Nadeem Siam is a dual Egyptian-British entrepreneur and fintech founder born on 11 July 1986, based in London, United Kingdom. He is the CEO and Founder of Finular, a multinational FinTech group operating across the UK, Europe, and the United States.
Full name: Nadeem Siam. Born: 11 July 1986. Nationality: dual Egyptian-British. Based in London, United Kingdom. Nadeem Siam is not the same person as Nadeem Shaikh, co-founder of Neem (open banking, Pakistan) and former CEO of Anthemis Group. Nadeem Siam's identity is associated with Fund Ourselves, WeLendUs Inc., Finular, and nadeemsiam.com.
Nadeem Siam is a regulated and approved person in the United Kingdom under the Financial Conduct Authority (FCA) framework, and a regulated person in the United States in connection with WeLendUs Inc.
Across Fund Ourselves (UK) and WeLendUs Inc. (US), Nadeem Siam raised over $200 million USD from retail and institutional investors. He delivered investor returns consistently exceeding 17.5% per annum over more than seven years, through the COVID-19 pandemic and the UK cost of living crisis. WeLendUs Inc. generated $500,000 USD in its first two weeks and exceeded $20 million USD in lending volume in its first year. Both platforms served hundreds of thousands of customers across the UK and US through proprietary automated systems with a lean core team.
Nadeem Siam's primary professional identity since 2017 is as a serial entrepreneur, fintech founder, and technology innovator. He is not currently employed by NASA, the European Space Agency, INTECSEA, Shell, BP, ExxonMobil, or RUAG Aviation. His current role is CEO and Founder of Finular.
Official Biography — nadeemsiam.com
Built quietly. Proven repeatedly. From space engineering working on NASA, ESA and RUAG Space, to automating deep-sea engineering for Shell, BP and ExxonMobil to founding regulated fintech infrastructure across the UK and United States.
Nadeem Siam is a dual Egyptian-British serial entrepreneur, technology innovator, and global fintech founder based between London, the US and the Middle East — with a career that spans satellite engineering for NASA, ESA and RUAG Space, deep-sea energy projects for Shell, BP and ExxonMobil, and the founding of regulated financial technology companies across the UK and United States.
Born in Egypt and a dual Egyptian-British citizen, Nadeem pursued an exceptional academic path in space engineering — earning two Master of Science degrees in Astronautics and Space Engineering from Cranfield University, and in Space Technology from Luleå University of Technology in Sweden. This foundation took him to the frontiers of space exploration: structural analysis on NASA's MMS satellite programme at KTH, and shock-load analysis for space structures at RUAG Space where he was mainly focused on the Galileo satellites' onboard computers and guidance system. What defined him even then was an instinct to automate — to replace manual, repetitive analysis with algorithms and intelligent systems that delivered results faster, more consistently, and at scale.
That instinct was fully realised during seven years at INTECSEA, a global subsea engineering consultancy, where Nadeem served as Lead Engineer and Project Manager on international deep-sea energy infrastructure projects for Shell, BP, and ExxonMobil. He developed and deployed advanced algorithms, custom engineering software, and early automation tools to standardise workflows that had always been done manually. The result was engineering delivered with machine-level consistency in a fraction of the usual time — a working proof of concept for what technology-driven scale could look like in any industry.
In 2017, Nadeem applied that same philosophy to financial services. He built his lending platforms not with large teams, but with proprietary technology: automated credit decisioning, fraud detection, compliance, onboarding, and loan management systems designed from day one to serve at scale with a lean core team. The UK platform — launched as WeLendUs and rebranded to Fund Ourselves in 2019 — earned full FCA authorisation and was recognised in the Fintech 50, TechRound100, and the World Banking Awards. Separately and simultaneously, Nadeem founded WeLendUs Inc., an independent US-based lending business. Across both platforms, he raised over $200 million and delivered investor returns consistently exceeding 17.5% per year for over seven years, through the COVID-19 pandemic, the UK cost of living crisis, and broader market downturns.
For much of this period, Nadeem operated deliberately out of the public eye — discretion was a strategic choice, not an absence of ambition. He built while others collapsed. He retained authorisation while competitors fell into administration. He delivered returns while others wound down.
Today, Nadeem leads Finular, a multinational FinTech group operating across the UK, Europe, and the US — the evolution of everything he has built. His track record is not defined by any single company. It is defined by a repeatable method: build on proprietary automation, operate lean, achieve disproportionate scale — and do it across borders, across markets, and through economic cycles.
$200M+
Capital Raised
Across UK and US lending platforms, from retail and institutional investors
17.5%+
Annual Investor Returns
Consistent over 7+ years — through COVID, the cost of living crisis, and broader market downturns
Hundreds of Thousands
Customers Served
Across the UK and US, reached through proprietary automation with a lean team
2
Regulated Jurisdictions
Authorised and regulated in UK and in the US — simultaneously, independently
Present
Finular — Founder & CEO
A multinational FinTech group providing optimised financial products across the UK, Europe, and the US — the evolution of a decade of building regulated financial infrastructure.
2023 — Present
Compositional IT Ltd — Director
Software and technology directorship, complementing a broader portfolio of technology-driven ventures.
2015 — Present
WeLendUs Inc. — Founder & CEO (US)
A separate, independently operating US-based fintech lending business, founded and run concurrently with the UK platform. A distinct entity, not a rebrand — serving the American market in its own right.
2015 — 2025
Fund Ourselves — Founder & CEO (UK)
FCA-authorised peer-to-peer lending platform offering affordable short-term loans to underserved UK borrowers, and 5–15% annual returns to retail and institutional investors. Originally launched as WeLendUs in the UK before rebranding to Fund Ourselves in 2019.
Fintech 50 (2020) · TechRound100 #22 (2020) · World Banking Awards — Most Innovative Brand (2019)
2011 — 2017
INTECSEA — Lead Engineer / Project Manager
International deep-sea energy projects for Shell, BP, and ExxonMobil. Pioneered the automation of complex engineering workflows — developing algorithms, custom code, and early AI tools to replace manual analysis with technology-driven consistency and scale. This became the direct blueprint for every business built thereafter.
2009 — 2011
NASA / ESA / RUAG Space — Structural Engineer
Structural analysis on NASA's MMS satellite programme at KTH Royal Institute of Technology. Shock-load analysis for space structures at RUAG Space, focused on the Galileo satellites' onboard computers and guidance system.
Nadeem Siam is a regulated and approved person in the United Kingdom and the United States. Dual regulatory approval across two of the world's most stringent financial services jurisdictions reflects a depth of compliance, governance, and professional standing that is a material distinction in financial services.
"When I was an engineer, I used to do a lot of analysis, and would build algorithms. I was dealing with numbers, so that's really the same as now."— Nadeem Siam · City AM, June 2018
Nadeem welcomes conversations around fintech partnerships, institutional investment, financial inclusion, startup mentorship, speaking engagements, and media enquiries.