Sheik Muhammad was born in Cape Town. After his high school he received a scholarship to study at the Islamic University of Madina in Saudi Arabia and completed his Honours degree in Shariah Law.

Upon returning to his homeland, he pursued an MBA degree from the Nelson Mandela Business School with specialization in Islamic Finance and Business Strategy.

He is also a katheeb for Friday Sermons around Cape Town and acts as an advisor for various Mosques and community organizations. He is also the founder of Alfurqan Institute for Adult Learning.

He previously held a position as Regional Islamic Finance Head for both Absa and FNB for the Eastern and Southern Cape. He is currently the Head of Finance for iERA Africa.