Arif Alharmi

Arif Alharmi

Managing Director & Chief Executive Officer

Mr. Arif Alharmi is the Managing Director and Chief Executive Officer of Amlak Finance PJSC. With over 25 years of experience, he has played a key role throughout Amlak’s organizational transformation and drove Amlak’s financial restructuring, which was successfully completed in November 2014.

In addition to his role at Amlak, Mr. Alharmi holds board and executive positions with leading institutions across the region. Currently, he is the Chairman of Emaar Industries & Investments and Chairman of Amlak Finance Egypt and a Board Member of Al Salam Bank, Algeria. Previously, he held the role of Vice-Chairman at TECOM Group, and was a Board Member of Awqaf & Minors affair Foundation, and Amlak International for Finance & Real Estate Development, Saudi Arabia.

Prior to joining Amlak, Mr. Alharmi had 15 years banking experience holding a number of senior managerial positions at leading international and domestic financial institutions, including HSBC Bank ME, Dubai Islamic Bank, ABN AMRO Bank, and National Bank of Fujairah, primarily in corporate and Shari’a compliant banking.

Given Mr. Alharmi’s drive for excellence and his significant contributions to Amlak Finance, he received a number of prestigious awards including “Top CEO 2016”, “Finance Monthly CEO Award” in both years 2015 and 2016, and “CEO of the Year” award in 2008. Under his leadership, Amlak received a number of prestigious awards including “Best Islamic Finance CSR Company”, “Best Sharia Compliant Property Finance Company” and Dubai Chamber of Commerce and Industry’s CSR Label in both years 2015 and 2016.

Mr. Alharmi holds a Master’s Degree in International Business from the University of Wollongong, Dubai.

Muhammad Azam Razzak

Muhammad Azam Razzak

Chief Financial Officer

Mr. Muhammad Azam Razzak is the Chief Financial Officer of Amlak Finance PJSC. In this role, he is responsible for Finance, Corporate Treasury, Management Reporting, Corporate Finance & Investments, Corporate Communications, Investor Relations, and Information Security functions at Amlak.

 Mr. Razzak first joined Amlak in 2008 as Vice-President of Finance and has since held number of senior positions in the Company. With extensive knowledge and experience in real estate development & valuations and business restructuring, he played a key role in the financial restructuring of Amlak which was successfully completed in November 2014. In addition to his role at Amlak, Mr. Razzak is also on the Board of Directors for several of Amlak’s subsidiary companies and is the Chairman of EFS, an Amlak subsidiary.

Mr. Razzak has over 19 years of international experience in the Finance & Banking industry. He has served in senior positions at Mashreq Bank, Majid Al Futtaim, KPMG (Luxembourg), and Deloitte (Dubai & Karachi). He is also a Fellow of Institute of Chartered Accountants of Pakistan (FCA), Member of Certified Public Accountants – Ontario, Canada (CPA CGA), UK-qualified Fellow Certified Chartered Accountant (FCCA), Member of Accounting and Auditing Organization for Islamic Financial Institution – Bahrain (CIPA), and Member of Accountants and Auditors Associations of UAE. Mr. Razzak holds a Master’s Degree in Economics from University of Karachi, Pakistan.

Mr. Razzak plays an active role in mentoring and coaching young executives to shape their business skills and knowledge as well as for development in personal skills.

Gaurav Agarwal

Gaurav Agarwal

Chief Commercial Officer

Mr. Gaurav Agarwal is the Chief Operations Officer of Amlak Finance PJSC. He has held this role since January 2017, and is responsible for Operations, Information Technology, Credit & Risk, and Strategy functions at Amlak.

Mr. Agarwal has over 22 years of international experience in the Finance & Banking industry. He has held a number of senior positions across the region, including roles at EY where he directed several consultancy initiatives at the Dubai office. He was also the Chief Financial Officer at Emirates Investment Bank and at Tamweel PJSC at Dubai Islamic Bank.

Mr. Agarwal has extensive knowledge and experience in Corporate Finance & Treasury, Risk Management and Governance as well as in technology for business.

In addition to his position at Amlak, Mr. Agarwal is a member of The Institute of Cost Accountants of India (ICWAI), and a member of Institute of Chartered Financial Analysts of India (ICFAI). He is also a Board member of HDFC (Maldives) and nominated Director at Asian Development Bank.  

Mr. Agarwal holds an MBA from Kurukshetra University (India), and an Executive MBA from INSEAD (France).

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