# Tikab

> Tikab is a management consulting firm focused on fintech, finance, credit risk, AI transformation, and climate. It helps banks, fintechs, lenders, investors, and climate-focused organisations in the GCC and CIS find value, manage credit risk, apply AI where it changes the outcome, and redesign how work gets done.

Key facts:
- Services: Value Creation, Applied AI and AI transformation, Work Redesign.
- Sectors: Fintech and financial services (digital banking, payments, embedded finance, RegTech, lending, credit risk, wealth and investment) and Climate (physical climate risk, adaptation and resilience, water security, transition and decarbonisation, climate finance, data and decision systems, model and evidence review).
- Markets: GCC (Saudi Arabia, United Arab Emirates, Qatar, Oman) and CIS (Kazakhstan, Uzbekistan, Armenia, Tajikistan).
- Engagement models: contract-based projects, embedded teams, and co-building ventures.
- Approach: small, senior, founder-led teams; decisions over reports; evidence before scale.
- Response time: Tikab replies to new enquiries within two working days.
- Contact: https://tikab.net/contact/ · Legal: legal@tikab.net · Careers: human@tikab.net

## Founders
- Hamidreza Rezaeian — Founding Partner, Fintech. Product leader with 10+ years in fintech; helped build two neobanks from scratch and led products across KYC, cards, onboarding, lending, loyalty, and wealth management. Focus: product and business development, AI product leadership, AI transformation.
- Mehdi Rezaeianzadeh, PhD — Founding Partner, Climate. Former PwC climate-risk modelling manager with deep experience in data science, model validation, and production analytics. Focus: physical climate risk, adaptation, water security, climate finance, model and evidence review. LinkedIn: https://www.linkedin.com/in/mehdirezaeianzadeh/

## Services
- [Value Creation](https://tikab.net/services/value-creation/): Locate value, test the commercial logic, choose the opportunity, and write the decision.
- [Applied AI and AI transformation](https://tikab.net/services/applied-ai/): Define the problem, prototype, prove the system, and prepare for trusted operation with governance.
- [Work Redesign](https://tikab.net/services/work-redesign/): Map the real work, redesign the operating model, rebuild workflows, and embed the change.

## Sectors
- [Fintech and finance](https://tikab.net/sectors/fintech/): Financial products and decision systems built to be trusted, governed, and scaled.
- [Credit risk](https://tikab.net/sectors/fintech/credit-risk/): Credit strategy, scoring and decision models, AI in credit, and model governance for banks, lenders, and fintechs.
- [Climate](https://tikab.net/sectors/climate/): Climate strategy with credible evidence and practical next steps.

## Markets
- [GCC](https://tikab.net/markets/gcc/): Management consulting in Saudi Arabia, the UAE, Qatar, and Oman.
- [CIS](https://tikab.net/markets/cis/): Management consulting in Kazakhstan, Uzbekistan, Armenia, and Tajikistan.

## Company
- [Manifesto](https://tikab.net/manifesto/): Seven convictions that shape how Tikab works.
- [Partnerships](https://tikab.net/partnerships/): How Tikab partners with founders, institutions, investors, and technology teams.
- [Careers](https://tikab.net/careers/): Open roles, including [Business Analyst](https://tikab.net/careers/business-analyst/).
- [Contact](https://tikab.net/contact/): Start a conversation.

## Optional
- [Insights](https://tikab.net/insights/): Articles on fintech and climate (first pieces coming soon).
- [Privacy Policy](https://tikab.net/privacy/)
- [Terms of Use](https://tikab.net/terms/)
- [Full text of all pages](https://tikab.net/llms-full.txt)