Flexible financing solutions for financial stability!

At Creditline, we believe confident financial decisions start with clear information and a sound understanding of the available options. We aim to simplify financing and help our customers make choices that suit their needs and aspirations.

We offer Sharia-compliant financing that meets individuals’ needs quickly and easily through a digital experience, without complicated paperwork or branch visits.

We explain the terms and obligations from the outset, so every customer understands their choices and what they involve.

To be individuals’ first choice for meeting their financial needs through a simple, trusted digital experience that fits their lifestyle and helps them achieve their ambitions.

2024
Year established

Creditline Board of Directors

Creditline’s Board of Directors brings together diverse expertise to guide the company and develop its services. The Board supports the company’s growth, focusing on financing solutions that meet customers’ needs and earn their trust.

Chairman of the Board
Faisal bin Saber Al-Yousef

Holds a master’s degree in Finance and a bachelor’s degree in Information Systems from King Saud University, and completed an executive leadership development program at Harvard Business School. He has more than 17 years of experience in the financial and technology sectors. He served as Chief Business Officer at Alinma Bank’s fintech and payments subsidiary, then as CEO of Tecmo, and currently serves as CEO of Tawreed Financing Solutions.

Managing Director (Non-independent Member)
Ali bin Ibrahim Al-Oraini

Holds a bachelor’s degree in Information Systems from King Saud University and has completed specialist programs in statistics, data science, and machine learning engineering. He has several years of experience in technology, data, artificial intelligence, and fintech, including leadership and technical roles. He is currently Co-founder and CEO of Malaa, having previously worked as a Data Scientist at Mozn and a Data Analyst at Elm.

Independent Member
Turki bin Abdulaziz bin Marshoud

Holds a master’s degree in Finance and a bachelor’s degree in Information Systems from King Saud University, and completed an executive leadership development program at Harvard Business School. He has more than 17 years of experience in the financial and technology sectors. He served as Chief Business Officer at Alinma Bank’s fintech and payments subsidiary, then as CEO of Tecmo, and currently serves as CEO of Tawreed Financing Solutions.

Independent Member
Hassan bin Marzouq Al-Harbi

Holds an MBA from Carlos III University in Spain and a bachelor’s degree in Business Administration from the University of Pittsburgh in the United States, and completed the Misk 2030 Leaders program. He has more than thirteen years of experience in investment, business development, and executive leadership. He is currently Founder and CEO of Deyom and previously served on Malaa’s Board of Directors, alongside leadership roles at Stelix and experience at Fama Holding and Olayan Financing.

Non-independent Member
Faisal bin Ghalib Al-Qarni

Holds an MBA from Carlos III University in Spain and a bachelor’s degree in Business Administration from the University of Pittsburgh in the United States, and completed the Misk 2030 Leaders program. He has more than thirteen years of experience in investment, business development, and executive leadership. He is currently Founder and CEO of Deyom and previously served on Malaa’s Board of Directors, alongside leadership roles at Stelix and experience at Fama Holding and Olayan Financing.

Audit Committee

Committee Chairman
Abdullah bin Fouad Al-Nahdi

Holds an MBA from Stetson University in the United States and a bachelor’s degree in Management Information Systems from King Fahd University of Petroleum and Minerals. He is a Certified Management Accountant (CMA) and a member of the Saudi Organization for Chartered and Professional Accountants (SOCPA). He has more than fifteen years of experience in financial management, accounting, financial planning, and corporate finance.

He currently serves as Chief Financial Officer at SNB Capital and Chairman of the Audit Committee at SNB Capital Saudi Arabia – Dubai. He previously worked at Saudi Aramco, Dr. Soliman Fakeeh Hospital, Siemens, and SABIC.

Member
Ibrahim bin Othman Al-Furaih

Holds a bachelor’s degree in Accounting from King Saud University and has more than ten years of experience in compliance, governance, risk management, and internal audit. He is currently General Manager of Compliance at the Royal Commission for AlUla. He previously served as Compliance Director at the National Water Company and held internal audit roles at Banque Saudi Fransi, Saudi Fransi Capital, and Arab National Bank.

Member
Faisal bin Ali Al-Sheikh

Holds a bachelor’s degree in Civil Engineering from King Saud University and professional certifications in project management and risk management. He has led and carried out compliance and operational audits, developed control methodologies, and assessed cybersecurity and data management requirements. He currently serves as Assistant Director of Internal Audit at Diriyah Gate Development Authority, having previously worked as an Internal Audit Specialist and Senior Analyst at the Public Investment Fund.

Sharia Committee

The Sharia Committee oversees the compliance of the company’s operations, products, and contracts with the rules and principles of Islamic Sharia. It provides Sharia opinions, approves products and financing structures, and submits recommendations to the Board of Directors within the company’s Sharia governance framework as an institution licensed and supervised by the Saudi Central Bank.
Sharia Committee Member
Dr. Khalid bin Abdullah Al-Muzaini

Holds a PhD and master’s degree in Sharia Policy from the Higher Institute of Judiciary at Imam Mohammad Ibn Saud Islamic University, and a bachelor’s degree from the university’s College of Sharia. He has authored or supervised more than 50 training packages in jurisprudential, legal, and financial skills, contributed peer-reviewed research on financial transactions, zakat, and Islamic finance, and developed academic programs for Sharia and law colleges.

He has held several academic and advisory positions. He is an Associate Professor of Fiqh at King Fahd University of Petroleum and Minerals and serves on the Sharia boards of financial institutions and platforms including Awaed, Alkhabeer Trading, International Islamic Commercial Bank (UAE), and Tabby Saudi Arabia.

Sharia Committee Member
Dr. Ahmed bin Saleh Al-Ghamdi

Holds PhD, master’s, and bachelor’s degrees in Islamic Economics from Umm Al-Qura University in Makkah. He has supervised postgraduate theses at King Abdulaziz University and published peer-reviewed research on Islamic finance, endowments, zakat, and digital currencies, alongside delivering training programs and participating in academic conferences.

He has held several academic and advisory positions. He is currently an Associate Professor in the Department of Sharia and Islamic Studies at King Abdulaziz University in Jeddah and serves on the Sharia committees of financing companies including Hala Finance, Tamam Finance, Alaan Gulf Micro-Consumer Finance, and Khazna Finance.

Board of Directors’ Reports