[tm_pb_section admin_label=”Section” fullwidth=”off” specialty=”off” transparent_background=”on” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” custom_padding=”80px||40px|” custom_padding_tablet=”50px||40px|” custom_padding_last_edited=”on|desktop” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off”][tm_pb_row admin_label=”Row” make_fullwidth=”off” use_custom_width=”off” use_grid_padding=”on” width_unit=”on” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][tm_pb_column type=”4_4″][tm_pb_text admin_label=”Our Team” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]
[/tm_pb_text][/tm_pb_column][/tm_pb_row][tm_pb_row admin_label=”Row”][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo Mufid2″ image_url=”https://acreditus.com/wp-content/uploads/2019/09/1c-Mufid-e1568073227164.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” name=”Mufid Shawwa”] [/tm_pb_team_member][/tm_pb_column][tm_pb_column type=”2_3″][tm_pb_text admin_label=”Text Mufid” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|”]
Mufid is a Partner at Acreditus and is 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.
[/tm_pb_text][/tm_pb_column][/tm_pb_row][tm_pb_row admin_label=”Row” make_fullwidth=”off” use_custom_width=”off” use_grid_padding=”on” width_unit=”on” padding_mobile=”off” custom_margin=”50px|||” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” parallax_2=”off” parallax_method_2=”off” column_padding_mobile=”on”][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Picture Khalid” name=”Khalid F Howladar” image_url=”https://acreditus.com/wp-content/uploads/2019/09/0c-Howladar-e1568073215853.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#35a1cc” border_style=”solid” custom_margin=”||100px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center”] [/tm_pb_team_member][/tm_pb_column][tm_pb_column type=”2_3″][tm_pb_text admin_label=”Text Khalid” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_padding=”||50px|”]
Khalid Howladar is a Partner 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. 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.
[/tm_pb_text][/tm_pb_column][/tm_pb_row][tm_pb_row admin_label=”Row”][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo Jehad” image_url=”https://acreditus.com/wp-content/uploads/2020/09/2b-Jehad-1-e1599253135819.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” name=”Jehad El-Nakla”] [/tm_pb_team_member][/tm_pb_column][tm_pb_column type=”2_3″][tm_pb_text admin_label=”Text Jehad” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_padding=”||50px|”]
Dr Jehad is a Senior Adviser and executive with more than thirty years of experience in the financial services and was previously the regional General Manager for Moody’s Investors Service in the Middle East
Jehad is a seasoned veteran of region with extensive credit ratings experience. He of focussed on business development strategic relationships. His strengths include introduction and implementation of change, credit and risk management, and automation and systems development.
Prior to Acreditus, Jehad was GM and Board Member of Moody’s Middle East. Banking experience included nine years at Arab National Bank in Riyadh, as a Deputy General Manager. Jehad also worked Arab Petroleum Investments Corporation (APICORP) and Arab Bank plc, London City Branch. He is also a Full Member of the GCC Board of Directors Institute and an Independent Director of the Al Baraka Banking Group, Bahrain.
Jehad holds a Ph.D. in Numerical Analysis from Loughborough University in the United Kingdom. He also has ACCA’s Certified Diploma in Accounting and Finance.
[/tm_pb_text][/tm_pb_column][/tm_pb_row][tm_pb_row admin_label=”Row”][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo Ziemba” image_url=”https://acreditus.com/wp-content/uploads/2019/09/6c-Rachel-e1568073281937.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” name=”Rachel Ziemba”] [/tm_pb_team_member][/tm_pb_column][tm_pb_column type=”2_3″][tm_pb_text admin_label=”Text Rachel” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|”]
Rachel is a geo-economic and country risk expert and provides macroeconomic and policy due diligence and develops investment scenarios.
She is an accomplished Macro strategist focused on country economic and political risk. Focus on mapping macro and policy scenarios to market outcomes/risks/mispricing. Trade and investment policy, Sanctions, Emerging Market Economies, Oil Producers, Petrodollars, Sovereign Wealth Funds, Central Bank Reserves. Country Expertise: Global EM, China, BRICS, GCC.
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).
[/tm_pb_text][/tm_pb_column][/tm_pb_row][tm_pb_row admin_label=”Row”][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo Jeff” image_url=”https://acreditus.com/wp-content/uploads/2019/09/5c-JeffC-e1568073266389.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” name=”Jeffrey Christiansen”] [/tm_pb_team_member][/tm_pb_column][tm_pb_column type=”2_3″][tm_pb_text admin_label=”Text Jeff” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_padding=”||50px|”]
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.
[/tm_pb_text][/tm_pb_column][/tm_pb_row][tm_pb_row admin_label=”Row”][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo James” image_url=”https://acreditus.com/wp-content/uploads/2019/09/4c-James-e1568073255338.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” name=”James Clifford”] [/tm_pb_team_member][/tm_pb_column][tm_pb_column type=”2_3″][tm_pb_text admin_label=”Text James” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|”]
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.
[/tm_pb_text][/tm_pb_column][/tm_pb_row][/tm_pb_section][tm_pb_section admin_label=”Section” fullwidth=”off” specialty=”off”][tm_pb_row admin_label=”Row”][tm_pb_column type=”4_4″][tm_pb_image admin_label=”Image” src=”https://acreditus.com/wp-content/uploads/2016/12/horizontal-divider-1.png” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”off” sticky=”off” align=”center” force_fullwidth=”off” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid”] [/tm_pb_image][/tm_pb_column][/tm_pb_row][/tm_pb_section][tm_pb_section admin_label=”Section” fullwidth=”off” specialty=”off” transparent_background=”on” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” custom_padding=”80px||40px|” custom_padding_tablet=”50px||40px|” custom_padding_last_edited=”on|desktop” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off”][tm_pb_row admin_label=”Row” make_fullwidth=”off” use_custom_width=”off” use_grid_padding=”on” width_unit=”on” padding_mobile=”off” allow_player_pause=”off” parallax=”off” parallax_method=”off” make_equal=”off” parallax_1=”off” parallax_method_1=”off” column_padding_mobile=”on”][tm_pb_column type=”4_4″][tm_pb_text admin_label=”Our Advisory Board” text_orientation=”center” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]
[/tm_pb_text][/tm_pb_column][/tm_pb_row][tm_pb_row admin_label=”Row”][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo Moritz” image_url=”https://acreditus.com/wp-content/uploads/2019/09/7c-Moritz-e1568073299257.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||15px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” custom_url=”www.google.com” name=”Moritz Kraemer”] [/tm_pb_team_member][tm_pb_text admin_label=”Text Moritz” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]
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.
[/tm_pb_text][/tm_pb_column][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo Prasant” image_url=”https://acreditus.com/wp-content/uploads/2019/09/8c-Prasant-e1568156630426.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||15px|” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” name=”Prasant Sarkar”] [/tm_pb_team_member][tm_pb_text admin_label=”Text Prasant” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|”]
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
[/tm_pb_text][/tm_pb_column][tm_pb_column type=”1_3″][tm_pb_team_member admin_label=”Photo Saber” image_url=”https://acreditus.com/wp-content/uploads/2019/09/9c-Saber-e1568073316520.png” animation=”off” background_layout=”light” header_text_color=”#333333″ use_border_color=”off” border_color=”#ffffff” border_style=”solid” header_font=”Spinnaker|on|||” header_font_size=”30″ header_line_height=”1.3em” saved_tabs=”all” text_alignment=”center” name=”Saber Hussain”] [/tm_pb_team_member][tm_pb_text admin_label=”Text Saber” text_orientation=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” custom_margin=”||50px|”]
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.
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