Khalid Ferdous Howladar

Senior Managing Director / Head of Credit & Sukuk Advisory business at R.J. Flemings & Co. (UK/UAE)
Partner – Acreditus (UK/UAE – startup investing/advisory
Chairman of Governance Board – MRHB DeFi (Halal/Ethical DeFi)
Chief Strategy & Risk Officer – Blossom Finance (USA – fintech)
ex-Chairman of the Board – Small Pharma (UK – biotech)
ex-Member of the Board – Islamic Markets (UK – edtech)

Previously Khalid was Moody’s Global Head of Islamic Finance & Head of the GCC Banking team. GCC Sovereign Risk committee member and Snr Credit Officer for MENA structured finance.

Khalid is a recognised thought leader in Credit, Risk, Ratings, Structured and Sukuk Finance and Fintech. His candid views and opinions are highly regarded by all market stakeholders with extensive coverage in the media.

More recently through his company Acreditus, Khalid and his partners have invested in numerous startups (biotech, fintech, crypto, islamic) as well as acting as a CEO advisor and Board Member.

In addition to providing various senior workshops for market participants, he has engaged senior stakeholders at forums hosted by the WBG, IMF, IsDB, ECB, IFSB.

Academically he has lectured at London, NOVA (Lisbon), London & Edinburgh Business Schools, New York and Paris-Sorbonne Universities in addition to many conferences globally.

In addition to an extensive library of Moody’s research, he has also authored many articles for numerous finance journals and books across the globe which focus on the credit risk, GCC banks,securitisation, sukuk, Islamic finance, ratings and fintech.

Specialities: GCC & Sovereign Risk, Ratings, Credit, Banking, Fintech and Sukuk Finance. Conventional and Islamic Asset Backed finance, Real/Resi Estate Securitisation.