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The appointment of Shariyah Review Bureau by Tamra Capital as the Sharia advisor.

The Shariyah Review Bureau will be responsible for the Sharia-complaince supervision and advice. The Bureau has appointed a dedicated Sharia supervisory committee to audit and confirm the company's documents and activities. The committee includes Sheikh Dr. Salah bin Fahd Al-Shalhoub and Sheikh Muhammad Ahmed Sultan. Moreover, the bureau will appoint a team of Sharia auditors to carry out periodic reviews and Sharia supervision over the company's activities to assure the Sharia supervisory committee, its Board of Directors, and related parties that the company's operations and activities are in compliance with Sharia controls and standards.

Accreditation Certificate (PDF)

Audit Team

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  Sheikh Dr. Salah bin Fahd Al-Shalhoub

  Sharia Committee Member

  He holds a PhD in Islamic and Middle Eastern Studies from the University of Edinburgh in the United Kingdom, and a Master's degree in Comparative Fiqh from the Higher Judicial Institute at Imam Muhammad bin Saud Islamic University. He has extensive experience in the field of Islamic finance, including banking products, investments, Islamic insurance, sukuk, real estate financing, and asset management. He is currently an associate professor at the College of Applied Studies at King Fahd University of Petroleum and Minerals, and he is a member and chairman of a number of Sharia boards for local and international financial institutions.

• 

  Sheikh Muhammad Ahmad Sultan

  Sharia Committee Member

  Sheikh Muhammad has more than 15 years of experience in Sharia consultancy and academic research in multiple fields of Islamic finance, including retail and investment banking, institutional consultancy, and real estate investment funds. He has worked with local and international financial institutions in the GCC countries, and has contributed to the development of sukuk structures and the regulation of funds and insurance companies. He holds a Master's degree in Fiqh and its Principles, and a Bachelor's degree in Sharia Sciences from Ahsan Al Uloom University in Karachi – Pakistan.

Our Team

• Omar HashemChairman of the Board

  He has over 30 years of professional experience across technology, payments, finance, insurance, and strategy. Throughout his career, he has held several leadership positions, including serving as a member of the advisory board at Souq Al Mal and as Head of Cash Management at National Commercial Bank. He has also worked at Saudi Arabia’s largest bank and one of the largest banks in the Middle East. His experience spans the banking and financial sectors, complemented by digital expertise that he has leveraged to drive growth in investment. He has also led complex transformation projects and spearheaded one of the fastest mergers and acquisitions in Saudi Arabia, involving Al Ahli Takaful and Al Sagr Cooperative Insurance Company. He holds a Bachelor’s degree in Computer and Information Technology from King Fahd University of Petroleum and Minerals and completed the Advanced Management Program at the Wharton School of the University of Pennsylvania.

• Salahuldean KhashoggiChief Visionary Officer and Vice Chairman of the Board of Directors

  He has over 15 years of professional experience in investment, banking, and entrepreneurship. Throughout his career, he has held several positions at Alkhabeer Capital, National Commercial Bank, and SEDCO Holding. He holds a Bachelor’s degree in Finance from Virginia Polytechnic Institute.

• Hattan RayesCEO and Managing Director

  He has over 14 years of professional experience in risk management, strategy, and investment portfolio analysis, encompassing experience in the banking sector and leadership responsibilities in risk management. He served as Head of Retail Risk Management at Saudi National Bank. He holds a Master’s degree in Industrial and Systems Engineering from the University of Washington and a Bachelor’s degree in the same field from King Abdulaziz University.

• Kapil ChaddaIndependent Board Member

  Kapil brings over 30 years of experience across banking, capital markets, strategic consulting, mergers and acquisitions, and wealth management. Throughout his career, he has held a number of senior executive and advisory positions, including Partner in the Financial Services Practice at Arthur D. Little in Dubai, where he advised banks, insurance companies, and sovereign wealth funds on strategic initiatives. He has also held leadership roles at global financial institutions, including HSBC and Bank of America, and has led and advised on investment transactions with a combined value exceeding USD 500 billion. Kapil holds a Bachelor's degree in Economics from the London School of Economics and Political Science (LSE) and serves on the boards and advisory committees of several companies and financial institutions across the Middle East.

• Saeed Al-ZahraniIndependent Board Member

  He has over twenty years of professional experience in executive leadership, business management, and financial technology, in addition to startup development and business growth. Throughout his career, he has held several executive positions, most notably founding and leading Tuwaiq, one of the first licensed fintech companies in the Kingdom of Saudi Arabia. He holds a Bachelor’s degree in Computer Engineering from King Fahd University of Petroleum and Minerals and a Master of Business Administration from Open University Malaysia. He currently serves on several boards of directors and advisory committees in the business and fintech sectors in the Kingdom.

• Mario Mehanna, CFAChief Investment Officer

  He has over 17 years of experience in capital markets, asset management, and private equity investing, gained throughout his professional career in Paris, Beirut, and Jeddah. He has held several leadership positions, most notably as Vice President of Asset Management at Alkhabeer Capital, where he was responsible for structuring offshore investment vehicles, building partnerships with leading global asset managers, and launching investment funds tailored to Saudi investors. Prior to that, he spent more than 13 years at one of Lebanon’s leading banks, progressing through various roles before becoming a portfolio manager overseeing global equities and fixed income. He began his career at Natixis in Paris. He holds the Chartered Financial Analyst (CFA) designation, a Master’s degree in International Finance from SKEMA Business School in France, and a Bachelor’s degree in Economics from the American University of Beirut.

• Mohamed ShommoChief Revenue Officer

  A senior executive with over two decades of experience in building digital businesses and leading product, technology, and growth strategies. He has held leadership positions at Walmart, X, Facebook, Amazon, and HungerStation, gaining extensive experience across fintech, e-commerce, digital marketplaces, and advertising technology. He combines strategic vision with operational and commercial expertise, backed by a proven track record of driving revenue growth, expanding assets under management, entering international markets, and launching widely adopted products. He has led the development of new business verticals and enhanced customer acquisition efficiency, drawing on a deep understanding of how technology and customer experience strengthen organizational competitiveness. He holds an MBA from the University of California, Berkeley, and a Master’s degree in Communications from the University of Colorado Boulder.

• Mohannad QandeelChief Financial Officer

  More than 5 years of experience in the fields of capital markets, financing, and corporate portfolio management at Saudi Aramco Company. Mr. Qandeel is a CFA level two candidate and is a graduate of King Fahd University of Petroleum and Minerals with a degree in banking and finance with honors. Mr. Qandeel has a strong passion for financial management and business development, and believes that long-term investment makes great returns in the long run.

• Mostafa MakladChief Technical Officer

  Mostafa has over 10 years of experience in technology leadership, software engineering, digital product development, platform engineering, and technology infrastructure management. Throughout his career, he has held several leadership roles in the technology sector, including Product Development Team Lead at WeBook, where he led the design and development of digital products and platforms while overseeing the delivery of advanced digital solutions. Earlier in his career, he worked at MSN Arabia, where he contributed to the development of technology systems and gained extensive experience in software engineering and digital solutions. Mostafa holds a Bachelor's degree in Computer Science from Mansoura University and is passionate about leading technology initiatives that leverage modern technologies to accelerate digital transformation and improve operational efficiency.

• Sulaiman JamalChief Human Resources Officer

  Sulaiman brings over 12 years of experience in human resources, organizational development, shared services, and human capital management. Throughout his career, he has held leadership positions at well-established organizations, including Prince Mohammad bin Abdulaziz International Airport in Madinah and the Saudi Ground Services Company (SGS), as well as organizations across the private and non-profit sectors. He has led initiatives spanning organizational development, learning and development, and shared services. He has also spearheaded strategic initiatives focused on strengthening organizational capabilities, empowering talent, and supporting institutional transformation. His experience includes designing organizational structures and policies, while aligning human capital strategies with broader business objectives. He holds a Bachelor's degree in Human Resource Management from Yanbu University College and is a holder of the internationally recognized CIPD qualification from the Chartered Institute of Personnel and Development (CIPD).