Partner, strategist, and builder operating at the intersection of technology and emerging markets.

My career began in Saudi Arabia in 1999 at Assyst Saudi Arabia Ltd., an affiliate of Jamjoom Group in Riyadh. I sold, implemented and supported MCBA, one of the leading ERP systems of the era, then led the launch of a new division built around Microsoft Great Plains and other enterprise solutions, delivering implementations for some of the Kingdom's most significant organisations, including Aljomiah Group, Saudi Catering, Fippco, Al Naser Group and Astra Group, travelling across the Kingdom to do it. I was part of the Y2K upgrade cycle, a defining moment in enterprise technology that gave me a depth of systems and data experience few careers start with.

From there I moved to HansaWorld, a Swedish ERP company, rotating between the Stockholm headquarters, Dubai, Pretoria, Johannesburg and London simultaneously. That combination of on-the-ground Saudi delivery and cross-continental European and African exposure set the foundation for everything that followed.

My work bridges public and private sectors, connecting policy, capital and technology where they matter most.

I work as a partner, not as a consultant for hire. Alongside my partners, we bring a full operational stack: a 30+ person AI and development centre in India, regional offices and distribution networks across East Africa and Morocco, and specialist partners across Ireland, the UK and the UAE. Clients and partners engage me, but they get the full weight of that ecosystem behind every mandate.

Financial inclusion for SACCOs and unions across Africa. I led the design and implementation of a model that enables access to finance where traditional credit infrastructure does not reach. Instead of working around the absence of conventional collateral, I built alternative credit modalities grounded in cooperative behaviour, transaction data and membership structures: viable pathways to capital for communities and institutions formal finance has long excluded.

Doctoral research: AI for non-collateral credit. That hands-on experience became the foundation of my doctoral research. In my DBA graduation project, I examined how artificial intelligence can solve one of the most persistent barriers to economic growth in developing markets: MSMEs cannot access finance because they cannot offer collateral. I built an intelligent decision-support tool that applies AI to non-collateral credit assessment, combining real market data with an ethical framework designed to produce the right decision, not just a fast one.

The tool is not meant to replace human judgement. It is built to enhance it, streamlining the intelligence layer within the financial ecosystem so that credit decisions are made faster, more fairly and with greater confidence. The result is a body of work that bridges academia, technology and lived market experience across three continents.