Ghazanfar is one of the leading bankers in Pakistan with many achievements to his credit in commercial, consumer, retail, SME and micro banking segments which include establishment and successful operations of two leading nation-wide microfinance banks in Pakistan i.e. FINCA in 2008 and MOBILINK BANK in 2012. Mobilink Bank, backed by VEON, a global technology co., is a hybrid model combining MSME with mobile digital & agent based banking offering loans, savings, remittances, utility bill collection, mobile wallets, insurance, G2P & B2P payments through an alliance with Pakistan's largest telecom operator JAZZ under the brand name JAZZCASH. The bank now operates with a network of 74 branches & over 90,000 branch-less banking agents across the country. JazzCash is playing a leading role in digitizing payments in Pakistan. Under his leadership Mobilink Bank won two consecutive BANK THE UNBANKED in 2018 and 2019 in Pakistan Banking Awards jointly administered by the Institute of Bankers Pakistan, AF Ferguson and DAWN media group under supervision of State Bank of Pakistan.Before moving to microfinance, Ghazanfar also worked with Shore Bank International (Now Enclude) as a senior consultant and Head of SME down scaling USAID funded WHAM project 2005-7. He has extensive global exposure and have been to Indonesia, Cambodia, Turkey, Italy, Romania, Kenya, Ethiopia, Nigeria, South Africa, United States, Bolivia, Morocco, UAE, Oman and United Kingdom on work related trips, conferences & exposure visits. He has also attended a course in International Finance at the World Bank Institute in Washington, DC in March 2001.Ghazanfar started his banking career with HBL, Pakistan largest commercial bank, and moved on to work with some of the best private sector commercial banks i.e. Union Bank, Prime Commercial Bank & Bank Alfalah. He is a graduate of Karachi University and did his master’s in business administration (MBA) from IBA, Punjab University, Lahore.
- 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 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 Information 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.
- Sardar Mohammad AbubakrChief Financial & Strategy Officer
- Shahid UmarChief Ethics and 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.
- Sana TariqChief Legal & Corporate Affairs Officer
Barrister Sana Tariq is experienced in various areas of law and has overseen Joint Ventures, Mergers & Acquisitions in the past. Has set up and headed Legal, Ethics Compliance and Governance functions. She holds vast experience especially in the Microfinance Sector and Branchless Banking. As Company Secretary has worked with a number of senior Directors. She is a Barrister-at-Law and holds a Masters in Law (ICSL/City Law School), Member of Lincolns Inn and enrolled in the High Court of Sindh.
- 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 HaideriChief Branchless Banking Officer
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.
- Umar ViqarChief Branch Operations
Mr. Viqar has over 27 years of Banking experience in domestic and multinational Banks within and outside Pakistan. He has a track record of innovative and creative contributions leading to customer and shareholder value. He has worked in several other domains beside key area of Banking Operations which includes sales and distribution, branchless banking & delivery with prestigious organizations like ANZ Grindlays, Standard Chartered, Union Bank, Summit Bank, Dubai Islamic Bank, Ubank, Allied Bank and Waseela Microfinance Bank. Prior to joining Mobilink Microfinance Bank in the year 2020, Mr. Viqar was working in Digital Banking Group of Allied Bank.