The startup economy is booming in emerging markets, but the banking infrastructure that should support it is broken. A huge gap exists between the financial services offered and what startups really need. We’re here to bridge that gap.
From struggling to open bank accounts to obtaining business credit cards and making cross-border payments, we understand the financial pain startups are dealing with. All existing traditional banking processes, interfaces and underwriting methods don't meet your needs. That’s where our fintech solution comes in.
We developed a proprietary AI-driven approval process to underwrite and better serve startups in emerging markets. Our strong founding team of serial entrepreneurs, data scientists and fintech execs have built and led startups in both emerging markets and the US.
Inspired by fellow founders building amazing things all over the world, we’re on a mission to power your startup growth and help you scale.
Tribal is led by serial entrepreneurs, data scientists and fintech execs who have built and led startups in both emerging markets and Silicon Valley.
Amr Shady is CEO of Tribal Credit, where he spearheads a mission to help bring financial inclusion to startups in emerging markets. From ideation to fundraising, product development to operations, investor to board relations, Amr leads the overall execution of Tribal’s strategy and vision. He is a serial tech entrepreneur and data scientist with two decades of building and scaling startups. Amr co-founded Tribal Credit, a spin-off from his NYU research on using AI to predict startup success at inception. He started his first company (TA Telecom) at 22, bootstrapping it to a multimillion dollar business — dubbed “local hero” by the Financial Times and ranked by Deloitte as one of the fastest growing tech companies in EMEA. Amr is a former board member of Endeavor and TechWadi, two non-profits advancing entrepreneurship in the MENA region and the world. He holds an MS in Business Analytics from NYU, and a BS in Electrical Engineering from Dalhousie University.
Duane Good is President of Tribal Credit, where he drives strategic banking and financial partnerships across geographies — all while leading the company towards fulfilling its goals and strategies. An expert in applied analytics, Duane heads the company's credit management and underwriting efforts. He has over 25 years of experience in cards, fintech, banking operations, and risk management across global financial markets. He was previously Managing Partner at RiskThought, a provider of strategic solutions for leading financial institutions. Duane also served as Executive Vice President at HSBC in COO and CIO roles and as Vice President of Decision Analytics at Experian. He was a founding member of eCapital Financial, MBNA International Bank, and MBNA Canada Bank. He holds an EMTM/MBA from the Moore & Wharton Schools at University of Pennsylvania and a BS in Business Administration from Bucknell University.
Omar Kamal is Chief Data Scientist at Tribal Credit, where he builds data science products and mines for insights that optimize business operations using machine learning and AI. Omar has more than 20 years of experience working at Mentor Graphics, IBM, Lucent Technologies and HP in software engineering, quality management and operations management. As a lecturer, trainer and consultant in Operations Management and Data Analytics, Omar trained more than 250 engineers, managers and students. He is a Black-Belt Six Sigma professional and a Certified Quality Manager (CQM) from the American Society of Quality. He holds an MBA from City University of Seattle, and a BS in Electronic and Telecommunication Engineering from Cairo University.
Mohamed Elkasstawi is Chief Strategy Officer of Tribal Credit, where he leads the blockchain vision, strategy, and execution. From forming strategic partnerships with blockchain firms to building Tribal’s blockchain infrastructure, Mohamed focuses on harnessing the technology to give startups in emerging markets greater access to financial services. He was an early investor and believer in Bitcoin and Ethereum and has founded ZK Capital, a research-focused blockchain investment firm that invests in and mentors startups using the technology. He co-invested with Sequoia, USV, Coinbase VC, and Pantera in pioneering blockchain projects like Filecoin, bloXroute, Blockstack, Nervos, and others. Mohamed was featured by Scene Arabia as one of "5 Middle Eastern entrepreneurs working with blockchain to transform the future." He has a BS in Engineering Management from Northern Illinois University, and he studied Entrepreneurship at Stanford.
Mark Graves is Chief Legal Officer of Tribal Credit, where he leads the global legal, compliance, governance, regulatory relations, and data protection & privacy compliance functions. Mark has a wealth of experience leading global expansion of financial institutions and is putting that expertise to good use at Tribal. His strategic vision and direction previously helped card issuing unicorn, Marqeta Inc., double its growth to US $2 billion. Mark has 25+ years of hands-on experience and skills honed at a multitude of organizations, including SVB Financial Group, the Financial Industry Regulatory Authority (FINRA), and the U.S. Securities and Exchange Commission (SEC) among others. He is an expert in enterprise governance, risk and compliance functions, financial institution regulatory relations, and data protection & privacy compliance. He is certified in Regulatory and Compliance from the Wharton School at the University of Pennsylvania and in Anti-Money Laundering from ACAMS. Mark earned a JD in Law from Texas Tech University, and a BBA in Accounting from Texas Christian University.
Ehab Zaghloul is Chief Research Scientist of Tribal Credit, where he leads the research, design, and implementation of the blockchain ecosystem and TRBL token. Ehab has extensive blockchain expertise, having earned his PhD in Applied Cryptography and Cyber Security from Michigan State University. His research focuses on blockchain-based systems, which entails designing and implementing distributed data sharing and electronic voting algorithms. Ehab's work has been published in several top-tier, peer-reviewed journals and conference proceedings. He co-founded the blockchain investment firm, zk Capital, leading technical due-diligence and mentoring startups using the technology. Ehab holds MS and BS degrees in Computer Engineering with a specialization in Machine Learning from The Arab Academy for Science, Technology & Maritime Transport.
Prasant is former Partner and Director of Corporate Development at AiNGEL. He is a finance and analytics professional with 10 years of experience at firms across geographies. Starting his career as a fixed income trader, he moved on to management consulting, where he worked with multiple Fortune 500 companies, SMBs and not-for-profit organizations. He has a BA in Economics and Finance from De Montfort University, and an MSc in Business Analytics from New York University. His interests lie in using Machine Learning and Artificial Intelligence in the areas of finance and marketing.
Hariraj is former Partner and Director of Products at AiNGEL. He has over 12 years of experience in data science, business solutions and product management. Prior to building AiNGEL, he worked with Barclays Capital, Sempra Commodities and other firms as a business solutions data analyst and consultant. Hariraj has an MSc in Business Analytics from New York University.
Youssri is an entrepreneur and investor who has successfully founded, operated and exited several startups globally. He has over 30 years of experience in engineering, product management, marketing, and business development in a wide range of technologies. Youssri founded ITWorx in 1994 with Wael Amin, where they incubated and spun off LaserStorm (MBO), FileWay (exited), Otlob.com (sold to Orascom), and NetCelera/SwanLabs (sold to F5). After exiting ITWorx in 2007, he cofounded IdealRatings, Roboworx, and Eonite Perception (sold to Intel). In 2019, Youssri returned to ITWorx as CEO. Youssri earned his Bachelor of Science degree in electronics and telecommunications engineering from Cairo University. He is an active member of the technology community in both Egypt and in Silicon Valley.
Bill Crawley has a proven track record of building successful, high-growth companies throughout his 30+ years of global experience, which started at IBM’s India offshore operations. As the founding Managing Director of ISON Technology, he helped the leading IT company launch, grow and operate 41 offices in 23 countries across the Middle East and Africa. Prior to that, Bill was VP Worldwide Sales for a social messaging service, and Managing Director Asia Pacific for a pioneer VoIP phone system. He has held several executive, Board of Director, and advisory positions at leading companies in Dubai, Egypt, Singapore, Philippines, India, Africa, the UK and the US. Bill has a Master’s Degree in Education from The University of Western Australia.
Jessica is a Venture Partner with Dundee Venture Capital, a Kauffman Fellow and holds an MBA in Design Strategy. She has spent the past decade working in technology, venture capital and public policy to support critical shifts for the global innovation ecosystem. Jessica was previously with GE Ventures, the National Venture Capital Association, SocialFlow, and the U.S. Congress. Jessica serves on the boards of the NASDAQ Entrepreneurial Center, the Women's Association of Venture and Equity in San Francisco, and the Davidson College Hurt Hub for Innovation and Entrepreneurship.
Roy is an active researcher in machine learning and an advisor to companies seeking to leverage data science. He is chair of the advisory board for the University of Miami's Institute for Data Science and Computation, and co-founded New York University’s Center for Data Science, which offered the first graduate degrees in the field. Under his tenure as Managing Director, the center had 1,300 applicants for 60 positions in one semester. Prior to that, he was CTO at Reuters and Capital One. Earlier in his career, he was a partner at the Boston Consulting Group, where he focused on developing business strategies that fully leveraged information technology. He has a PhD in Computer Science from NYU, an MBA from the Harvard Graduate School of Business Administration, and a BA in Mathematics from Vanderbilt University.
Lou Kerner is a founding partner of CryptoMondays, a “community first” Crypto VC and a corresponding Meetup group that is active in more than 50 cities around the world. As a crypto enthusiast, investor, public speaker and thought leader, he was deemed “Wall Street’s Bitcoin Expert” by the Wall Street Journal. Lou also advises Blockchain Coinvestors, a crypto fund-of-funds, and Silver Castle, a leading crypto asset manager. Prior to CryptoMondays, Lou held positions as a Partner at Flight VC and Managing Partner of The Social Internet Fund (SIF), which invested in rapidly growing tech companies. He was also an angel investor, best known for investing in Facebook and writing the first Wall Street-style research report on the company in 2010. In his early career, he ran two digital companies and was an equity analyst for Goldman Sachs. Lou has a BA from UCLA and an MBA from Stanford University.
Nik Milanović heads up business development and strategy at Google Pay & Google Finance. He was formerly Head of Strategy at Petal, one of the fastest-growing consumer credit startups, and Director of Strategic Partnerships at Funding Circle. With 8+ years of experience in mobile payments, online lending, credit and microfinance, Nik is also a fintech columnist at TechCrunch and runs This Week in Fintech. He has a BA from Stanford University where he conducted research on inequality and international development.