Finance / Banking
Nubank US: Building a High-Yield Consumer Bank
A bank built from first principles: customer economics, capital constraints, and the balance sheet.

I’m Hashim, founder and CEO of Loura. We’re building AI that does real work for mission critical industries, starting with manufacturing.
I want to build one of the most important technology companies to come out of MENA. The industries we’re working in keep the world running. There’s a lot to understand, and a lot to build.
Before Loura, I joined Tamara at 18, working on financial infrastructure and new business lines. I’m largely self taught. I learned English playing Multi Theft Auto, and much of what I know about technology, finance, and companies came from following questions until I understood them well enough to do something with the answers.
I spend a lot of time thinking about how companies work: where capital goes, how exceptional people find each other, why some organizations keep getting better, and why others stop. Building Loura gives me a chance to test those ideas and find out where I’m wrong.
This website is where I write down what I’m learning. Sometimes that means building a bank model from first principles. Sometimes it means writing about a company I tried to start that didn’t work. I want to keep a record of what I thought, why I thought it, and what changed my mind.
I live in Riyadh.
Finance / Banking
A bank built from first principles: customer economics, capital constraints, and the balance sheet.
Engineering / Career
Conversations with engineers about why talented Saudis leave technical work for management.
Entrepreneurship
An account of an HR company that did not work, and the decisions along the way.
AI / Finance
Following the capital behind AI infrastructure through spending plans and the bond markets.
A running list of books that shaped how I think.
Venture Deals, High Growth Handbook, Build, and others — with a note on what each meant to me.
Visit the bookshelf