As a Saudi-based financial consulting company, Ektis empowers diverse financial entities to address critical challenges while strengthening core capabilities.
financial services advisory professionals across strategy, product & execution
years of combined sector experience
financial services advisory professionals across strategy, product & execution
of projects delivered with repeat client involvement
To reimagine financial consulting for a new era: where ideas move fast, execution runs deep, and results speak louder than reports.
We work as an extension of our clients, partnering with financial institutions to translate ambition into measurable results. By combining strategic clarity, executional discipline, and creative problem-solving, we deliver lasting impact and build internal capability that endures.
At Ektis, we uphold the discipline and ownership expected from experienced business consultants. This ensures strategy moves into action, adapts when required, and delivers impact that is visible in outcomes more than intentions.
As a specialized financial consulting firm, our people serve clients with deep financial services knowledge and a readiness to apply innovation where it creates a practical advantage.
Our goal is to enable institutions to grow, compete, and set new benchmarks in their markets. Close collaboration allows for alignment, responsiveness, and the agility required to move decisively as priorities evolve.
Ektis places accountability and transparency at the center of its work. We provide independent, practical advice grounded in the operating environments our clients navigate, supporting leaders to make confident decisions.
As a financial consulting partner, we nurture potential by embedding solutions that work across contexts. The emphasis remains on approaches that hold over time, supporting consistent outcomes rather than short-term gains.
Saud Makki is a strategy and finance executive with extensive experience in audit, risk advisory, financial reporting, and management consulting within the Middle East’s banking sector. He began his career at EY and Deloitte Middle East before moving into a financial reporting role at Samba, where he contributed to the CFO Committee and Subcommittee at the Saudi Central Bank (SAMA).
He went on to hold senior consulting positions at PwC Middle East and, most recently, served as a Principal at Kearney. His expertise combines technical depth with strategic advisory work in financial services, with a focus on corporate and investment banking. Saud holds a BSc from the Lebanese American University and an MSc from the University of Leeds.
Abid Khan brings 28 years of specialized experience across retail banking, wealth management, and private banking, developed through senior roles in the United Arab Emirates, Pakistan, and Central Asia. He has managed large branch networks, led high-value client segments, and designed sales, distribution, and service strategies in highly competitive environments.
His career includes senior positions at ADCB, RBS, ABN AMRO, Standard Chartered, and LGT, where he built strong relationship management teams, grew priority and affluent portfolios, and strengthened wealth advisory capabilities. As a CISI Level 3 Certified Wealth Manager, Abid combines frontline commercial experience with a deep understanding of client needs, risk management, and product suitability.
Ather Marwat is a financial services leader with over 23 years of experience advising senior executives on strategic growth, performance improvement, and organizational capability building. He has worked across more than eight countries in developed and emerging markets, bringing deep expertise in diverse regulatory systems and operating environments.
Athar leads cross-market initiatives, shapes sector-wide transformation programs, and supports financial institutions navigating complex industry change. He is a member of the Institute of Chartered Accountants in England and Wales (ICAEW) and remains actively engaged in strengthening the financial ecosystems across the region.
Adnan Khan is a senior retail and consumer banking leader with more than 30 years of experience driving credit, risk, and retail performance across Islamic and multinational financial institutions. He has led major portfolios at Citibank, ABN AMRO/RBS, Al Rajhi Bank, NIB Bank, and the Commercial Bank of Dubai, overseeing product development, digital adoption, distribution strategy, and end-to-end risk management.
4Adnan is known for strengthening controls and improving commercial outcomes. He has built resilient teams, advanced enterprise-wide transformation initiatives, and shaped operating models for large, fast-growing retail businesses.
Ami Cosgrove brings over 20 years of experience across data, technology, and financial services transformation in the Middle East. During her 17-year tenure at PwC, she led major initiatives that strengthened governance, modernized operating models, and enabled human-centered change across regional institutions.
As Chief Operating Officer, she drives execution by setting clear priorities and enabling teams to deliver outcomes that translate into real-world impact. Known for her calm leadership and ability to bring structure to complex environments, Ami focuses on making transformation practical, sustainable, and meaningful for the people who drive it.
Zara Basharat Higgs is a senior communications and public policy leader with 18 years of international experience across media, technology, FMCG, telecommunications, and the development sector. She has guided complex regulatory and reputational mandates, built regional policy programs, and led cross-market teams for global organizations including TikTok, Jazz, PepsiCo, Nestlé, the World Bank, and the United Nations Information Centre.
Her work spans narrative development, stakeholder engagement, sustainability strategy, and advisory roles with startups and nonprofits across the MEA region. She holds an MBA from London Business School and has completed executive programs at the University of Pennsylvania. She is also a Boehm Media Fellow, Women’s Impact Alliance Fellow, and IVLP alumna.
Hamza Sajjad Sarwar is a financial services professional and CFA charterholder with experience across audit, compliance, operational finance, and advisory roles for regional and global institutions. He developed early expertise through roles at Service Industries Limited, Shell, EY, and Coca-Cola Beverages Pakistan before transitioning into consulting.
He later progressed through financial sector advisory roles at PwC and then Kearney, where he advanced to Manager and was nominated for the Global Kearney Values Awards in 2024. Hamza holds a Bachelor of Science in Accounting and Finance from Lahore University of Management Sciences, where he was on the Dean’s Honor List.
Antel Sagia brings an engineering background and a career centered on modernizing financial institutions through digital transformation. He began his career in a technical role at Emirates NBD before moving to Emirates Islamic and later transitioning into management consulting. He spent four years at PwC Middle East and later served as an Engagement Manager at McKinsey & Company.
His work focuses on retail banking growth, payments, digital banking, and customer experience. Antel is PMP- and PRINCE2-certified and holds additional project management, fintech, and digital strategy credentials.
Mehrunnisa Khan is a consultant with experience in strategy, communications, and institutional engagement across public and private sectors. She has worked at Kearney in Riyadh and with Karandaaz in Pakistan, EXIM Bank of Pakistan, and Total, supporting research, communications, and stakeholder-focused initiatives across development finance, banking, and corporate environments.
She is skilled in collaborating with cross-functional teams and senior stakeholders in Pakistan and Saudi Arabia. Mehrunnisa holds a Master of Science from SOAS University of London and a Bachelor of Science from Lahore University of Management Sciences.
Seham Ahmad is a finance and consulting professional with experience in strategy execution, financial planning, and performance management in the Middle East and South Asia. She was a Consultant at Kearney, supporting clients with financial modeling, strategic planning, and data-driven decision-making.
Prior to consulting, she spent over eight years at Coca-Cola CCI, holding finance roles across budgeting, commercial business partnering, and regional financial operations. Seham holds a Bachelor of Science in Accounting and Finance from Lahore University of Management Sciences.
Roman Kurov is a management consultant with six years of local and cross-border experience across the financial services and retail sectors. His experience includes payments, banking, and SME-focused solutions, with expertise in customer journey design, segmentation, digital product development, including mobile applications, and go-to-market strategy.
He has held roles at Kearney and Mastercard Data & Services, where he led initiatives spanning loyalty programs, organizational structures, and risk management, and used data analysis tools, including Python, Alteryx, Tableau, VBA, and big data analytics. Roman has delivered projects across Russia and the Middle East, working with diverse markets and operating contexts.
Ektis is growing with people who value integrity, commitment, and genuine contribution. We work closely with institutions that depend on strong financial expertise, particularly in business strategy consulting for financial institutions, and we look for individuals who understand the weight of that responsibility. If you want your work to matter, there’s a place for you here.
