Zaid Kamhawi

Chief Executive Officer

Zaid Kamhawi oversees the corporate direction and strategy of the company and has established Qarar as a major player in its field, driving significant company growth with his long term vision, innovative service delivery and focus on improved operational efficiency.Bringing over nineteen years of financial services experience to Qarar, Kamhawi has managed organisations in the finance analytics, credit management and consulting industries across the GCC, from setting up and leading regional businesses to working with major regional financial institutions, local governments and multi-national organisations.

Prior to his role with Qarar, Kamhawi worked with prestigious organisations including Euler Hermes, Mercer Consulting and The Emirates Credit Information Company, where he was responsible for establishing the first robust credit reporting environment in the UAE, promoting cutting-edge credit reporting solutions, and serving as part of the Federal Committee tasked with drafting the UAE’s first credit information law. Kamhawi is a Certified Risk Analyst (CRA) and holds a bachelor’s degree in Banking and International Finance from the City University Business School, UK.

Nico van der Westhuizen

Chief Operating Officer

Nico drives our strategic development, delivery excellence and partnerships for Qarar. With over 20 years of experience in organisational decisioning enablement through data analytics across various industries, Nico joins Qarar from Barclays Africa, where he led the group’s Capital & Risk Information Services organisation. His professional expertise has been acquired across Europe, North America, the United Kingdom and his continent of birth Africa..

At Experian, Nico led the global consulting practise and his responsibilities included expanding the company’s global consulting acceleration programme and other strategic planning initiatives within decision analytics.Nico has a B.Sc. Engineering (Mechanical & Mathematics) degree from the University of Potchefstroom, South Africa.

Riaz Jassats

Director, Consulting

Riaz is a strategically focused individual with a proven track record of delivering excellence, skilled in credit life cycle management, retail risk, MIS, project management and client engagement. Riaz specialises in Customer Life Cycle Management where he optimises retail lending portfolios profitability through a deep understanding of Consulting, Analytics and Predictive models across the life cycle, covering Originations, Account Management, Customer Retention and Collections.

Prior to joining Qarar, Riaz held a number of senior leadership positions within global organisations including: Absa, Barclays, Nedbank and Principa Decisions. Riaz holds a Bachelor in Business Administration (BBA) from the University of Potchefstroom (PUK), South Africa.