Ahmed Bin Khalaf Al Otaiba is a visionary Emirati leader with a profound influence on business and community development. He received his early education in Abu Dhabi - UAE, before pursuing his studies in Business Management and Administration at the University of Texas - USA. During which, Ahmed gained valuable experience across various disciplines, which later shaped his career.
Ahmed began his professional journey in the Oil and Gas industry, during a transformative period of diversification and growth driven by the UAE Government. He further expanded into multiple business segments, building a reputation for excellence and innovation. Under his able leadership, businesses evolved and diversified significantly. He proudly established a strong presence across sectors such as financial services, technology, hospitality, energy, real estate, telecommunications, and investments.
Ahmed also leads Siraj Holding LLC, which consolidates various business disciplines under one umbrella to provide cost-effective, dynamic solutions for B2B and B2C markets.
Among his notable ventures, he acquired Siraj Finance PJSC in 2015 (a private joint stock company based in Abu Dhabi and regulated by the UAE Central Bank), holding more than 98% of the company and steering it to become a leader in Sharia-compliant financial solutions. Siraj Finance PJSC provides an array of financial products designed in compliance with Islamic Sharia principles. The company caters to Corporates, small and medium enterprises (SMEs), and individuals; encouraging growth through effective Islamic finance solutions and diversified investment plans.
Ahmed also leads YAS Takaful PJSC, a pioneering UAE-based Takaful (Insurance) company. Initially established in 2008 as Al Hilal Takaful, the company was acquired by ADCB (Abu Dhabi Commercial Bank) in 2019. Subsequently, in 2020, it was acquired by Siraj Holding LLC and rebranded as YAS Takaful PJSC. This rebranding reflects its renewed commitment to offering ethical, Sharia-compliant Takaful solutions to meet the needs of individuals and businesses.
Ahmed’s leadership also extends beyond business to social and community initiatives. He actively supports projects focused on environmental sustainability, Emiratization, children’s well-being, and elderly care, strengthening the UAE’s economic and social fabric.
Ahmed exemplifies visionary leadership, blending strategic acumen with a forward-thinking approach to business and community development. His efforts continue to drive sustainable growth and innovation, reinforcing his position as a prominent figure in the UAE’s business landscape.
Rashed Bin Khalaf Al Otaiba, serves as the Board Director at Siraj Finance PJSC, plays a pivotal role in overseeing the Al Otaiba Group's ventures. As Chairman and Owner of the United Security Group (USG), Rashed has transformed USG into one of the leading security service providers in the UAE. His strategic vision and commitment to digitalization have driven innovation and operational efficiency across the group.
Rashed also serves on the board of Yas Takaful, where he contributes to its strategic direction and governance. A prominent business figure in the UAE, Rashed’s leadership and forward-thinking approach have positioned him as a key influencer in the region’s business landscape.
Saad Al Jneibi has been a Board Director at Siraj Finance since its takeover, contributing significantly to the company’s growth and strategic direction. He also serves on the board of Yas Takaful, where his experience and strategic vision continue to drive innovation and progress.
In addition to his board roles, Saad is the CEO and Managing Director of Al Saad Printing Works LLC, where he oversees the company’s strategic direction and operational excellence. He is also a manager at Oloom Al Shabaka in the Kingdom of Saudi Arabia, further showcasing his regional leadership and business acumen.
Saad’s multifaceted experience and commitment to excellence has made him a valuable figure across various sectors in the region.
Eman is a proven and dedicated leader with nearly three decades of experience in contributing to government offered services, drawing up policies and strategies, managing performance, spearheading quality and excellence programs, and leading public service improvement efforts in the Government of Dubai. As the Senior Director of Dubai Model Centre, she has led over 800 new initiatives and improved more than 200 services; cutting the service time by 50% and saving Dh400 million in response to the enhanced services.
Eman also led the H.H. Hamdan Bin Mohammed Program for Government Services, driving service improvements and excellence across all channels. She had the honour to lead the first public vote campaign for the winner of H.H. Hamadan Bin Mohamed award for public services. She also launched the City Makers Initiative and the region’s first Service Design Lab for Youth, helping design better services.
Eman also serves on several other boards, including the Women’s Sports Committee, the Service Council of the UAE, and the Women’s Happiness Council in Dubai.
With experience in banking, investment, and other prominent roles in government and federal divisions, Eman brings a well-rounded and strategic approach to leadership. She is passionate about innovation, learning, and inspiring others to lead change.
Bikash Ranjan Giri is the Managing Director of Intelligent Telecommunication Systems (ITS), Scott Power Corporation LLC, and Jazeera Emirates Power (JEP). With a robust career spanning over 30 years, he brings deep expertise in the Power, Manufacturing, and Telecommunications sectors. His leadership has been instrumental in driving innovation and growth across these industries.
Following the acquisition of Siraj Finance PJSC, Giri joined its Board of Directors, where he continues to provide strategic guidance. He also serves as a board member for Yas Takaful and Gibraltar Technologies, playing a key role in shaping their direction through his vast industry insight and governance experience.
Giri is widely recognized for his sharp business acumen and commitment to excellence, making him a respected figure in the regional business community.
Sheikh. Fazal is an accomplished Shari’ah scholar advising in the field of Islamic banking and finance with more than 22 years of experience in international, regional and local organizations. He has vast experience in rendering Sharia advisory in relation to Islamic products, services and transactions across the Islamic banking and finance industry and continues to collaborate closely with regional Sharia scholars.
Fazal has been certified as a Sharia Adviser and Auditor (CSAA) by AAOIFI, Bahrain. He holds an M.A. in Economics from University of Karachi, Pakistan, a B.A. in Islamic Studies & Arabic from the University of Karachi, Pakistan and a PGD in Islamic Banking and Insurance from IIBI, London.
He has undertaken and produced extensive research on many contemporary Islamic finance and banking topics. He is a member of the Sharia Board of numerous Islamic Investment and Financing companies. He is a member of Islamic Banking Committee of the UAE Banking Federation (the UAEBF).
A proficient Sharia Scholar with more than 15 years of experience in the field of Islamic Banking and Finance. He is Chairman of the Shariah Advisory Committee of MBSB Bank Berhad and Shariah Committee Member of Swiss Re & EXCO of Association of Shariah Advisors in Islamic Finance (ASAS). Previously, he had served as a Deputy Chairman of the Shariah Committee of Citibank Malaysia and Shariah Committee Member of Citibank Labuan.
He holds master’s degree in Shariah (Economics) from University of Malaya and Bachelor of Islamic Revealed Knowledge and Heritage (Fiqh and Usul al-Fiqh) from the IIUM. He is also Fellow of Certified Shariah Adviser and Auditor (CSAA) of AAOIFI, Bahrain.
His significant contribution to Islamic finance industry includes involvement in developing Shariah-related Policy Guidelines (Shariah Standards) and Shariah-compliant Schemes issued by the Central Bank of Malaysia and Companies Commission, respectively. As a Shariah Consultant, he has extensive experience in the development of Islamic financial industry globally and currently ISSC member of Siraj Finance.
A Sharia scholar with over twenty-eight years of Islamic banking experience. He has extensive knowledge in Sharia consultancy, Sharia Audit, Sharia Compliance, Sharia Training, Sharia Research and Development. Adept at implementing innovative Sharia practices and procedures to improve efficiency. He has versatile skill set with experience in mediating between the Internal Sharia Supervision Committee and the Management of the IFI’s.