Hoji Mirzakulov

Hoji Mirzakulov leads Dunecrest's Islamic Social Finance Practice. He is an Islamic finance practitioner and seasoned strategy consultant with over 15 years of experience, helping corporate and institutional leaders drive strategic change, architect innovative frameworks, and deliver measurable outcomes. His advisory work spans institutional framework development, product innovation, operating-model design, and enterprise transformation, delivered across the Middle East, Europe, Asia Pacific, and North America.

He holds the Chartered Islamic Finance Professional (CIFP) degree from The Global University of Islamic Finance (INCEIF), world renowned university in Islamic Finance. His project and research experience in the Middle East and Asia Pacific (Malaysia, Indonesia, etc) covers a broad spectrum of the industry, from Islamic social finance (Qard Hasan, Waqf) to commercial instruments (Sukuk structuring) and broader Islamic-banking practices, including a research collaboration with Deloitte Middle East on Sukuk and Islamic-banking developments across the region.

Previously, during his six years at Frost & Sullivan, a global growth consulting firm, Hoji led a business unit’s commercial and delivery activities with full P&L ownership across the Middle East and Europe. He managed a 9–10-person team of consultants and analysts, leading complex engagements end-to-end and successfully balancing pipeline growth, delivery quality, and client impact.

Hoji is currently pursuing his MBA at the Asia School of Business, established in collaboration with MIT Sloan and the Central Bank of Malaysia (MIT Sloan Global Program). He is the Founder & Executive Director of HM Research Group, leading research-driven strategy and innovation engagements for corporate and institutional clients.

Beyond client work, Hoji supports SME and startup growth in Malaysia and Uzbekistan. He coaches founders and SMEs on innovation and Blue Ocean Strategy through programs with the SME Bank of Malaysia and MaGIC (Entrepreneurship Center of Malaysia), has delivered non-profit work in the Philippines, and contributes to government-led innovation efforts in Uzbekistan via Uzbekistan 2035.