YACIN EL-OUADIH
Risk & Commercial Underwriting Director,
Coface
Speaker Profile
YACIN EL-OUADIH
Risk & Commercial Underwriting Director,Coface
Yacin has over 15 years of international experience across France, Italy, the Netherlands, and the UAE. He specializes in underwriting and credit insurance, with a strong background in financial risk management. Yacin supports GCC companies in achieving sustainable growth by advising CFOs and Credit Managers on trade receivables and protecting international investments. He holds a Master’s in International Management & Business Development from the University of Lyon, along with certifications in Project & Infrastructure Financing and Organizational Leadership from Harvard Business School.
CRYSTAL DSOUZA
Senior Underwriter and Head of Trade Credit,
Markel
Speaker Profile
CRYSTAL DSOUZA
Senior Underwriter and Head of Trade Credit,Markel
Crystal Dsouza is a Senior Underwriter and Head of Trade Credit for the MENA region at Markel. She has over a decade of experience in trade credit insurance and finance, leading regional growth and credit risk governance. Crystal has been key in expanding Markel’s presence in the region. She holds an MBA in Business Strategy and multiple international credit certifications, demonstrating her expertise in credit risk management and strategic planning.
ZENA BRAKE
Credit Director,
Allianz Trade
Speaker Profile
ZENA BRAKE
Credit Director,Allianz Trade
Zena brings extensive experience in credit insurance and banking within the UAE. Since joining Allianz Trade in 2011, she has held roles including Credit Underwriting Team Leader, Head of Credit Assessment, and Credit Director. Previously, she worked at Noor Bank in Dubai, serving in Consumer Banking, Distribution, and Islamic Finance. Zena is a CFA charterholder and a member of the CFA Society Emirates. She holds a Master’s in Applied Finance and Banking from the University of Wollongong.
ABDO RADI
Head of Business Development,
EYERIS International Limited
Speaker Profile
ABDO RADI
Head of Business Development,EYERIS International Limited
Abdo Radi oversees operations across the Middle East and Africa as Head of Business Development at EYERIS. He has extensive experience in receivables management and financing, focusing on trade credit risk solutions. Abdo started his career in factoring with Levant Factors s.a.l. and joined EYERIS in 2013 as a Sales Executive. He has contributed to the development of the TCIS™ system and is involved in marketing, underwriting, and market expansion strategies.
YASMIN BAHGAT
Head of Export Finance & Acting Director of TCI,
Etihad Credit Insurance
Speaker Profile
YASMIN BAHGAT
Head of Export Finance & Acting Director of TCI,Etihad Credit Insurance
Yasmin is part of the Trade Credit Insurance and Export Finance team at Etihad Credit Insurance (ECI), the UAE’s federal export credit company, with a background in corporate and project finance. She focuses on structuring credit solutions for UAE exporters, particularly in sectors such as non-oil commodities, green energy, and infrastructure. Her work involves close coordination with lenders, ECAs, and reinsurers to support cross-border trade and investment.
VARUN DIVECHA
Head of Commercial,
Atradius
Speaker Profile
VARUN DIVECHA
Head of Commercial,Atradius
Varun Divecha has nearly 20 years of experience in financial services. He began in banking, developing expertise in financial analysis and operations over seven years. Transitioning to credit insurance, he has spent the past 12 years managing accounts, leading regional teams, and shaping market strategies. Varun supports businesses in mitigating credit risk across local and international markets through strategic leadership.
SANKAR RAMACHANDRAN
Growth Leader, Credit Specialty – MENA,
Marsh
Speaker Profile
SANKAR RAMACHANDRAN
Growth Leader, Credit Specialty – MENA,Marsh
Sankar Ramachandran brings 18 years of experience in credit insurance, delivering tailored solutions for managing credit risk. Formerly Head of Distribution at Coface, he demonstrated strategic leadership during his 8-year tenure, including roles like Head of Direct Sales for GCC. His background includes positions at Tasdeer, Euler Hermes, and Morison Menon, where he started his career in sales and relationship management.