About Us




Mission Statement

Our Vision



About the President

Corporate Responsiblity


UJA, Inc is a progressive, efficient, and customer focused institution. UJA, Inc. has developed a wide range of consumer products, to enhance business and cater to the different segments of society at a cost effective price.

While our constant desire to improve will change some of the things we do as a company, we will always continue to exercise ethical business practices, maintain a respect for the individual and run our business in ways that earn us the trust of those whom we encounter.

As a global corporate citizen, UJA Inc also recognizes its responsibility to give back to and generate a lasting, positive impact upon the communities in which we work and live. This commitment to corporate social responsibility is a core pillar of UJA’s Mission, Vision and Values, and encompasses everything from philanthropy, volunteerism and environmental stewardship to diversity, corporate governance, ethics, data privacy and data security.

UJA's Mission

UJA Inc's mission is to differentiate ourselves as an institution built on Agility, Trust, Integrity, Compliance, Good Governance, and Commitment to deliver exceptional value to its officers, customers, networks, employees, and our community.

Throughout our history, we have been a wellspring of innovation, creativity and technological advances. And I am proud to say, UJA plans to continue its heritage of leadership in the markets we serve and in the communities where we live and work. We are also determined to help progress the creation of a sustainable world.

UJA's Mission Statement

To be a leading strong and stable financial institution offering its services with an international presence, delivering quality service through innovative technology and effective human resource management in a modern and progressive organizational culture of meritocracy, maintaining high ethical and professional standards, while providing enhanced value to all of our employees, customers, and contributing to the society we live in.

To develop & deliver the most innovative products at very cost effective prices, manage customer experience, deliver quality services that contributes to brand strength, which in turn establishes a competitive advantage and enhances profitability, thus providing value to UJA's commitment to excellence.

To provide value-added services to our customers
To provide high-tech innovative solutions to meet customer requirements
To create sustainable value through growth, efficiency and diversity
To provide a challenging work environment, and reward dedicated team members
To play a proactive role in contributing towards society
To Reach out and provide financial services to under-served and un-served customer segment.

UJA's team of committed professionals is dedicated to maintaining long term customer relationships through outstanding service and convenience.

Our Vision

To become a dynamic and efficient financial institution providing integrated solutions with the highest economic value added through engaged and motivated People, as well as to become the first choice for all customers.

Our Strategy

UJA's strategy is to achieve good growth through time by diversifying our business base and increasing its presence in markets and segments that are growing rapidly.
This is driven by the administration’s ambition to become one of a handful of universal institutions leading the global financial services industry.

Our strategy is of Focused Performance, Stringent governance, and Integrated management which is based on our principles of honorability, reliability, investments and growth.

Supporting this are UJA's four strategic priorities;
Build the best network in the USA
Accelerate growth
Develop retail and commercial activities
Enhance operational excellence

UJA's five guiding principles are the key to the way the UJA's business operates;
I. Collaborative Team Work: Working together and achieving collective and individual success.
II. Best people - developing talented colleagues to reach their full potential, to ensure UJA retains a leading position in its the financial services industry.
III. Customer and client focus - understanding customers and serving them brilliantly.
IV. Pioneering - driving new ideas, adding diverse skills and improving operational excellence
V. Trusted - acting with the highest integrity to retain the trust of customers, colleague's agent network and its affiliated companies.





  Excellence in Service

  High Performance

  Innovation and Growth

  Customer Focus


About the President

The President & CEO created UJA, Inc. to provide opportunity, leadership, and tools needed by and to expand, enhance, and sustain their abilities to advance the common good, and a sustainable greener world. He has had extensive experience advising on corporate strategy and corporate governance.

It is and will also be his strength which will enhance, will lead, will impact and advance his vision into the operations in a way that is seamless and gives great clarity of direction. Bringing about focused and effective resources; developing and identifying ongoing changes to achieve and connect to a strong tomorrow. No one can tell you that you can’t succeed regardless of your small business as this one day will become amongst the best companies regardless of how many years it takes one. Everyone sets their paces differently. This should not stop anyone. That is why we at UJA Inc have taken all necessary steps, actions to deter from unexpected losses. Our team is built on values of family, and commitment to make it better not only for us but our customers. We will bring about change and will surpass ones negatively through our professionalism, honesty, agility and compliance.

Simply put: We can do more for people, companies, and institutional investors than any other financial services company. And day after day, we are proving it in the marketplace.
Our job is to continue to focus intently on what we can control: providing our customers and clients with the best service and most comprehensive financial services solutions in the market, managing our costs, re-building our brand, and doing our part to keep the economy moving forward. Our long-term value will come through and will be reflected. The knowledge that you've done something great for someone else is a powerful reward.

Under Mr. Shad’s leadership, and dedication; UJA, Inc. has received several awards since its existence. Most recently, UJA Inc was awarded a Certificate of Appreciation from the City of Jersey City by the Mayor and the Municipal Council for its exceptional services to the communities. Also, for the past two consecutive years, UJA Inc received its most prestigious award from the US House of Representatives giving us Special Congressional Recognition in the services provided to our community.

He has a heart of gold which cultures his philanthropic and a charitable giving in the U.S. and globally.

The secret of our President & CEO is often conveyed by their words, expression, intent, compassion, creative, productive, interest, and of heart, that being said, it is himself which is a priceless pillar of integrity and honesty. He is one of a kind!

Mr. Shad also serves on a not-for-profit advisory boards in its home State of New Jersey.

Corporate Responsibility

At UJA Inc, our people have never shied away from hard work or difficult tasks. We continue to believe that our products, services and the value they add to our customers' remain the fundamental elements of our continued success.
We have an outstanding team in place across the company, at the senior management level and throughout our organization. Our success is a reflection of the quality of our people and their ability to work together. We are positioned well for growth as we look at high-quality, accretive growth opportunities.

UJA Inc will also maintain our century-old focus on being a valued neighbor, a trusted company with the highest standards of integrity and a key member of the communities where we work and live.

we all have a shared responsibility to do business in ways that respect, protect and benefit our customers, our employees, our communities, and our environment. This responsibility informs everything we do, both as a company and as individuals. Our Corporate Responsibility efforts are defined by and aligned with our core values:

Business is global
As a multi-state organization, we are ever mindful of the impact we can have both locally and even globally. We strive to think and act as a world citizen, following sustainable practices that make our world a better place.

People make the difference
In an industry as dynamic, innovative and complex as financial services, we need the very best employees. We are deeply committed to cultivating an inclusive environment where everyone can succeed based on merit. We believe no barrier should inhibit an individual from performing to his or her full potential

UJA is “special” because of its people – the quality of the team is outstanding.

We take great pride in our people, who are our most valued asset

They are the glue that holds us all together, managing everything across finance, investor relations, data security, legal topics, recruitment and social gatherings.

Thanks to our very talented team they have magically made the seemingly impossible, possible.

Every individual at UJA Inc plays a key role in assuring that we do business according to the highest standards of ethical and responsible conduct. We respect and value diversity in all its forms.

Customers are the heart of everything
Our customers have a right to know that the company they rely on for intelligent information is committed to integrity and to responsible and sustainable business practices. Their trust in us is fundamental to our business.