Our Team

Meet the people behind myZoi.

Our leadership team and board bring experience across banking, technology, compliance, operations with one shared belief: financial inclusion should be the foundation.

Our Values

Innovate for Humanity

We deliver a positive human impact in everything we build.

Respect Wholeheartedly

We respect the planet and all the people in it, without exceptions.

Be Brilliant Every Day

We are uncompromising in our devotion to achieving excellence.

Awards and Recognition

Recognised for what we stand for.

Law.com Legalweek Leaders in Tech Law Awards 2025 badge
ALM Law.com Awards 2025
Industry recognition
MEA Finance Awards 2024 badge
MEA Finance Awards 2024
Industry recognition
Great Place To Work Certified badge, UAE, June 2026 to June 2027
Great Place to Work 2026–27
Workplace Excellence
Future 100 2025 badge: Enterprises Shaping UAE's Future, UAE Ministry of Economy and Tourism
Future 100 List
Government Recognition

Board of Directors

Rola Abu Manneh

Rola Abu Manneh

CEO, Standard Chartered Bank UAE, Middle East & Pakistan

Rola Abu Manneh

Rola Abu Manneh

CEO, Standard Chartered Bank UAE, Middle East & Pakistan

Rola Abu Manneh is the Chief Executive Officer of Standard Chartered Bank UAE. She assumed her current role in August 2018, becoming the first Emirati woman to head a bank in the U.A.E. As part of its Women in Tech program, Standard Chartered U.A.E. accelerated 12 startups, who had collectively raised over $5 million from venture capitalists, as of November 2021. Abu Manneh previously worked as a senior managing director and head of corporate and investment banking at First Abu Dhabi Bank.

Gautam Jain

Gautam Jain

Member – SC Ventures

Gautam Jain

Gautam Jain

Member – SC Ventures

Gautam Jain brings experience of over 30 years in banking technology. His background includes chairing two SC Ventures portfolio companies and various board memberships. He joined SC Ventures in 2018 after roles at Standard Chartered Bank, Barclays, HSBC, and Citigroup in Singapore, London, and India. Gautam Jain also leads SC Ventures’ Middle East Office as well as the $100mn JV Digital Assets fund with SBI.

Rob Coombes

Rob Coombes

CCO – Affluent and Wealth Management, Standard Chartered Bank

Rob Coombes

Rob Coombes

CCO – Affluent and Wealth Management, Standard Chartered Bank

Rob Coombes possesses extensive experience and knowledge in compliance and risk management, particularly in the banking sector. Currently serving as the Chief Compliance Officer for Affluent & Wealth at Standard Chartered, Rob has held multiple leadership roles within Standard Chartered, including Global Head of Financial Crime Compliance, Wholesale Bank and Global Head of Transaction Banking Compliance. He has also held the positions of Head of Legal & Compliance, China and Japan based in Shanghai and Head of Legal & Compliance, Thailand based in Bangkok. Prior to Standard Chartered, Rob worked at The Royal Bank of Scotland, focusing on compliance in Treasury and Capital Markets. Rob holds an M.Sc. in Financial Services Regulation from London Metropolitan University, completed between 1996 and 1998.

Ryosuke Hayashi

Ryosuke Hayashi

Executive Officer, Overseas Business, SBI Holdings, Inc.

Ryosuke Hayashi

Ryosuke Hayashi

Executive Officer, Overseas Business, SBI Holdings, Inc.

Ryosuke is an Executive Officer in charge of global business development for SBI Holdings, Inc., a fintech conglomerate listed in Japan. He brings over 25 years of experience and expertise in private and public equity investments, digital media, financial services, and entrepreneurship. He serves on the boards of various companies across Asia and Europe in sectors including banking, securities, asset management, e-commerce, payments, and health-tech. He currently leads initiatives in digital assets, AI-driven financial services, and next-generation

Leadership Team

Syed Muhammad Ali

Syed Muhammad Ali

Chief Executive Officer

Syed Muhammad Ali

Syed Muhammad Ali

Chief Executive Officer

A senior financial industry leader with more than 27 years of experience in Fintech, corporate client coverage, cash management, and trade finance. Ali has extensive direct coverage of Asia and the Middle East, serving clients across industries and business segments with Standard Chartered Bank and Emirates NBD.

Ali is the CEO of myZoi, a Fintech startup incubated on the SC Ventures platform and backed by Standard Chartered. He has vast experience with regulatory and compliance frameworks impacting the financial industry and a profound understanding of the emerging digital technology landscape. Ali also has a track record of building and developing diverse, high-performance teams.

Hedeel Mahdi-King

Hedeel Mahdi-King

Chief Strategy and Planning Officer

Hedeel Mahdi-King

Hedeel Mahdi-King

Chief Strategy and Planning Officer

I am an England & Wales qualified solicitor (LLB Hons) with 16 years of experience in regulatory law, conduct, and compliance. My career spans international regulatory practice at Allen & Overy, and with the UK Financial Services Authority. At Standard Chartered, my career has been dedicated to regulatory compliance and digitalisation. I have expertise in regulatory affairs, policy development, compliance advisory, consumer protection, corporate governance, and contentious regulatory work, including investigations and litigation. As a people manager and certified executive coach, I am committed to values-based leadership, fostering collaboration, diversity, and continuous professional development.

Arsalan Siddiqui

Arsalan Siddiqui

Chief Product Officer

Arsalan Siddiqui

Arsalan Siddiqui

Chief Product Officer

Arsalan is the Chief Product Officer at myZoi and has been part of the team since its inception. With over 20 years of experience at Standard Chartered and Citibank, he is dedicated to developing products that drive meaningful outcomes for underbanked communities. His focus is on creating opportunities that empower individuals to enhance their daily lives.

Shanawaz Rouf

Shanawaz Rouf

Chief Operating Officer

Shanawaz Rouf

Shanawaz Rouf

Chief Operating Officer

COO with over 17 years of experience in Remittances, Cash Management, and Financial Markets across HSBC and Standard Chartered. He’s one of the co-founders building operational excellence across the organization to deliver seamless client experience.

Shabnam Sahiwala

Shabnam Sahiwala

General Counsel

Shabnam Sahiwala

Shabnam Sahiwala

General Counsel

15 years of experience in various legal, risk, and business teams across financial services. She has worked in various roles at Credit Suisse, Julius Baer, CitiBank, Al Tamimi & Company in various geographies in the Middle East, Africa & Turkey, as well as Ernst & Young in Mumbai. Shabnam brings a wealth of experience to myZoi and is a valuable asset to the company! A Corporate lawyer turned Tech Person, she brings a unique perspective to the table and is excited to be part of myZoi’s innovative mission!

Hassan Bharmal

Hassan Bharmal

Chief Commercial Officer

Hassan Bharmal

Hassan Bharmal

Chief Commercial Officer

A well-rounded senior banker with diversified banking experience of over two decades across retail and wholesale banking with a focus on transaction banking – trade finance, supply chain, payments, cash management & advisory. Currently working as a financial advisor with PWC for a Saudi Bank to transform their transaction banking business and enhance revenue. Worked as a trade finance digitization consultant for the Commercial Bank of Dubai. Previously worked with Qatar National Bank Group as Head of International Transaction Banking covering trade finance and cash management. Worked with Standard Chartered Bank for 15 years (11 years in UAE and 4 years in Pakistan), Citibank N.A (4 years) and ABN Amro Bank (1 year). Diversified transaction banking exposure of over 17 years covering working capital finance, supply chain, sales management, product management, implementation of complex banking solutions, treasury transformation, cash and liquidity management, platforms, ecosystem, escrow & account bank solutions.

Alumni of Columbia University NY by successfully completing the Global Banking Program in August 2019 covering Banking, Fintech, Artificial Intelligence, and Digital Transformation.

Lauren Davey

Lauren Davey

Chief People Officer

Lauren Davey

Lauren Davey

Chief People Officer

With over 13 years of experience across different industries, Lauren brings a commercial focus and a deep understanding of aligning people with the company’s purpose and social impact goals. Lauren has a diverse background in a range of industries and a history of working in multinational, matrixed environments, so she is uniquely equipped to handle the complexities of today’s business world.

Munir Hussain

Munir Hussain

Chief Risk Officer

Munir Hussain

Munir Hussain

Chief Risk Officer

Munir has over 17+ years of experience in setting and advancing the corporate strategy, maintaining and sustaining the risk environment within risk appetite, navigating an evolving regulatory framework, fostering innovation in risk and Middle office functions and value creation.

Namrata Sachdeva

Namrata Sachdeva

Chief Financial Officer

Namrata Sachdeva

Namrata Sachdeva

Chief Financial Officer

Namrata is a finance professional and a qualified chartered accountant (All India Rank holder) with an experience of more than 10 years across diverse roles in finance function in the Banking industry.

Global work experience with investment and retail banks such as Goldman Sachs, Macquarie Bank and Dubai Islamic Bank across geographies – USA, Hong Kong, Singapore, UAE and India.