Rafiq Jaffer is a Partner in Al Tamimi’s Banking & Finance department, having worked at the firm for over 11 years.  Prior to re-joining the firm, Rafiq was Head of Legal at Barclays Bank in India.  At Barclays, Rafiq led the legal team responsible for wholesale lending (including External Commercial Borrowing), trade finance and cash management.

Rafiq specialises in bank lending and debt capital markets transactions using both conventional and Islamic structures.

Rafiq Jaffer is recognised by both Legal500 and IFLR1000 as being a leading lawyer in the field of Banking, Finance & Capital Markets.

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Recent Experience

  • Acting as KSA counsel for the sponsors in connection with the Jubail 3A seawater desalination plant (KSA), the seawater intake and outfall facilities and associated facilities and infrastructure. Our role included, drafting and perfecting the security documents relating to the USD 700 million financing and advising on various licensing issues.
  • Assisted Samba Financial Group in connection with a financing of a mixed commercial and residential real estate complex in Riyadh being developed by Rabia Rafal Real Estate Development Limited.
  • Assisted Al Rajhi Bank in connection with its real estate financing documentation using both Ijara and Murabaha structures.
  • Advised Al Habtoor Leighton Group (the lead contractor) in connection with financing the construction of the pipe line project relating to the water reservoirs being constructed by a regional government.
  • Advised the Bank of Tokyo-Mitsubishi as Lenders on a USD 1bn loan against Government Bonds listed on a regional stock exchange.
  • Advised a joint venture comprising of Mubadala Development Company PJSC, Total S.A and Occidental Petroleum Corporation for the provision of legal services in connection with the financing to be obtained by Dolphin Energy in connection with the Dolphin natural gas project.


  • English
  • Hindi


2022 – Executive LL.M (Securities & Financial Regulation), Georgetown University

1998 – LL.M International & Commercial Law, The University of Buckingham

1997 – LL.B (Hons), The University of Buckingham


2007 – Law Society of England & Wales

1999 – Bar Council of India (Karnataka State)



Country Group(s)