From the pharmacy counter to the financial corridors of Dubai, Ahmed Elkalioby’s journey is a remarkable example of how passion and vision can redefine one’s path entirely. With a foundation in healthcare and a calling in business, Ahmed has transformed challenges into opportunities, becoming a key player in the UAE’s mortgage and financial advisory landscape.
In this exclusive feature, Ahmed opens up about his transition from pharmaceuticals to finance, the founding of his business in partnership with a Romanian multinational, and how he is reshaping the way people access property and financial services in the region. His story is one of calculated risks, regional insights, and a relentless drive to deliver transparency and trust to clients. Dive in to discover how he is building a future-focused financial platform, and what aspiring entrepreneurs can learn from his experience.
From Pharmacy Shelves to Financial Strategy
Could you briefly tell us about your background and how it led you to start your business?
My name is Ahmed Elkalioby. I started my career as a pharmacist in 2003, but early on, I found my passion in sales and marketing. I shifted my focus in 2006 while working in Saudi Arabia, building strong expertise in customer relations, strategy, and business development. In 2016, I moved to Dubai, a global hub for finance and innovation, and began expanding my vision beyond healthcare. Over the years, I recognized a growing need in the UAE market for transparent, professional, and personalized financial solutions. That’s what led me to partner with a Romanian multinational company and launch a business focused on mortgage consultancy and comprehensive financial services.
Redefining Property Finance in the UAE
What does your business focus on, and how is it positioned in the market?
We specialize in mortgage brokerage and tailored financial solutions for individuals and investors in the UAE. Our mission is to make property ownership and financial planning simple, accessible, and stress-free. We guide clients through the entire financing journey, whether they are first-time homebuyers, investors, or seeking equity release. Backed by European standards and a deep understanding of local regulations, we are positioned as a trusted, end-to-end partner that bridges the gap between banks and clients with transparency, speed, and integrity.
Scaling Smart: Innovation and Expansion Ahead
What are your plans for growth or expansion in the near future?
We are currently expanding our services beyond mortgages into broader financial advisory, including business loans, refinancing, credit restructuring, and insurance solutions. We are also planning to scale our operations across the GCC and introduce digital platforms to enhance the customer experience. Investing in fintech tools, AI-driven mortgage pre-approvals, and multilingual advisory support are all part of our roadmap.
Riding the Wave of Market Momentum
How has this year impacted your business, and what are your goals moving forward?
This year has brought both opportunity and responsibility. With rising property demand in the UAE and increasing interest from foreign investors, our business has grown significantly. However, it has also challenged us to streamline processes and stay ahead of rapid market changes. Our goals moving forward are to expand our client base, develop strategic banking partnerships, and build a stronger digital presence to serve clients faster and more efficiently.
Guidance from the Ground
What advice would you give to startups or entrepreneurs in your industry?
Be customer-obsessed and information-driven. The financial industry is about trust, clarity, and timing. Educate your clients, don’t just sell to them. Build your credibility by mastering regulations, understanding bank policies, and keeping up with market trends. Most importantly, deliver what you promise, and always think long-term.
Dubai’s Promise: A Message to Aspiring Founders
Any other thoughts that you would like to share with our viewers?
Dubai is a land of opportunity, especially in real estate and finance. If you're committed, ethical, and add real value, this market will reward you. I encourage aspiring entrepreneurs to be bold, embrace change, and build businesses that truly solve problems. I’m proud of the journey so far and excited for what’s to come, not just for our company, but for the entire industry.
Conclusion
Ahmed Elkalioby’s journey is more than a career shift, it’s a testament to the power of vision, adaptability, and customer-centric thinking in a dynamic market like the UAE. From identifying gaps in financial transparency to bridging them with innovative, trustworthy solutions, his work continues to impact the lives of homebuyers and investors alike.
As he looks toward expanding across the GCC and integrating advanced technologies into his services, Ahmed remains rooted in the values that sparked his journey: integrity, commitment, and long-term value. His story is a timely reminder that real success lies not just in building a business, but in building trust. For anyone navigating the complexities of finance or entrepreneurship, his perspective is both relevant and deeply inspiring.
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