About Wadiaa

Wadiaa is an Omani Fintech company engaged in Crowd-funding/Crowd-lending activities with focus on Equity and Loan-based funding for small/medium enterprises looking to raise capital to recover from a downturn or expand their products and services offering. Wadiaa provides collateral free lending, powered by its alternative risk model that is AI and Machine Learning driven.

We stand for Startup & SME growth enabled by fintech democratized investment via transparency of information. We believe that by providing the society with the technology to be part of bridging the finance gap for Startup & SMEs and at the same time an investment opportunity for the public into otherwise a very difficult and shielded market to access. 

Wadiaa aims to be facilitating and integrating between the existing and developing pillars of the startup and SME ecosystem in line with the Omani Vision 2040. We also aim to enable and empower the local community, a significantly misrepresented stakeholder in the current ecosystem.

The Team

Hamza Al Lawati

Founder & CEO

Entrepreneur, Business Integration Specialist, Process Engineer with a passion for Fin-Tech, SME Community Development, Digital Efficiency, Social Investments and Sustainable Economy. Hamza heads the overall strategic direction, development and operations of Wadiaa. Previously, Hamza was responsible for Business Integration at Shell and Engineer at Oman LNG. He has also worked for Shell and partner organisations in the Netherlands and the UK. Hamza has graduated with a Masters in Chemical Engineering from Loughborough University in the UK and holds a Specialised Masters in Management from HEC – Paris.

Dr. Aju Samuel

Co-Founder & Chief Strategy Officer

Entrepreneur, Business Strategist and Startup Mentor with a keen interest in inclusive Fin-Tech. Aju drives the growth and strategy for Wadiaa. He is passionate about developing management talent and tech-enabled startups. Aju is also the Founder of the Performance Factory, a Management Consultancy and also Co-founder of a Health-Tech and an Insure-Tech startups in the US and also Co-founder of KitchenomiKs in Oman. He is a Fellow of the International Compliance Association, holds a doctorate and is also a management graduate from Indian Institute of Management (IIM) – Bangalore.

Mohammed Al Busaidi

Co-Founder and Legal Officer

Lawyer. Mohammed advises and supports Wadiaa on Legal and Compliance matters.

George Philip

Chief Risk & Compliance Officer

Co-founder, Strategy & Operations Specialist and Startup Advisor with a focus on tech-enabled startups. George drives Operations Excellence, Product Development, as well as Governance, Risk and Compliance for Wadiaa. Previously, George was Managing Partner at the Performance Factory and Co-founder of KitchenomiKs. He brings a wide range of functional and management expertise as consultant for some of the prominent banks as well as manufacturing, oil & gas, construction and IT businesses across the USA, Europe, Middle-East and India. He is an Engineer with an MBA from HEC – Paris.

Ahmad Fallatah

Technical Advisor

Entrepreneur, Engineer, Technology Development Manager and Networks Specialist. Ahmad focuses on Technology Strategy and Systems development for Wadiaa.