About us

Let me introduce
my company

Khalid F Howladar
Khalid F Howladar

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.

Other team

Advisory Board

Moritz Kraemer
Moritz Kraemer

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 hecoordinated 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.