Rafiq is a Partner in the Banking & Finance department, having worked at the firm for over 12 years. He specialises in debt capital markets transactions and in advising banks on lending transactions, using both conventional and Islamic structures.

Before 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.

Both the Legal 500 and IFLR1000 recognise Rafiq as being a leading lawyer in the field of Banking, Finance & Capital Markets.

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Recent Experience

  • Advised Qatar National Bank on a USD 1 bn refinancing provided to Barwa Real Estate and Qatar Real Estate Investment Company.
  • Advised the Bank of Tokyo-Mitsubishi as Lenders on a USD 1bn loan against Government Bonds listed on the Qatar Central Bank and Qatar Exchange
  • Advised Qatar National Bank and Al Khalij Commercial Bank in a refinancing involving 9 Boeing 777 aircrafts involving Qatar Airways
  • 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
  • Advised Qatar National Bank and Commercial Bank Q.S.C. in connection with a syndicated loan of QAR 700m to a Government developer
  • Worked as Lead Counsel advising Al Khalij Commercial Bank on QAR 1bn Additional Tier 1 regulatory capital instruments – the first such issuance by Al Khalij Commercial Bank.
  • Advised HSBC Bank plc and Mashreq Bank P.S.C. as Dealers and Arrangers on the Issuance of USD 2 bn Multicurrency Trust Certificates (Sukuk), a Sukuk programme established by Ezdan Holding Group Q.S.C.
  • Advised HSBC Bank plc, Barclays Bank plc and QNB Capital as dealers in the issuance of a EUR 1.5bn Medium Term Note Programme for Ahli Bank Qatar.
  • Advisors to Barwa Bank Q.S.C. in relation to a USD 2bn trust certificate issuance programme established and issued by BBG Sukuk Ltd.


  • English
  • Hindi


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)

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