Gaurav Ramphal
Founder & CEO, ALMC
Gaurav Ramphal is a seasoned banker with over 18 years of experience in various financial
management roles in the UAE. Throughout his career, Gaurav has developed a deep
understanding of the region’s financial landscape, building strong relationships with key
banking institutions and gaining expertise in diverse financial services.
He founded Appex Advisory Services (AAS) FZCO to assist clients with setting up businesses in
the UAE, a venture that quickly achieved notable success. Leveraging this momentum, Gaurav
expanded his portfolio by establishing Appex Legacy Mortgage Consultancy (ALMC) LLC, with
the aim of providing clients with personalized mortgage solutions. Drawing on his extensive
banking connections and years of experience, Gaurav now helps clients secure the best
mortgage options, guiding them through the process with professionalism and precision.
Shivani Bakshi
SENINOR MANAGER
Shivani Bakshi brings over 18 years of corporate and banking experience in the UAE to her
role at ALMC. As a seasoned banker, she is committed to delivering top-tier mortgage
solutions while staying closely connected with both clients and banking partners. Shivani
believes in maintaining the highest standards of service quality and transparency, ensuring
that every client receives clear, honest guidance throughout the mortgage process. Her
dedication to fostering strong relationships with financial institutions and clients alike allows
her to navigate complex mortgage arrangements with ease, providing exceptional value and
trust.
VIRAL DALAL
DIRECTOR OF COMMERICIAL
Viral Dalal serves as the Director of Commercial at Apprex
Mortgage Company, bringing deep expertise in commercial
and SME financing. With extensive experience in structuring
complex financial solutions, Viral specializes in equity release
cases for SMEs, helping businesses unlock capital to drive
growth and stability.
At Appex Mortgage, Viral will drive business expansion, foster
lasting client relationships, and champion strategic initiatives
that reflect our dedication to offering bespoke mortgage SMEs
solutions with trust and quality.
A p pex
He plays a key role in strengthening Apprex’s position as a
trusted partner for small and medium enterprises seeking
innovative financial support.
MARIA TERESA GARCIA JABBUR
BUSINESS DEVELOPMENT MANAGER
Maria Teresa Jabbour joins Appex Mortgage as our new
Business Development Manager, Bringing over 20 years of
expertise in Banking, Customer Relationship Management,
and Business Development across the UAE Financial Sector.
With a strong track record at Emirates NBD, Maria
has Consistently Delivered Growth through strategic Client
Engagement, Cross-functional Leadership, and Excellence
in Customer Service. Her passion for Building long-term
client Partnerships.
At Appex Mortgage, Maria will Focus on Expanding our
Business Network, nurturing client Relationships, and
Driving Strategic Growth initiatives Aligned with our
mission to deliver tailored Mortgage Solutions with
integrity and Excellence.