credentials over many industries spanning research, intelligence, finance, and consulting, he has worked with Bain & Company, Moody’s Investor’s Service, AfricInvest Capital Partners, the US Department of State, and the Carnegie Endowment for International Peace.

He is expert in sovereign risk analysis, focusing on African and Middle Eastern governments and development banks. He spent several years as a management consulting with Bain, focusing on corporate strategy, PMO, organizational change, and policy implementation. Prior to grad school, Jeff taught courses and workshops on negotiation strategy, developing proficiency in French and Arabic on the side.

Jeff has a Masters at the School of Foreign Service at Georgetown University.

Ahelem Jouied

Ahelem Jouied

Ahelem is a seasoned Capital Markets professional with over a decade of expertise covering Syndication, Structuring and Origination of Debt securities across the capital structure. Previously she was at Morgan Stanley’s Global Capital Markets team in London. 

Ahelem has a wealth of debt product expertise across the asset class spectrum. With regards to asset backed securities she has experience working with highly rated covered bonds to non rated ABS instruments; this included the structuring and origination of Covered bonds, where she was involved in pioneering issuances prior to the release of Covered bond Legislation globally.

Ahelem holds a Bachelor’s Degree in Economics from the University of Westminster and a Master’s Degrees in Financial Economics Queen Mary and Westfield University of London.

Rachel Ziemba

Rachel Ziemba

Rachel is a geo-economic and country risk expert and provides macroeconomic and policy due diligence and develops investment scenarios

She has a particular focus on the global drivers of resource producing countries including those of the Gulf Cooperation Council and Asian emerging economies. She is an Adjunct Senior Fellow at the Center for a New American Security (CNAS) and teaches at New York University’s Center for Global Affairs. Rachel previously served as the head of emerging markets research at Roubini Global Economics, a global macro strategy and country risk firm. 

She holds a bachelor’s degree from the University of Chicago with honors, and a Master of Philosophy degree in international relations with a specialization in international political economy from St. Antony’s College, Oxford University (with distinction).

James Clifford

James Clifford

James is an expert in liability structure optimization for corporates and was previously Head of Natural Resources Financing, EMEA Leveraged Finance at Barclays in London

Previously he was Head of Natural Resources Financing, EMEA Leveraged Finance at Barclays covering non-investment grade corporates. Over the course of his career James has led more than $30bn of financing transactions across a wide range of industries and geographies.

His extensive product experience spans lead loan, bond and mezzanine underwritten financings for large caps and private equity to mid-cap club loan transactions. James has a proven track record of quality of advice given to management and private equity on capital structuring and financing strategy.

James studied Psychology at Oxford University and Management and Finance at Cambridge University.

Advisory Board Members

 

Moritz is the Chief Economic Advisor of Acreditus an experienced economist, credit analyst and commentator with 20+ years of market experience. 

He has a special focus on sovereigns globally (both EM and advanced) and multilateral development banks. Worked in 100+ countries. Very extensive publication, speaking and media footprint on macroeconomic and credit issues. A demonstrated history as a thought leader and communicator in Credit Analysis, Macroeconomics, Bonds, and Capital Markets.

Moritz was previously the Global Chief Rating Officer Sovereign Ratings for Standard & Poor’s ratings where he coordinated global analytics, research and market outreach.

Prasant Sarkar

Prasant Sarkar

Prasant is a veteran GCC banker and a subject matter expert in corporate governance, enterprise risk management, compliance and ethical banking

He specialises in corporate governance and enterprise risk management. He has been instrumental in designing, establishing and driving full fledged risk management functions in a number of banks in various Middle Eastern countries. He has also been associated in teaching in various Universities and Banking Institutes notably with Bahrain Institute of Banking & Finance.

Prasant also acts as a mentor, coach and evangelist to budding entrepreneurs and start up projects in addition to his current roles. Previously he was the Chief Risk Officer in National Bank of Fujairah and has over four decades of experience in the banking and financial services industry

 

Saber Hussain

Saber Hussain

Saber is a career Investment Banker with over 22 years’ experience and recognized expertise in Global Capital Markets, Securitization and Liquidity and Funding 

Saber’s career has spanned across multiple banking disciplines and his areas of financial expertise include: Capital Markets-(primary and secondary markets) syndication, Securitization structuring and Funding, Liquidity and Funding, Collateral Optimisation, Risk and Regulatory, Structured Bonds and ABS structuring, fund-linked and asset/ liability multi-asset class derivatives solutions.

Previously he was COO for Global Credit Trading at Barclays Investment bank in London and Dubai. Saber holds a Bachelor’s and Master’s Degrees in Mathematics from King’s College London and a Master’s in Business from City University Business School.