Khalid Howladar, a seasoned expert in credit, risk, and sukuks, has an impressive career spanning multiple countries and industries. Currently serving as the Senior Managing Director and Head of Credit and Sukuk Advisory at R.J. Flemings & Co., he has also acted as a partner at Acreditus, chairman of MRHB DeFi, chief strategy and risk officer at Blossom Finance, and board member of several companies. Khalid's expertise extends to Islamic finance, fintech, biotech, and crypto, as evidenced by his investments in startup ventures. A highly regarded thought leader in the field, Khalid has educated and engaged stakeholders at several international forums and universities, including the WBG, IMF, and London Business School. He has published various articles in finance journals and books on subjects such as credit risk, securitization, sukuk, ratings, Islamic finance, and fintech. Khalid has diverse educational credentials, holding an MSc from London Business School and Imperial College London, and a BEng from Imperial College London.