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Adham Azzam is the CEO and Co-Founder of Balad, specializing in breaking down Financial Services for Migrants and their Families. Adham is also the Co-Founder and COO of Lnddo, focusing on Digital Lending for SMEs in MENA. With a background in Civil Engineering and extensive experience in senior roles at companies like EgySolar, IFC, VINCI Concessions, Bouygues Construction, Adham also holds an Executive MBA from INSEAD and Executive Education in PPP from Harvard Kennedy School.