A multi-award-winning digital transformation leader with over 20 years of experience driving the next generation of digital innovation across various industries. Renowned for her technical vision and empathetic leadership, Raja has a proven track record of cross-functional management and successfully transforming and bolstering businesses, contributing significantly to the UAE’s thriving economy.

Serving as the current CEO of Etihad Credit Insurance, Raja plays an instrumental role in actualising ECI’s vision and mission, driving the strategy to support UAE exporters, fortify national economic growth, and further position the UAE as a global trading powerhouse.

Raja began her career with an MBA in Global Leadership and Management from the United Arab Emirates University in 2005. Since then, she has held executive positions in several distinguished organisations, including the Higher Colleges of Technology, Dubai Holding, National Bonds Corporation, and Dubai International Financial Centre (DIFC).

During her tenure in DIFC as the Executive Vice President, Raja played a pivotal role in advancing the UAE’s national innovation agenda by establishing The FinTech Hive, one of the region’s most successful FinTech hubs and ecosystems. Raja’s proactive collaboration with diverse stakeholders has contributed to the UAE’s thriving digital economy, fostering the growth of over 500 financial technology startups, and earning the FinTech Hive recognition as one of the world’s top financial innovation labs by Global Finance Magazine.

Over the years, Raja has further expanded her credentials by completing executive education programs at Harvard Business School, London Business School, University of California at Berkeley, and Hawkamah Institute for Corporate Governance. Recently, she completed the Singularity Executive Program, a leadership transformation program focused on the potential of exponential technologies for building a better world.

Beyond her core responsibilities, Raja serves on various boards, including the Harvard Business School MENA Advisory Board, Mohammed Bin Rashid School of Government, Zand Digital Bank, Al Masraf Arab Bank, Al Ansari Financial Services, and Ittihad International Investment.

Raja‘s leadership is defined by her unwavering commitment to leveraging technology and innovation for a positive impact in various sectors. She is driven by a deep commitment to shaping the future of trade and the economy, constantly seeking opportunities to elevate community life and prosperity.

By nurturing innovative mindsets and executing scalable strategies, Raja strives to contribute to the UAE’s position as a global hub for innovation and trade, reflecting her profound dedication to inspiring change and progress.