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Husain Cuttleriwala

Shariah Governance Advisor | Helping UAE Banks Build Islamic Windows That Actually Work | 40 Years — Emirates NBD & RAKBANK
28.4 yrs experienceBanking
Sep 2012

The move

MovePRS Business Management Consultants → RAKBANK
TitleAssociate Consultant → Head of Internal Sharia Control Department
LocationDubai → Dubai Silicon Oasis
Career arcRecent arrival
Cross-border moveYes · United Arab Emirates → Dubai
Years in UAE14.4
Total experience28.4 years
RAKBANK headcount1,001-5,000 employees
RAKBANK industryBanking
RAKBANK HQRas Al Khaimah, Ras Al Khaimah
RAKBANK founded1976
RAKBANK typePublic Company

Career arc

  1. Senior Strategic AdvisorApr 2025 — Present
    Ebdaa IFC· United Kingdom· Contract
  2. Head of Internal Sharia Control DepartmentSep 2012 — Oct 2024
    RAKBANK· Dubai Silicon Oasis, Dubai· Contract
  3. ConsultantMar 2010 — Aug 2012
    RAKBANK
  4. Associate ConsultantFeb 2010 — Apr 2010
    PRS Business Management Consultants
  5. AVP-Account Relationship CentreSep 2007 — Jan 2010
    Emirates NBD· Dubai, United Arab Emirates· Full-time
  6. Senior Divisional Head-Retail Credit OperationsMar 2006 — Sep 2007
    National Bank of Dubai
  7. Branch Operations Manager-Main BranchFeb 2004 — Mar 2006
    National Bank of Dubai
  8. Branch Operations Manager-Deira City CentreMay 1997 — Feb 2004
    National Bank of Dubai

Education

Top skills

Corporate FinanceInternet BankingBusiness StrategyBankingFinancial RiskCredit Risk

About

Most bank's launching an Islamic Window get the sequence wrong. They build the products first and the governance framework second, then spend years fixing problems that should never have existed. I helped Bank's get the sequence right. Over 40 years in UAE banking including senior leadership roles at Emirates NBD and RAKBANK, I have sat inside the institutions where these decisions are made. I have seen what works, what fails, and why governance shortcuts always costs more than they save. Today I work as a strategic advisor to bank's, fintechs, and regulators across the region, focusing on three areas: Shariah Governance Frameworks - Building the internal architecture that ensures Shariah compliance is a foundation and not a feature. ISSC structuring, fatwa documentation, Shariah aud

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