Ghazanfar is President & CEO of Mobilink Microfinance Bank Limited since its inception from 2012. He has vast experience & exceptional achievements to his credit in retail, commercial, consumer, SME & micro banking segments including launch of two leading greenfield nation-wide microfinance banks in Pakistan i.e. Kashf MF Bank in 2008 (now FINCA) & MOBILINK BANK in 2012. Mobilink Bank, backed by Global Telecom Holdings & Veon now operates with 61 brick & mortar branches and 73,000 branchless banking agents offering micro enterprise loans, micro housing loans, savings, domestic remittances, utility bill collection, mobile wallets, life insurance & G2P & B2P payments through a strategic alliance with Pakistan's largest telecom operator JAZZ under the umbrella of JAZZCASH. In a career spanning over 32 years, Ghazanfar worked for some of the best banks in Pakistan including HBL, Union Bank, Prime Bank & Bank Alfalah in retail, commercial, consumer & SME Banking segments. In addition, he spent several years as head of training & development at Prime Bank & Bank Alfalah. In recognition of his contributions to HR development & training in banking industry, he was awarded prestigious Hubert Humphrey Fellowship by the United States Government for the year 2000-01 under Fulbright program at. The program included studies at Penn State, PA in HRD & Leadership and practical work experience at ABN Amro Bank, North America in Chicago. Before moving back to business leadership, Ghazanfar worked with Shore Bank International (Now Enclude), a leading international consulting company in SME and microfinance based out of Washington DC and operating globally, as a senior consultant and Head of a USAID funded SME downscaling project in 2005-7. He has extensive global exposure and have been to Indonesia, Cambodia, Turkey, Romania, Kenya, Ethiopia, South Africa, Nigeria, Morocco, Oman, Bolivia, United States and United Kingdom on work related trips and assignments.
- Ghazanfar AzzamPresident / CEO
- Muhammad Asim AnwarChief Business Officer
A Seasoned Microfinance Professional with more than 16 years of diversified experience across key business segments including Business Banking, Bank Operations, Branchless Banking, Administration & Procurement. While managing larger workforce across various locations in the country, Asim has been deeply involved in mobilizing the field operations and achieving bank revenue targets through quality portfolios, diversified business products and effective client management.
- Syed Sajjad Qayyum AshrafChief Credit Management and Service Quality
S. Sajjad Q. Ashraf is an experienced banker having worked in different Institutions in various capacities, including Leadership roles. Sajjad’ s experience covers key banking functions such as Credit, Operations, Business Banking, Compliance, risk management, Strategic Planning/Business Initiatives, and teams building. He is MBA, LLB(Pb.), D.A.I.B.P.
- Faisal MahmoodChief Digital & Technology Officer
Banking Technologies professional with overall 15 years of working experience in the specialized areas of Digital Transformation, Business Process Re-engineering and have meticulous exposure of Core Banking Systems, Alternate Delivery Channels, Mobile/Digital Financial Systems and Process Automations. Worked as mid and senior management positions in Commercial and Microfinance Banks including ABN AMRO, MCB, FINCA, Waseela and NRSP Banks.
- Tayseer AliChief Financial Officer
Tayseer is a Chartered Accountant from ICAEW and a Fellow Chartered Certified Accountant. He joined the Bank in January 2017 and has been associated with financial services industry since 2011 in various leading roles.
- Shahid UmarChief Compliance Officer
Shahid Umar is a corporate lawyer with a track record of heading legal and compliance functions in diversified environments. He carries experience in a wide spectrum of industries i.e. Oil and Gas, Banking, financial services, Pharmaceutical, Plant Protection, Chemicals, and Telecommunications, managing and advising on commercial law, business ethics, corporate compliance, litigation, risk assessments, settlements, and HR related matters.
Shahid has worked on several local and global initiatives for rolling out compliance program and structuring legal and compliance functions. He has been handling litigation, contract management, periodic audit & monitoring, risk assessments and managing incident reports and investigations. He has managed DOJ monitorship complying with the obligations under deferred prosecution agreement. He also participated in M&A activities including due-diligence, compliance integration, pre/post-merger due diligence and implemented compliance program within newly acquired entities and joint ventures. He is also a certified compliance and ethic professional and a certified trainer. He is a speaker on diversified areas including antitrust and anti-corruption enforcement (US FCPA enforcement) and compliance program.
- Samiha Ali ZahidChief Human Resource Officer
Samiha brings with her 15 years of cross functional experience in OD, Staffing & HRM resulting in creating cohesive and high performing teams that contribute towards business goals. She holds a Masters’ Degree in Public Administration and is a Certified Trainer. She also holds a Certification in Korn Ferry’s product suite "Korn Ferry Leadership Architect". Samiha has proven experience of collaborating with other Business functions to initiate programs aimed at developing and sustaining a positive employer image which is crucial to attract and retain talent. Her expertise include development of policy guidelines aiming to bring internal and external equity for employees. For the last 6 years she has addressed and implemented strategic plans for managing people experience, compensation structure, retention and succession plans.
- Mohammad IrshadChief Legal Officer & Company Secretary
Mr. Irshad since 1997 has been profoundly involved in and conducting litigation in different courts and various civil, corporate, employment and tax laws, advising on corporate and commercial matters in accordance with law, substantial experience of working in the best litigation and corporate law firms, acting as legal adviser, head of legal affairs and company secretary in telecom and banking companies. Mr. Irshad has vast serious experience and keen interest in areas of merger & acquisition, commercial transactions, project financing, transactions involving mobile financial services and procurement and implementation of technology including digital systems and services. Mr. Irshad is well acknowledged effective team leader. Mr. Irshad is a law graduate from University Law College, University of the Punjab, Lahore.
- Muhammad Rizwan IkramChief Risk Officer
Mr. Ikram has more than 19 years of vast experience in Commercial, Microfinance Banking and Financial Industry to his credit. He has worked in the fields of Risk Management, Credit Underwriting, Banking Operations, Finance, Compliance and training with prestigious organization like MCB Bank Ltd, Khushhali Microfinance Bank Ltd, Waseela Microfinance Bank Ltd. And U Microfinance Bank Ltd. Prior to joining Mobilink Microfinance Bank Ltd., Mr. Ikram was working for U Microfinance Bank as Chief Risk Officer. He was member of the core team that established and launched Waseela and U Microfinance Banks along with launching of their Branchless Banking Brands of MobiCash and UPaisa. Mr. Ikram is CFA & ACCA qualified besides holding banking diploma from Institute of Bankers, Pakistan and Risk Management Certification from Frankfurt School of Finance & Management.
- Khurram AdeelHead Internal Audit
Mr. Khurram Adeel is member of the Association of Chartered Certified Accountants, UK (ACCA). He is also member Information Systems Audit and Control Association (ISACA), USA. He has attended various professional training courses/seminars. Mr. Adeel joined Mobilink Microfinance Bank in May 2017 and is presently designated as Head Internal Audit since March 2018. Prior to this, he was working as Senior Manager Internal Audit.He possesses over 13 years of experience in the field of Internal Audit, Information Security, IT risks and IT Audit. He has an experience of multiple organizations including Pakistan Mobile Communications Ltd (Mobilink), Habib Bank Ltd, Askari Bank Limited and Banque Saudi Fransi (Riyadh, KSA).
- Ayyaz HaideriHead Operations
With an experience of 12 years, Ayyaz is a thorough professional and expert in the field of branchless banking and telecommunications. He successfully delivered critical projects showcasing his skills and leadership. Some of his notable projects of which he was a part were Easypaisa, HBL Express, JazzCash etc. where he looked after end-to-end development and deployment. He has also managed alternative delivery channels for Mobilink Bank. Ayyaz is a Business Graduate from UCP Lahore and currently working as Head of Bank Operations and Branchless Banking at Mobilink Bank.