Khushie Mallya joins The Dollar Diaries to discuss her transition from agency PR to an in-house PR role within the events and construction sector. She contrasts the fast-paced, multi-client chaos of agency life with the more focused, structured environment of corporate communications, explaining how each setting shaped her media relationships, networking habits, and day-to-day responsibilities. Khushie also shares practical job-search advice for the UAE market—timing applications to company fiscal calendars and leveraging personal connections and LinkedIn to secure opportunities.

The conversation shifts to the realities of working and living in Dubai: visa and hiring constraints, commission-driven roles with little safety net, and the financial trade-offs migrants face when converting earnings to home-currency value. Khushie describes how she saved from early, low-paid work, pooled resources with family, and bought property at a young age—illustrating disciplined financial choices, views on credit cards and debt, and the importance of financial literacy.

On the personal side, Khushie reflects on growing up across multiple schools and how that shaped her social skills and adaptability in a diverse expat city. She emphasizes the value of strong mentors, psychological safety at work, and authentic feedback, noting that trust and autonomy from managers are key “green flags,” while micromanagement and incompetence in leadership are red flags. The episode closes on practical tips for socializing in Dubai—meetup groups, hobby nights—and the importance of balancing work demands with downtime and personal priorities.

In this episode of The Dollar Diaries podcast, Rizwan Tufail, Group Chief Data Officer at PureHealth, shares profound insights into the evolving nature of careers and leadership in the modern workforce. Emphasizing the shift away from traditional lifelong careers, Rizwan highlights the importance of continuous learning, humility, and adaptability. He challenges the assumption that senior leaders always possess superior knowledge, pointing out that younger team members often bring advanced technical expertise, fostering a culture of mutual growth and introspection.

Rizwan delves into the intersection of AI, data, and healthcare, underscoring both the transformative potential and the ethical challenges inherent in these technologies. He illustrates how AI is already aiding in early cancer detection, improving survival rates by identifying diseases before clinical symptoms emerge. Yet, he cautions against over-reliance on AI, emphasizing the necessity for governance, contextual awareness, and the critical human element in utilizing AI responsibly—particularly in sensitive areas like healthcare and finance where the stakes are highest.

Beyond technology, Rizwan reflects deeply on purpose-driven work. Drawing from his experiences teaching civil society leaders and his personal mission to impact lives positively, he advocates for meaningful careers fueled by a sense of purpose rather than just financial outcomes. He encourages individuals and organizations alike to help people discover their unique calling, arguing that true leadership is the act of guiding others through challenges toward their objectives. This episode offers a compelling blend of technological foresight and heartfelt wisdom on leadership, ethics, and the human spirit in the digital age.

In this episode of The Dollar Diaries podcast, M Junaid Khan, Group Chief of Planning, Performance, and Business Excellence at PureHealth, shares insights from his extensive career journey across telecom and healthcare sectors, highlighting the importance of adaptability and calculated risk-taking. He discusses how shifting roles and industries intentionally has contributed to his professional growth, emphasizing that core managerial skills transcend industry boundaries. Junaid stresses the significance of meticulous career planning while remaining open to opportunities that challenge one's comfort zone, noting that these strategic moves are essential for continuous learning and leadership development.

Junaid reflects on the rapid transformation of cities like Dubai and the expanding role of technology in business and society. He advocates for embracing technological advances such as AI and machine learning, viewing them as critical tools for future success rather than threats. Drawing parallels between organizational turnarounds and piloting aircraft, he explains the complexity and precision required to navigate large enterprises, especially in critical sectors like healthcare. This analogy reinforces his leadership philosophy that every decision impacts thousands of lives, urging leaders to work beyond themselves with a focus on lasting legacy and societal benefit.

The discussion also touches on broader topics such as the democratization of knowledge through technology, financial principles including capital structure considerations, and the evolving workplace dynamics prompted by the COVID-19 pandemic. Junaid highlights the importance of hybrid work models and effective communication in maintaining business continuity. Throughout the episode, he underscores the balance between technological advancement and human-centric leadership, advocating for inclusive growth and continuous innovation while acknowledging the challenges faced by diverse populations worldwide.

Meet the Team:

A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, M&A, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew.

Chapters:

00:00 - 00:27 - Trailer

00:27 - 03:12 - Early career

03:12 - 08:50 - Life across the GCC

08:50 - 10:51 - Rapid growth of Dubai through the decades

10:51 - 13:27 - Career pivots

13:27 - 17:06 - Embracing change and career adaptability

17:06 - 21:00 - COVID, crisis management & leadership lessons

21:00 - 23:34 - Work-from-home vs hybrid work models

23:34 - 29:00 - Managing multiple roles & leading through delegation

29:00 - 33:00 - Learning finance & cross-functional leadership

33:00 - 38:50 - Rethinking debt, dividends & Islamic finance principles

38:50 - 43:40 - Turnarounds explained

43:40 - 46:03 - Legacy, leadership & impact

46:03 - 53:00 - AI, machine learning & future of technology

53:00 - 1:02:17 - Technology & inequalities

In this episode of The Dollar Diaries podcast, host Aditya Poddar interviews Sadiq Ansari, Group Chief Risk & Compliance Officer at Al Ansari Financial Services, who shares his unique journey into the financial crime compliance field. Originally a chartered accountant and treasury professional, Sadiq stumbled into financial crime regulation while working at the UAE Central Bank. Over his 16-year career, he gained extensive experience managing financial crime risks, contributing to sectoral regulations, and participating in international evaluations, ultimately shaping him into a seasoned expert in the discipline. He highlights the evolving nature of financial crime compliance as a formal career path, which was previously informal and often stumbled upon by chance.

Sadiq discusses some of his most challenging cases, including the high-profile meltdown of UAE Exchange and their takeover by the central bank, where he worked intensively to safeguard stakeholders' interests. He emphasizes that financial crime compliance extends beyond banks to encompass customs, law enforcement, and legislative bodies, showing the complexity and interdisciplinary nature of the field. Drawing from his experience, he underscores the importance of strong leadership, oversight, and a risk-based approach to compliance. He explains how Al Ansari Financial Services has integrated rigorous risk management frameworks across multiple jurisdictions, balancing regulatory requirements with investor appetite, and nurturing transparent governance to mitigate both financial and reputational risks.

The episode further explores how financial institutions adapt to rapidly changing regulatory landscapes, the critical role of collaboration with legal teams and regulators, and the increasing incorporation of technology in compliance functions. Sadiq stresses that while technology and innovation are vital, risk awareness must remain central, and compliance officers must be embedded in the development process to manage new risks effectively. Concluding on a forward-looking note, he views the region’s financial crime compliance environment as evolving and promising, with growing formalization and increased awareness offering exciting career opportunities. His positive outlook highlights the expanding role of risk and compliance professionals amid ongoing fintech advancements and regulatory enhancements.

A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, M&A, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew.

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Chapters:

00:00 - 00:23 - Trailer

00:23 - 01:00 - Guest intro

01:00 - 05:05 - Journey into financial crime regulation at UAE Central Bank

05:05 - 06:34 - Education & qualifications for financial crime compliance

06:34 - 10:59 - UAE Exchange collapse

10:59 - 15:19 - Oversight, leadership, and avoiding organizational failures

15:19 - 20:55 - Risk frameworks & evolving compliance in UAE, Kuwait, Bahrain

20:55 - 25:31 - Corporate governance, board dynamics & investor relations

25:31 - 32:57 - New risks, acquisitions & regulatory evolution

32:57 - 37:59 - Consulting vs corporate world

37:59 - 43:46 - Managing regulators, legal teams & reputational risk

43:46 - 47:47 - Tech in compliance & future of risk management in the region

47:47 - 48:31 - Closing thoughts & positive outlook

In this episode of The Dollar Diaries podcast, Dr. Anuraag Guglaani, Chairperson at Wazir Holdings and a seasoned board member of multiple family businesses across the Middle East, Africa, Asia, and the USA, shares his extensive insights on business leadership, family business dynamics, and organizational transformation. Drawing on his rich experience spanning over 30 years and 24 industries, Dr. Guglaani highlights the unique challenges faced by family businesses, especially the difficult transition between generations. He emphasizes the importance of managing relationships and expectations to ensure successful integration of younger family members into established businesses while encouraging innovation and disruption through collaboration with startups.

Dr. Guglaani also discusses the evolving nature of work culture, employee retention, and leadership, reflecting on how family businesses can adopt more flexible and growth-oriented practices, such as embracing freelancing and milestone-based engagements. He stresses the significance of building effective interpersonal relationships in the business environment of the UAE, where success often hinges on trust and cultural understanding rather than mere transactions. Furthermore, he addresses the need for holistic education reform, advocating for early exposure to entrepreneurship and real-world business challenges to better prepare future leaders and foster sustainable business growth.

Throughout the conversation, Dr. Guglaani interweaves personal philosophies on discipline, commitment, and mental wellness, shaped by his Armed Forces background, underlining how these attributes contribute to effective leadership and a fulfilling life. He elaborates on the increasing importance of diverse skill sets at the board level, especially technology risk and innovation, and advocates for gender and generational diversity in organizational decision-making. Ultimately, the episode offers a deep dive into the complexities of family business evolution, cultural nuances in business, and the forward-looking strategies necessary to thrive in a rapidly changing global economy.

Chapters:

00:00 - 00:32 - Trailer

00:32 - 01:18 - Guest introduction

01:18 - 02:02 - Drive, traffic & urban planning in Dubai

02:02 - 05:02 - Rapid growth, multicultural challenges & retail training

05:02 - 10:51 - Family businesses & generational challenges

10:51 - 14:19 - Freelancing vs full-time: shifting work culture

14:19 - 20:59 - Golden handcuffs, lifestyle debt & job attachment

20:59 - 24:37 - Renting vs owning: mindset of the younger generation

24:37 - 29:34 - Personal discipline, morning routine & fulfillment

29:34 - 36:04 - Armed forces training & discipline as commitment

36:04 - 42:06 - Education system flaws & Arabic language learning

42:06 - 47:34 - Family business transitions & startup integration

47:34 - 52:21 - Relationship vs transactional business culture in UAE

52:21 - 55:04 - Innovation case study: CAFU & fuel delivery

55:04 - 01:02:49 - Closing reflections

In this insightful episode featuring Ramkumar Balasubramaniam, CFO of Barclays MEA, the discussion delves deep into the evolving role of a CFO beyond traditional financial stewardship. Ramkumar emphasizes the importance of CFOs adopting a holistic mindset, understanding the broader business drivers, and not merely being gatekeepers who say no. Drawing from his extensive experience transitioning from engineering and marketing roles to finance leadership, he highlights how a comprehensive view enables CFOs to shape strategy effectively, akin to seeing the entire elephant rather than just a part of it.

Ramkumar also shares valuable lessons on leadership, innovation, and continuous learning. He stresses the curse of expertise, wherein experienced professionals might lose curiosity and become resistant to change, and advocates for fostering a culture of innovation and psychological safety within teams. His storytelling approach, using analogies like the five monkeys experiment and the elephant parable, illuminates the necessity of mindset shifts to embrace failure, upskilling, and constructive change. Moreover, he underlines the critical role of streamlining foundational processes before embracing advanced digital transformations like AI, cautioning against premature or overly complex solutions.

On technology and future trends, Ramkumar advocates for moving legacy financial systems to the cloud to enable agility and integration with innovative fintech solutions. He encourages finance professionals to gain multi-functional experience across financial control, FP&A, and treasury to build versatility in a rapidly evolving landscape. Lastly, he reflects on the legacy he wishes to leave—a legacy of stewardship marked by enduring improvements and purposeful self-validation, embodying dedication to continuous progress within Barclays MEA and his teams.

Chapters:

00:00 - 01:02 - Intro

01:02 - 04:09 - CFO Role & Big Picture

04:09 - 07:38 - Career Journey to Banking

07:38 - 10:57 - Transition to Finance

10:57 - 16:17 - Barclays & Regional Strategy

16:17 - 20:06 - Regulation & Learning

20:06 - 23:56 - Curse of Expertise

23:56 - 27:12 - Digital Transformation & AI

27:12 - 30:04 - Failures & Lessons

30:04 - 33:40 - Storytelling & Leadership

33:40 - 36:45 - Cloud & Innovation

36:45 - 39:01 - Advice for Future CFOs

39:01 - 43:33 - Geopolitics & Risk

43:33 - 45:26 - Quickfire Round

45:26 - 46:11 - Legacy & Purpose

46:11 - 46:48 - Closing Remarks

In this episode, Vuk Zlatarov, Co-founder and CEO of Poddster and Podyx, shares his entrepreneurial journey that began in Dubai with a software development company called Creaitive Ventures. He discusses the challenges of the traditional agency model, leading him to pivot towards venture building and eventually founding Poddster, a podcast studio concept designed to create meaningful professional networks through podcasting. Vuk emphasizes the importance of committed and capable founders in startup success and highlights how his transition into podcasting allowed him to build a vibrant professional community and scale his business effectively.

Vuk provides valuable insights into fundraising and the startup landscape in the MENA region, debunking common misconceptions about angel investors by revealing that many are everyday people within one’s personal network rather than formal investors. He stresses the importance of building genuine relationships and strategic networking well before seeking investments. On the topic of podcasting, Vuk highlights the significance of having a clear niche and promise to the audience to grow and retain listeners and explains how passion should drive content creation before monetization is considered. He also discusses the unique challenges and opportunities in monetizing podcasts, particularly in the Gulf region.

Further, Vuk explains the creation of Podyx, a technology platform spun out from Podster to streamline operations for podcast studios globally by consolidating various business tools. Looking ahead, Vuk is optimistic about the future of podcasting, predicting that advancements in AI and technology will enhance content quality and accessibility, leading to increased engagement and industry growth. His experiences underscore the evolving media landscape in Dubai and the broader region, where podcasting is gaining recognition as a powerful platform for storytelling and business networking.

Chapters:

00:00 - 00:28 – Trailer

00:28 - 03:42 – Introducing Vuk

03:42 - 10:48 – Lessons from Venture Studios Why Founders Matter

10:48 - 13:38 – Angel Investors: Myths, Misconceptions Reality

13:38 - 20:28 – Birth of Poddster Why Podcasting Beats Networking Events

20:28 - 26:31 – Building Communities

26:31 - 32:06 – Podcasting in Dubai: English vs Arabic Content

32:06 - 42:48 – Financing Businesses Early Monetization Challenges

42:48 - 50:00 – How to Monetize a Podcast (Sponsors, Guests, Partnerships)

50:00 - 52:49 – Starting a Podcast: Passion, Promise Positioning

52:49 - 57:06 – Podyx: Tech Tools for Podcast Studios

57:06 - 59:28 – The Future of Podcasting AI in Content Creation

59:28 - 1:01:29 – Closing Remarks

In this episode, Yulia Malova, a numerologist, delves into how numerology serves as a psychological tool to understand oneself rather than a method for predicting the future. She explains that numerology combines ancient mathematics and spirituality, tracing its roots to Pythagoras, and interprets the matrix of life through numbers found in everything around us, such as birth dates, car plates, and phone numbers. Yulia emphasizes that numerology helps identify core life programs and archetypes through 35 numbers, with a focus on five main numbers that reveal insights about personality, career, and financial potential. She stresses that while numerology highlights innate strengths and challenges, it requires personal effort and transformation—numbers do not work magically.Yulia shares how she integrated numerology into her life and career, initially driven by curiosity and a desire for personal development. She illustrates how understanding her own numbers guided her path toward sales, marketing, and social media, helping her harness her natural talents for growth. She also offers practical examples of how numerology can identify obstacles like suppressed anger or karmic patterns, which, once addressed through therapeutic methods, help individuals overcome recurring life issues such as toxic relationships or career dissatisfaction. Importantly, she frames numerology as a coaching and transformational program that complements psychology, especially sought after in cosmopolitan environments like Dubai.The discussion further explores the archetypes of the nine core numerology numbers and their corresponding traits, from leadership and creativity to spiritual maturity and financial acumen. Yulia highlights the importance of balancing energies—such as emotional openness and control—and how these codes influence career choices and interpersonal dynamics. She acknowledges the challenge of overcoming cultural superstitions around numerology and stresses her stance against using it for deterministic predictions or superficial changes like altering names for luck. Ultimately, Yulia presents numerology as a powerful self-awareness tool that, when combined with proactive work, helps people align with their true purpose and live a more fulfilling life.⚠️ Disclaimer: The team behind The Dollar Diaries podcast does not endorse or believe in numerology. Numerology is not considered a real science but rather a system of belief that assigns symbolic meanings to numbers. It is not supported by scientific evidence and is often categorized as pseudoscience or a form of divination. Any discussion of numerology on this podcast, including interpretations provided by Yulia Malova is intended solely as a conversational exploration and experimentation. It should not be taken as factual, scientific, or financial advice.

In this episode, Rayana Masri, a senior communication and content executive at BPG Group, shares her inspiring journey of balancing work, lifestyle and education while making significant strides in the media and PR industry. Starting her career during her second year at university, Rayana navigated the pressures of academics alongside long hours at a production house, which helped shape her strong work ethic and professional skills. She emphasizes the importance of real-world experience over theoretical knowledge, highlighting how her internships taught her more about the industry than university courses.Rayana also discusses the critical role of networking and relationship-building in her career progression, illustrating how maintaining long-term contacts has opened unexpected opportunities, such as her transition from production to PR. She clarifies the dynamic nature of PR beyond press releases, focusing heavily on event attendance and personal connections. Creativity and storytelling also remain central to her work, and she critiques the region's current PR landscape for lacking innovation compared to global standards, while expressing hope for more original campaigns in the future.Throughout the conversation, Rayana candidly addresses ethical considerations within PR, defending the concept of "white lies" as an acceptable balance between honest communication and effective marketing. She shares her aspirations to one day combine her production and PR expertise to create meaningful content that highlights Lebanese culture and stories. Ultimately, Rayana portrays herself as a driven professional committed to growth, creativity, and maintaining authenticity in an evolving media landscape.

In this episode of The Dollar Diaries, Nourhan Fahmy, Associate Producer at Moniify , shares insights into her role and the competitive media landscape in Dubai. Nourhan explains that as an associate producer, she supports the newsroom by helping reporters and producers with research, data gathering, and producing her own articles. She emphasizes the importance of networking in Dubai’s media industry, highlighting face-to-face interactions and relationship building as key to career opportunities. Nourhan also discusses the diverse and dynamic media environment, where standing out requires creativity and delivering engaging, non-repetitive content.Nourhan provides an overview of Moniify’s unique approach, focused on informing Gen Z and millennials about financial topics without giving direct financial advice. The platform aims to present facts and market insights in an accessible manner, often collaborating with influencers to reach a broader audience. She shares examples of projects she enjoyed, such as comparing e-commerce giants like Timo and Amazon, and describes the rigorous research and verification process involved in producing content. Nourhan also reflects on the challenges of working with PR sources, stressing the newsroom’s commitment to fact-checking and producing authentic, locally relevant stories.Throughout the conversation, Nourhan highlights her mindset of continuous learning and growth within the industry, appreciating the guidance she receives from experienced colleagues. She talks about the pressures and demands of the media world while advocating for a healthy, patient approach to career development. Nourhan also touches on her cautious use of AI tools, preferring to rely on human creativity for content production but utilizing AI for small tasks like email polishing and image generation. Overall, the episode offers an engaging look into the evolving media scene through the perspective of a young professional passionate about storytelling and innovation.

In this episode, Pranav Jyoti, General Partner at Mirai Capital and Chief Investment Officer for the Private Office of His Highness Shaikh Ahmed bin Faisal Al Qassimi, shares his insightful perspectives on education, entrepreneurship, and investment in the modern global landscape. He reflects on the rigid and outdated nature of traditional education systems, particularly in India and other colonized countries, highlighting how they were historically designed to produce employees rather than innovative leaders. Pranav emphasizes the transformative potential of technology, like AI, in expanding learning beyond rigid syllabi to foster critical thinking and emotional intelligence, which are crucial for future growth and mental health.Pranav also discusses the entrepreneurial ecosystem in Asia and how it differs significantly from Western models like Silicon Valley. He explains that Asian markets operate on relationship-driven investment strategies rather than purely objective, capitalistic approaches. This dynamic, combined with cultural attitudes towards scale and risk, often limits the emergence of groundbreaking startups comparable to OpenAI or Apple in the region. However, he points out a growing shift with family offices playing a larger role in supporting innovation, focusing on legacy and partnership over immediate financial returns, which could reshape the venture capital landscape in Asia and the Middle East.Furthermore, Pranav offers a nuanced view on leadership, risk-taking, and organizational culture, noting the advantages young leaders have in their boldness and risk appetite, but also the importance of flexibility and empathy within teams. He shares his personal journey from HR and business development roles to fund management, emphasizing the value of mission-driven organizations over purely profit-focused ones. Through Mirai Capital, he advocates for a hands-on, partnership-led investment approach that supports startups' growth and aligns closely with governmental and international interests, aiming to create lasting societal impact and global collaborations.

In this episode, Antony Lovell, Sales Director for the Middle East, Africa, Central Asia, and South Asia (MEASA) at Shure, shares insights into the company's rich 100-year history and its impact on audio technology worldwide. He highlights Shure's evolution from a parts catalog company to a global leader in microphones and audio solutions, noting iconic products like the SM58 and the SM7 that have become cultural staples, used by legendary artists and podcasters alike. Antony emphasizes the importance of quality and durability in Shure's products, stemming from their origins in military-grade standards, and describes rigorous testing processes including artificial sweat and drop tests to ensure reliability in real-world scenarios.Antony also discusses the significance of diversity and inclusivity within Shure’s global workforce and how this supports a deep understanding of diverse markets such as the UAE, characterized by a wide variety of nationalities and cultures. He explains that Shure’s audio solutions aim to enable clear communication regardless of language, culture, or setting—from music and podcasts to corporate boardrooms. Educational initiatives led by Shure ensure that customers and integrators choose the right microphone for their needs, supporting the rapidly growing creator economy and the evolving demands of hybrid work environments accelerated by the COVID-19 pandemic.Looking forward, Antony highlights Shure's embrace of emerging technologies like AI and machine learning to enhance audio quality by filtering unwanted noise without sacrificing voice clarity. He underscores Shure’s commitment to sustainability through environmentally friendly packaging and durable products designed to last, rejecting planned obsolescence. Collaborations with major tech companies and maintaining flexibility in logistics help Shure continue delivering high-quality audio solutions globally. Antony encourages aspiring professionals to find their passion and remain open to opportunities, reflecting on his own unconventional path in the audio industry.

In this episode, Richard Fitzgerald, CEO and Founder of Augustus Media, shared insightful perspectives on the company's approach to media in the Middle East through its prominent brands like Lovin', Smashi, and Odeum. He emphasized the importance of localized content and presence, explaining Augustus Media’s strategy of operating city-specific brands under a unified 'house of brands' model. Richard underscored the value of telling inspiring, local stories that create heroes within the Islamic world, rather than solely focusing on pure profitability. This long-term vision fuels their expansion across the region, including plans for offices in key markets like Lebanon, Jordan, and Egypt, with careful consideration given to operational feasibility and market dynamics.Richard also discussed the company's decentralized yet centrally controlled operational structure, balancing autonomy for local teams with legal and editorial oversight to ensure brand integrity and safety. He highlighted the challenges and opportunities in building trust and credibility across diverse markets, addressing potential risks and crises with proactive measures such as in-house legal counsel and adherence to regional guidelines. Furthermore, he shared Augustus Media’s cautious yet forward-thinking stance on new media trends and technologies, especially AI, explaining their focus on integrating innovative content formats like text, audio, and video, while maintaining a strong foothold in digital media tailored to their consumers' needs.On product innovation, Richard revealed that Augustus Media is prioritizing utility-driven features in their Lovin' app, such as local news, prayer times, sports scores, and currency updates to build a daily-use ecosystem beyond just media consumption. While acknowledging the importance of data and higher valuations in the broader tech landscape, he affirmed their strategy of sustainable growth based on advertising, branded content, and service innovation rather than chasing speculative investment. Richard’s vision also extends to leveraging exclusive distribution partnerships with emerging tech platforms to expand reach, illustrating the company’s adaptability in a fast-evolving digital media scene. Overall, the episode provided a comprehensive look at how Augustus Media is carving a unique path in regional media by blending local relevance, strategic expansion, and thoughtful innovation.

In this episode, Lama Osman, host of the Unicorn Bil Arabi Podcast, CEO/Co-Founder of PodHeros and a passionate tech educator, shares her inspiring journey from studying political science and economics to becoming a full-stack web developer and educator. Lama founded the Young Coders Academy in Lebanon, aiming to teach coding from kindergarten through grade 12 with a simplified and accessible curriculum, even partnering with the Ministry of Education. She discusses the challenges of outdated education systems and emphasizes the importance of adaptable, problem-solving skills over rote memorization, highlighting the shifting role of education in the AI era.

The conversation then transitions into the evolving tech and startup ecosystem in the Arab region. Lama highlights the uniqueness of the regional market, noting the scarcity of high-capital intensive startups and the tendency of founders to seek funding first from the US, then Europe, and finally the Middle East. She touches on the growing presence of women entrepreneurs and the need for greater inclusivity and empathy in the workplace, particularly for mothers balancing family and careers. Lama also shares practical insights on navigating startup challenges, managing anxiety, and the importance of grit and persistence.

Finally, the discussion explores the future of podcasting as both a personal branding tool and a medium for authentic storytelling. Lama envisions podcasting evolving with AI-generated digital clones and further integration across platforms beyond audio. She emphasizes that successful podcasts resonate by addressing specific niches and that localization, specifically producing content in Arabic, significantly boosts engagement in the region. The episode closes with a breakdown of the podcast distribution technology (RSS) and an invitation to explore PodHeros, a global expert marketplace for podcasters.

Meet the Team:

A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, MA, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew.

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In this episode of The Dollar Diaries, Shaheen, CFO and regional controller for Marsh McLennan in the Middle East, delves into the multifaceted nature of her role, balancing financial reporting, strategic growth, and board governance across diverse entities in the UAE and Saudi Arabia. She emphasizes the evolution of the CFO role from a traditional focus on financial closing and reporting to a strategic partner actively involved in business expansion and new product development. Shaheen shares her transition from audit and advisory roles into corporate leadership, highlighting the complexities of managing investor relations and regulatory compliance in large multinational insurance organizations.The discussion offers a deep dive into the insurance industry, explaining its intricacies beyond premium collection and claims settlement. Shaheen unpacks the role of risk appetite in underwriting and the critical function of reinsurance as insurance for insurance companies, which helps mitigate large-scale risks through global risk distribution. She touches on regulatory challenges in emerging markets such as Saudi Arabia and the UAE, the importance of solvency regimes like Solvency II for standardizing risk management, and the delicate balance regulators try to maintain between protecting consumers and fostering innovation. Additionally, the episode explores the nuances of Sharia-compliant insurance products and investment strategies, acknowledging the complexity of aligning conventional insurance models with Islamic principles and the growing interest in Sharia-compliant wealth management in the region.The episode concludes with an exploration of how technology, particularly artificial intelligence, is transforming the insurance and consulting sectors within Marsh McLennan. Shaheen describes the group’s cautious yet enthusiastic adoption of AI tools to improve operational efficiency, risk modeling, and client advisory services, highlighting internal pilots primarily happening in larger markets. She stresses the necessity of aligning AI investments with clear business problems to avoid wasted resources and the vital need to enhance technological literacy among finance teams to fully leverage these innovations. Ultimately, Shaheen underscores that embracing continuous learning and adaptation to technological advancements is essential for sustaining growth and competitiveness in today’s rapidly evolving business landscape.

In this insightful episode of The Dollar Diaries, Salma El Sadaany, Account Manager at Brazen MENA, shares her diverse career journey and experiences in the PR and beauty industries. Starting from real estate in Egypt and moving through beauty and media roles in Dubai, Salma reveals how her path led her into PR by chance. She discusses her passion for communication and her role in uplifting underprivileged women through beauty workshops, highlighting the powerful intersection of empowerment and self-care.

Salma candidly addresses challenges within the PR and influencer marketing landscape in the UAE, including issues related to nationality preferences, gender dynamics, and the evolving influencer economy. She emphasizes the importance of authenticity and strategic engagement in influencer campaigns, advocating for meaningful brand collaborations rather than superficial partnerships with mega-influencers. Salma stresses the critical role of trust and credibility in marketing success, especially in a market that is increasingly savvy and discerning.

The episode also touches on Salma’s personal philosophy towards money management, work-life balance, and mental health. She encourages listeners to cultivate a healthy relationship with money by prioritizing personal happiness and smart spending, even when managing household budgets. Salma’s heartfelt reflections on strength, independence, and societal expectations offer a refreshing perspective on femininity and resilience in today's fast-paced world. Overall, this episode provides valuable lessons on career adaptability, authentic marketing, and self-care from a seasoned professional deeply embedded in the UAE’s PR industry.

Meet the Team:

A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, MA, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew.

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In this episode of The Dollar Diaries, the hosts welcome Akshay Iyer, a Private Wealth Advisor at Sarwa, a Mubadala-backed wealth management firm. The conversation delves into the importance of starting one's investment journey, particularly for young investors, and highlights Sarwa's commitment to providing Sharia-compliant investment options. Akshay emphasizes the significance of having a solid personal finance foundation before diving into investments, discussing the challenges many face when trying to begin their financial journey.

Throughout the episode, Akshay shares his personal experiences with outdoor activities and how they parallel the investment landscape, illustrating the need for community and support in both realms. The discussion also touches on the evolution of investment platforms in the UAE, with Sarwa leading the way in democratizing access to various asset classes, including cryptocurrencies and commodities. Akshay highlights the importance of education in investing, noting that informed investors tend to have smoother investment journeys.

As the conversation progresses, Akshay outlines Sarwa's vision of becoming an all-in-one personal finance platform, catering to diverse investor needs. He discusses the balance between passive and active investing strategies and the role of technology in enhancing the investment experience. The episode concludes with insights into the future of investing, including the potential for AI-driven tools and the importance of long-term investment strategies, making it a valuable listen for anyone interested in personal finance and wealth management.

Meet the Team:

A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, MA, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew.

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Join us weekly as we explore how to make, manage, and multiply your money! 🎧💵 Let's make those dirhams dance! 💃🕺

In this episode, we sit down with Youssef Salem — CFO of ADNOC Drilling, co-founder of Qora71, and a Forbes 30 Under 30 honoree — to unpack how one of MENA’s youngest corporate finance leaders is shaping the future of venture capital, energy tech, and Islamic finance. From advising on multibillion-dollar IPOs at Moelis to leading a SPAC listing on NASDAQ with Swvl, Youssef shares his journey through high-stakes capital markets, private equity exits, and sovereign-backed innovation in Abu Dhabi. He explains why the MENA region’s investment ecosystem is maturing fast — thanks to a surge in listings, secondary markets, and sovereign funds pivoting toward growth-stage VC and climate tech. We explore how Youssef built Qora71, a zero-fee, no-carry syndicate that's rewriting how professionals invest in early-stage startups. He breaks down the future of Shariah-compliant ETFs, the role of retail in unlocking liquidity, and why the UAE is uniquely positioned to become a global AI and quantum computing hub. The conversation also delves into sustainable finance, where Youssef explains how ADNOC Drilling balances profitability with carbon capture initiatives and late-stage tech investments — emphasizing strategic transition over hype-driven pivots. Finally, Youssef reflects on the power of bite-sized learning, curiosity in conversation, and staying grounded in Islamic values — even while scaling billion-dollar operations.

Meet the Team:
A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, MA, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew. Connect with Us!

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Join us weekly as we explore how to make, manage, and multiply your money! 🎧💵 Let’s make those dirhams dance! 💃🕺

In this episode, Allan and Ali, Co-Founders of EmFlex, discussed the inception and business model of their embedded lending solution focused on the auto financing sector in Saudi Arabia and the GCC. They emphasized the growing trend of embedded finance, where financial services are integrated into non-financial platforms, catering to a shift in consumer behavior that favors convenience. The duo highlighted the significant market potential in Saudi Arabia, where car sales reach approximately $10 billion annually, with a large portion being financed. They aim to streamline the financing process for consumers and distributors by providing quicker approvals and better offers through their technology.

The conversation also delved into the competitive landscape of fintech in the region, with Allan and Ali noting the importance of building strong partnerships with banks and financial institutions. They explained how their model mirrors successful buy-now-pay-later schemes, where they generate revenue by enhancing sales for merchants while facilitating financing for customers. The co-founders shared insights on the challenges of integrating with traditional banking systems and the evolving regulatory environment that is becoming more conducive to innovation in fintech.

Finally, Allan and Ali reflected on their entrepreneurial journeys, emphasizing the importance of maintaining a work-life balance while pursuing their business goals. They discussed their experiences at the Antler residency, which helped them form a strong partnership and develop their business concept. Looking ahead, they expressed optimism about the future of fintech in the region, anticipating further innovation and growth in embedded finance solutions, particularly in auto financing and beyond.

Meet the Team:

A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, M&A, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew.

Connect with Us! 🌐

X / Twitter: https://twitter.com/dollar_diaries

Instagram: https://www.instagram.com/dollardiariespodcast

LinkedIn: https://www.linkedin.com/company/thedollardiariespodcast

TikTok: https://www.tiktok.com/@thedollardiaries

📬 Join Our Community!

Subscribe to our Newsletter: https://thedollardiaries.media/

Join the SPEND LESS Community: https://chat.whatsapp.com/FG67aEgWQa5IP1W1ue5J8s

Join us weekly as we explore how to make, manage, and multiply your money! 🎧💵 Let's make those dirhams dance! 💃🕺

In this episode of The Dollar Diaries, the host welcomes Joshua and Janine, the hosts of the Half A Nice Day Podcast. The conversation kicks off with light-hearted banter about parking karma and queuing woes, setting a relaxed tone for the discussion. They delve into their experiences with podcasting, highlighting the effort and dedication required to produce engaging content. The guests share insights into their podcasting journey, including the challenges of maintaining listener engagement and the importance of supportive followers who contribute with comments and timestamps.

The discussion transitions into personal anecdotes and professional experiences. Joshua talks about his role at SAP, focusing on customer success and the integration of AI in HR solutions. He explains the potential of AI to streamline HR processes, making them more efficient. Meanwhile, Janine shares her background in wedding photography, discussing the challenges of finding clients and the nuances of the wedding industry. She emphasizes the importance of maintaining a unique style and the impact of word-of-mouth in building a client base.

The episode also touches on the dynamics of their relationship, with Janine being the planner and Joshua the laid-back partner. They discuss financial planning for their wedding and future, highlighting the importance of saving and investing. The conversation wraps up with Joshua's insights into the comedy scene in the UAE, noting the growing opportunities and challenges for local comedians. The episode is a blend of humor, personal stories, and professional insights, offering listeners a glimpse into the lives of Joshua and Janine.

Meet the Team:

A dynamic mix of personalities and expertise, each bringing unique energy to the table. Abubakr Sajith, the unofficial leader (even if he didn’t ask for it), keeps things running smoothly with his finance, IT, and entrepreneurial background. Gazala Parkar, the PR pro, is the team’s caring yet no-nonsense mother figure, while Guhaesh Subramanian, the ever-networking master's student, plays the carefree uncle. Anas Memon is the resident numbers guy deep in finance, MA, and private equity. At the same time, Aditya Poddar, with his love-hate relationship with his 9-to-5, embraces his role as the team’s laid-back producer. Eiman Ansari, the cybersecurity expert, provides comedic relief when she shows up alongside Liz Ann D’Souza, the creative force with a film and content creation background. And then there’s Zainab Netterwala, the IT and computer science whiz, who takes on the role of the little sister in this eclectic, ever-evolving crew.

Connect with Us! 🌐

X / Twitter: https://twitter.com/dollar_diaries

Instagram: https://www.instagram.com/dollardiariespodcast

LinkedIn: https://www.linkedin.com/company/thedollardiariespodcast

TikTok: https://www.tiktok.com/@thedollardiaries

📬 Join Our Community!

Subscribe to our Newsletter: https://thedollardiaries.media/

Join us weekly as we explore how to make, manage, and multiply your money! 🎧💵 Let's make those dirhams dance! 💃🕺