Adv.Emam Khan
Managing Partner
Al Reef United Trading LLC
Among Keralite entrepreneurs in the Sultanate of Oman, Emam Khan deserves special mention for being a legal maven and a multifaceted personality. This advocate is at the helm of Al Reef United Trading LLC, which is a firm dealing with Debt Collection and Advisory. He is also noted in the expatriate community for his social commitment and as the Chief Coordinator and Legal Consultant of Who’s Who of Oman Malayalis and Who’s Who of Oman Indians.
Saga That Began in Anchal
Emam hails from Anchal in Kollam district where he was born to late Thajudeen a retired government employee, and Rafeeca Beevi, a homemaker. From an early age, as a stage performer, he actively participated in cultural events, including mimicry, singing and public speaking and emerged as a university-level performer in mimicry later on in life. He also performed in Aakashavani Radio. After schooling, he did his graduation from St John’s College, Anchal, after which he pursued a degree in Law from Dr. Ram Manohar Lohia College of Law, Bangalore University. As a student, he was involved in campus politics and held several responsible positions.
Soon after graduation, he founded and successfully managed a well-known parallel coaching institution in Anchal, offering academic support up to graduation level.
Career Graph
Emam was the legal advisor of Medicity Group from 2004 to 2006 and he was also with Sabarigiri Group of Institutions in the same capacity and was CEO of the group’s Paramedical College. His stint with the Sultanate of Oman began way back in 2007 when he joined Future Plastics LLC as Business Head. In 2010, he joined Styro Insulation Materials in Dubai as Sales Manager for the Sultanate of Oman. From 2013 to 2016, he was with Al Rafa International, which is a branch of Dubai-based Bin Naser UAE Group & Al Bawadi Metal Industries Dubai. He also served as GCC Country Manager with KBE Gulf LLC from 2016 to 2020. From 2020 to 2023, he served as Divisional Manager of Trade Link and Services in charge of Building Materials Division. From 2023 to 2024, he was with Al Jassar LLC as HVAC and Building Materials Division Manager. Parallelly, he remained actively engaged in the legal sector, offering guidance and support—especially to distressed expatriates in Oman.
Currently, he is the Managing Partner of Al Reef United LLC Debt Recovery and Advisory, a legal debt collection firm associated with Hilal Al Sabqi Law Firm. Emam is well-versed and regularly updated in Oman’s legal framework, and he also functions as a Business Advisor, Counsellor and Educational Mentor.
About Al Reef
Al Reef is a dynamic and results oriented firm that deals with ethical, efficient and professional debt collection and provides consultancy services as well. Emam supervises a team of legal professionals and negotiation specialists to help businesses and individuals recover outstanding debts in compliance with local laws and with the aid of strong client-debtor relationships.
The firm promises to deliver bespoke solutions to meet the diverse needs of corporate clients, SMEs and individual creditors in multiple sectors. Al Reef operates with full legal compliance and upholds the highest standards of transparency, confidentiality and professionalism. It makes use of all amicable and legal channels to recover debts in an ethical manner all the while ensuring that the dignity of all parties involved are maintained.
Al Reef also has the expertise to provide financial advisory to businesses and individuals to help them prevent defaulting in the future and improve their credit health. It operates with full legal compliance and upholds the highest levels of transparency, confidentiality and professionalism. Their personalised solutions reduce financial strain and improves cash flow stability thereby enabling them to build lasting partnerships with clients.
The company has a dedicated team of legal professionals, financial consultants and experienced recovery agents who have in-depth understanding of the emotional and economic aspects of debt resolution. They are specifically trained in conflict resolution, negotiation and legal procedures to enable the highest levels of professionalism and success.
A Whole Plethora of Services
The firm offers a whole gamut of services for its wide array of customers.
They include:
- Debt Collection: It is done professionally by experts who are specialised in ethical and lawful recovery of outstanding debts ensuring fast, firm and respectful handling.
- Exceptional Legal Help: In-house legal experts provide comprehensive support all through the recovery process.
- Strong Team: The firm’s strong legal team have in depth knowledge of Omani laws and global best practices.
- Tailored Solutions: For both businesses and individuals, they have bespoke solutions for the specific needs of the clients.
- Business Consultancy: The company lends a helping shoulder to entrepreneurs, SMEs and companies with business setup, restructuring, operational planning and financial efficiency to enhance sustainable growth.
- Management Consultancy: It also takes pride in providing strategic insights on how to boost business processes and organisational development to enhance productivity and ensure long term success.
- Feasibility Studies: It provides a detailed feasibility study to cover market analytics, financial projections, operational planning and risk assessment.
- Official and Governmental Assistance: The firm facilitates communication and coordination with government departments.
- Embassy and Consular Support: Documentation and legal coordination for foreign expatriates and those dealing with Consular services, Embassies or Diplomatic matters.
- Banking and Financial Guidance: Offers expert advice on banking procedures, loan restructuring, credit disputes and overall financial planning to help individuals and businesses.
- Arbitration Support: Provides mediation and arbitration services to resolve conflicts out of court thus saving time, cost and preserving relationships.
- Legal Risk Management: It enables enterprises to identify potential legal risks in contracts, operations, partnership and implement strategies to minimise exposure and ensure compliance.
- Legal training and workshops: Conducts tailored training sessions and workshops in Debt laws, Financial regulations, Contract law and risk management for professionals, business owners and legal teams.
Al Reef serves a whole range of industries such as:
- Banks and Financial Institutions
- Insurance firms
- Investment companies
- Manufacturing firms
- Distribution companies
- Trading Companies
- Logistics Companies
- Construction Companies
- Clinics and Hospitals
- Educational Institutions
- FM Companies
- Embassies
- Individual Concerns including labour disputes
How it is done
It is done with utmost ethical and professional standards by prioritising respect, confidentiality and diplomatic approaches. It is client centric and maintains regular reporting progress tracking and flexible engagement to suit client needs.
The operations are technology driven and they include modern customer relations management and automated tracking tools. It provides real-time updates on all procedures.
The firm adheres to Omani laws and Central Bank norms and makes sure that every recovery is lawful and carefully documented.
Major Activities
- Legal Consultation and Advisory Services
- Civil and Criminal Cases
- Employment and Labour Cases
- Corporate and Commercial Cases
- Real Estate and Property litigation
- Banking and Financial Cases
- Family and Personal Cases
- Tax and Insurance litigation
- Maritime and Transport Cases
- Construction and Infrastructure Cases
- Arbitration
- The company’s services embrace Litigation and Dispute Resolution, Administrative and Governmental, Immigration and Residency Services, Legal Translation and Documentation Services, Drafting of Contracts and Build Operate Transfer apart from Attestation Services.
Family, Interests and Activities
He is married to Thahiyath, who is an Engineering graduate in Electronics and Communication with two years of work experience with ANERT under the Kerala Government and six years as Insurance Coordinator at Badr Al Samaa Hospital. She is also an expert in craft and henna designs. Their son Anfal Mohammed is a BTech student in Artificial Intelligence and Machine Learning at Rajadhani College of Engineering in Thiruvananthapuram. He is a stage performing artist as a singer. They also have a daughter Fathima Nasrin who is in Class VII at ISM.
Emam is passionate about singing and mimicry. He was a stage performer who led his own troupe in performing at numerous cultural events, including temple festivals and prestigious programmes such as the World Malayalee Association Annual Celebration at Bolgatty Palace in Kochi and in the presence of late T N Seshan, former Chief Election Commissioner and renowned Malayalam cine artist Madhu. He also acted in television serials such as ‘Pakida Pakida Pamparam’ with Tom Jacob, late Kochu Preman and several other stars.
He has been consistently involved in social service and charitable activities in both Kerala and Muscat, a commitment he continues with pride. As a motivational speaker and law instructor, he conducted seminars and delivered lectures at colleges and distance education centres affiliated with the University of Kerala. Emam is also handling the Legal Helpdesk of the Ruwi Malayalee Association and is involved in social causes as well.
He contributes insightful articles across various platforms, providing practical legal awareness and guidance to the expatriate community in Oman.
Contact Information
Al Muhallab Building, Al Ansab, Muscat
Mobile: +968 95958066 / 9595 2066
