Aameer Karachiwalla

President/CEO

With over 30 years of experience, Mr. Aameer Karachiwalla is a fellow of  the Institute of Chartered Accountants of Pakistan and a long-serving Director and Chairman of the Board of Directors of Khushhali Microfinance Bank Limited. Mr. Karachiwalla was re-appointed the Chief Financial Officer of UBL in July 2016. He joined UBL in 1998 and has previously held the positions of Chief Operating Officer, Chief of Staff and Group Executive Retail Banking at UBL. During this time, he has been instrumental in launching the bank’s branchless banking business, implementing the IT vision of the bank and in developing the bank’s overall restructuring plan which led to its successful privatization. He is also the Chairman of The Board of UBL Insurers Ltd and Director at 1Link. Before joining UBL Mr. Karachiwalla held senior positions at a number of financial institutions and multinationals including American Express Bank, Citicorp Investment Bank and Artal Group of Companies.

Saleem Akhtar Bhatti

Group Head Finance & CFO

Saleem Akhtar Bhatti is a finance expert with more than 25 years of industry experience. Saleem joined Khushhali Microfinance Bank in 2001. Prior to KMBL, Saleem held various management positions providing leadership and strategic direction in the finance & accounting functions through financial strategy, planning, financial and management accounting, budgeting, tax planning, defining financial policies and controls.

Muhammad Mustqim Rao

Chief Banking Services & Chief of Staff

Muhammad Mustqim Rao is a highly accomplished microfinance professional with a remarkable career. With expertise in risk management and compliance, he has excelled in diverse leadership roles. As the Head of Credit Operations at Telenor Microfinance Bank, he successfully implemented credit risk strategies and detected major fraudulent exercises within strict timelines. Additionally, as Manager of Business Banking at FINCA Microfinance Bank, he effectively managed a substantial asset portfolio and ensured compliance with regulatory directives. Muhammad Mustqim Rao's proficiency extends to internal audit, internal controls, and value chain financing. His strategic mindset, operational excellence, and track record of driving organizational success make him an ideal candidate for roles in risk management, compliance, and business development within the microfinance industry

Muhammad Aftab Alam

Chief Business Officer

Mr. Aftab is a retail banking professional. He has over 20 years of progressive experience with Pakistan’s leading microfinance bank and non-bank MF institutions. He possesses extensive hands-on experience in different management positions. In these positions, he has demonstrated his expertise to lead and manage Microfinance, MSME lending, Housing Finance, Consumer Lending and deposits value streams. He excels in business planning, product management, people management and growing distribution networks. In his present role, he is leading the sales and distribution network of Pakistan’s largest microfinance bank - a role in which he led the bank’s efforts to provide best-in-class financial services to the ‘bottom-of-the-pyramid’ segment as well as MSMEs of the country. He is responsible for developing and executing the bank’s sales & distribution strategy. He has to develop, drive & achieve bank’s Financial and Nonfinancial business targets for profitable growth.  Mr. Alam serves as an active member of a number of SBP sub-committees & special groups on financial inclusion, microfinance, SME, Agriculture and Housing. He has attended the Boulder Microfinance program (Turin, Italy) and the Frankfurt School of Business and Finance (Frankfurt, Germany). Mr. Aftab has a Master’s degree in Business Administration – Finance.      

Ali Imran Bokhari

Chief Risk Officer

Syed Ali Imran Bokhari is a management executive with diversified experience, of over 19 years, in development and implementation of Compliance and Risk Management Frameworks, development and implementation of Standard Operating Procedures (SOPs), Financial & Management Consulting Services, Institutional Assessments and Appraisals, Supervision and Administration of Audit & Assurance Services, Financial Reporting, Regulatory Compliance, Corporate Governance, and Restructuring & Business Valuation, including feasibility analysis & share valuation. He is a Certified Expert in Risk Management from Frankfurt School of Finance and Management, Germany, a Certified Financial Consultant from Canada and Chartered Accountancy Finalist from Pakistan. He holds membership of Institute of Internal Auditors, USA and Institute of Financial Consultants, USA. He is also an associate member of Association of Certified Fraud Examiners (ACFE).

Tariq Mahmood

Chief Internal Auditor

Mr. Tariq Mahmood is a Fellow Chartered Accountant & Cost and Management Accountant with diversified exposure of over 22 years in external & internal audit, advisory, accounting and financial management. He has served in multiple sectors, including Microfinance Banking, Oil & Gas, construction, real estate, logistics, media & telecom, development sector and Big-4 Accounting Firms (KPMG & Deloitte) across Pakistan, UAE, Saudi Arabia and Afghanistan. Mr. Tariq has extensively worked on financial sector consultancy and assurance engagements within and outside Pakistan. He has also worked on capacity building and has been a seasoned trainer of IFRS and Auditing Standards.

Farhad Zulfiqar Ali

Chief Human Resources Officer

With over 25 years of banking experience spanning Pakistan, the Middle East, Lebanon, and Syria, Mr. Farhad has successfully led business, digital, HR, Risk, and governance transformations, earning international recognition along the way. Most recently, he served as CEO of The First Microfinance Bank, Syria (part of The Aga Khan Development Network), where he drove impactful organizational change in a highly complex environment. Mr. Farhad is an MBA from IBA Karachi and has completed the Strategic Leadership in Financial Inclusion program at Harvard Business School, USA.  

Tahir Waqar Ali

Chief Information Officer

With over 25 years of experience in leading technology strategy and innovation for major financial institutions, Mr. Tahir brings a wealth of expertise in driving large-scale digital banking initiatives, enterprise architecture, IT governance, and Agile project management. Having worked in senior positions at esteemed banks such as HBL, ABN AMRO Bank, Royal Bank of Scotland and Mobilink Microfinance Bank. He has a proven track record of driving operational excellence, achieving significant cost savings, and leveraging technology for business growth and innovation.

Aqeel Ahmed

Chief Compliance Officer

Aqeel Ahmed has a diversified progressive experience of over 27+ years in different institutions, multiple departments and in various Leadership roles. His experience covers the key segments/functions like Finance & Accounts, Operations, Internal / External Audits, Risk Management, Taxation and Corporate Affairs. He has been part of the founding team of Khushhali Microfinance Bank Limited (KMBL) and played a pivotal role in establishing the Compliance function of KMBL. Before joining KMBL, he completed his Chartered Accountants (CA) Articleship under the byelaws of The Institute of Chartered Accountants of Pakistan with “Tariq Ayub Anwar & Co. CAs Islamabad)”. He holds a Master’s degree in Business Administration - Finance.   

Orya Ali

Company Secretary & General Council

Orya Ali's impressive background spans various critical positions, including Head Compliance & Governance Consultant at a distinguished Dubai-based company and AVP Corporate Affairs & Legal at U Microfinance Bank Limited. Furthermore, her extensive experience as a practicing Attorney-at-Law and Corporate Legal Counsel equips her with a wealth of expertise in governance, compliance, corporate, and legal affairs. Throughout her career, Orya has handled diverse responsibilities, providing invaluable insights and essential skills for effectively navigating complex legal and regulatory landscapes within any organization.

Khawaja Shoaib Hassan

Chief SAM

Mr. Shoaib brings over two decades of experience in the banking industry, with strong expertise in debt collections, recoveries and litigation management. His career includes key leadership roles at leading financial institutions such as United Bank Ltd., MCB Bank Ltd. and Standard Chartered Bank. For the past three years (September 2022–2025), Mr. Shoaib has been associated with KMBL on secondment, during which he played a pivotal role in establishing the Collection & Recovery Department, now evolved into the Special Asset Management (SAM) function. His deep insight into collections, recoveries and litigation significantly strengthened the Bank’s recovery framework and contributed to several strategic portfolio-management initiatives.