About Us

Data Solutions for Businesses

Data analytics and market experience based advisory and decision technology supporting your business throughout the customer lifecycle.

Middle East and North Africa’s leading decision analytics company

Qarar is the region’s leading decision analytics company, specialising in consultancy, data analytics and software technology to develop customer management and automation solution individually tailored to suit the needs of each business.

We are headquartered in Dubai, serving clients in retail banking and consumer credit across the Middle East and North Africa. We help our clients solve business challenges and achieve sustainable outcomes, by employing our distinctive touch of predictive analytics and market experience based advisory and decision technology to any and all steps of the customer lifecycle.

We have an experienced team of business consultants, data scientists and software engineers to provide you with the best guidance. Our expertise is in the areas of Strategy, Pricing, Credit Risk Management, Marketing and Sales Analytics.

We pride ourselves on offering a variety of solutions to suit your every business need — whether it is analytics, advisory, or software. We also offer you the added opportunity to harness our credit bureau data-driven solutions for your business needs.

Our work reflects our outlook towards the future — we will set your business on course to fully automated and accurate data-driven decisioning, and optimised actions for the greatest profitability, with minimum risk and proper compliance at every step of the way.

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Access to Data

Fully owned by SIMAH, the largest consumer and commercial credit bureau in the Middle East.

International Knowhow

Data knowledge that crosses borders.

Local Roots

Middle Eastern expertise with localised technology and regional track record.

Better Decisions

Building solutions from data for you to make the best possible decisions across the customer lifecycle.

We are always looking for market leaders in consultancy and technology sharing our commitment in delivering data analytics driven services and solutions.

Our partners’ products complement our product and service offerings, for total competitive advantage in the market.

Would you like to partner with Qarar? We are always looking for market leaders in consultancy and technology sharing our commitment in delivering data analytics driven services and solutions to complement our suite of solutions. Together, we can focus on solving our client most critical business challenges.

If you are interested in exploring partnership opportunities with Qarar, please complete the form below and we will get back to you.

Leadership

Consulting, decision analytics and software technology to deliver tailor-made customer management and process automation solutions.

Zaid Kamhawi

Chief Executive Officer

Nico van der Westhuizen

Chief Operating Officer

Riaz Jassat

Director, Consulting

Tariq Beg

Qarar Country Head KSA SIMAH Head of Presales

Ian Read

Chief Commercial Officer

Our Commitments

Qarar is the Middle East’s leading advisory and solutions partner delivering data-driven decisioning to retail banking and consumer credit businesses. We commit to investing in ensuring that we have the brightest minds and the strongest skillsets with extensive practical experience to develop state-of-the-art data analytics technology. Our customers can be assured that Qarar will always deliver the best advice and solution to help them maintain their competitive advantage in the market.

Awards

CEO Top 100 — March 2019

Zaid Kamhawi’s leadership, innovation and vision for and towards Qarar led to him being recognised in the CEO Top 100 Programme by CEO Monthly. He has headed Qarar and led it towards it vision of becoming a key player in their advanced risk analytics industry.

Excellence in Finance Companies Award — April 2019

Qarar received the Excellence in Finance Companies Award at the FiNext Conference in Singapore. Qarar was recognized for helping clients achieve strategic and sustainable success built on state-of-the-art modelling techniques and statistical methodologies, while also offering a personal touch.
We were evaluated on five parameters, namely:

  • Company vision
  • Industry impact
  • Spirit of innovation
  • Future readiness
  • Market demand

Zaid Kamhawi was interviewed at FiNext Conference, and the video can be watched below.

Would you like to find out how Qarar’s products, solutions, and technical support can help your business achieve rapid and sustainable development?