About Us

LuLu Financial Holdings is a UAE based holding company investing in financial services and products to improve people’s lives.

The company’s investments span the GCC, Indian sub-continent, and APAC regions.


Presence in

0 Countries

Managing Annual Transactions worth

USD 0+ Billion

Vision & Mission


Innovate Value, Inspire Experiences


To enhance value of investments by designing inspiring customer experiences built on technology and collaborative partnerships



Adeeb Ahamed

Managing Director

Mr. Adeeb Ahamed leads Lulu Financial Holdings as its dynamic founding leader. In a little over a decade, he has taken the holding company to great heights, investing into robust services and products across the world, to create an ecosystem of financial inclusion. Mr. Adeeb holds a Bachelor of Business Administration from Les Roches, Switzerland and a Master of Business Administration in International Management from Royal Holloway, University of London.


Osama Al Rahma

Independent Director

Mr. Osama is an industry influencer and thought leader, holding several decades of experience in the payments industry. He is a former Director of Al Fardan Group, and the former CEO of Al Fardan Exchange LLC


Richard Wason

Chief Executive Officer

Mr. Richard Wason has an experience of 30 long years in the financial services field, specializing in the money transfer business.


Unnikrishnan Menon

VP – Banking & Investments

Mr. Unnikrishnan Menon is a seasoned professional, holding over 30 years of extensive cross-functional experience in Corporate & Commercial Banking, Credit & Financial Analysis, Trade Finance, Credit Administration, Retail / Consumer Banking and related areas across the Banking Sector. He is also associated with Twenty14 Holdings and Tablez in the capacity of Vice President & Head - Banking & Investments. He has formerly worked with prominent banks in Oman and India across several designations.


Christos Christou

Chief Compliance Officer

Mr. Christos is an Associate of the Chartered Banker Institute (London, UK) and a holder of a Master’s in Business Administration from the University of Liverpool (UK).


Joby Abraham

AVP – Finance

Mr. Joby Abraham is a Member of Institute of Management Accountants of United States of America, and a Member of Institute of Cost Accountants of India.


Our Investments


“Our investment philosophy hinges on Simplifying Payments for Modern Problems”

We invest in people (human capital) who build learning organizations to simplify payment solutions through digital innovation and collaborative effort, with a strong focus on advancing customer experiences.