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.