Management

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.

Hammad Haider

Head Operations

Hammad Haider has over 25 years of experience with the country’s leading Commercial & Microfinance banks, including International Banking. He progressed through a learning curve encompassing diversified banking domains including Branch & Corporate Operations, Credits, Alternate Delivery Channels, Digital Transformation, Core Banking Systems Deployment, Business Process Reengineering, Service Quality, Enterprise Project Management, Business Continuity & Disaster Recovery, Administration and Operational Risk Management. His banking career started at Emirates Bank International in 1996. Prior to joining KMBL, he was Head-Alternate Delivery Channels at Allied Bank. His key projects over the past 7 years in KMBL include Corporate Office relocation, T24 (CBAS) implementation and CBAS functional support set up, and MPG/RAAST deployment. His earlier hands on experience on ADCs has been instrumental in Digital Enablement of the bank, entailing IRIS setup, Call Centre, IB & MB, ATMs, Debit Cards, RTGS, Image Based Clearing, Digital Account Opening, CIR RPA; Data Centre relocation, BCP & DR management etc. Having a Master’s in Public Administration with Commerce & Business background, and spearheading above projects Hammad developed a strategic drive for technology-based business transformation. With his experience, attention to detail, pragmatic approach and motivation to delivery - he acts as a strategic advisor and change catalyst in all enterprise level projects, particularly in Digitization, Governance, BPR and Control domains – which remained his key strengths in achieving operational objectives, while also inculcating a culture of governance in KMBL.  

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.      

Atif Aziz Ahmed

Chief Information Officer

Atif Aziz Ahmed brings 25+ years of diverse, local as well as International technology experience with him. Prior to Khushhali Microfinance Bank, Atif headed the technology division at Tameer Micro Finance Bank for four and a half years where his areas of influence included technology strategy, operations and project deployments. He has also worked at well-renowned stock brokerage firms in Pakistan including KASB Securities and AKD Securities, where he lead the Information Technology teams. He started his career in 1993 from IBM Pakistan, where he worked as a systems engineer for two years before leaving for Canada and then US to work at AT&T Research Labs, New Jersey. He came back to Pakistan in January 2000 and worked as a senior project manager at an off-shore software project development company for four years. Atif considers the importance of software programming as well as technology in general in our lives and therefore is an ardent proponent of including computer programming in the curriculum from a very early stage in schools. Atif also likes to teach and has taught at different institutions in Pakistan. These institutions include FAST - NU, ICAP and Karachi Institute of Technology and Entrepreneurship (KITE). He is very fond of giving career advice to the youth of Pakistan and has conducted several career-counseling sessions for BBA and MBA students of various institutions as well. Atif holds Masters and Bachelors in Computer Science degrees from National University of Computer and Emerging Sciences FAST-NU, Karachi.

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).

Saira Gabol

Chief Human Resources Officer

Saira is a senior HR professional with over 15 years of experience in Pakistan, the Middle East and the United Kingdom, and has worked with business leaders across diverse cultures and backgrounds to deliver results for their teams. Saira has experience in leading the HR function in the microfinance industry, for an international MFB and has also been part of the HR team for large commercial banks including HBL and HSBC. Saira previously worked at a regional level for one of the world's largest multinationals, with offices in 80 territories. Saira holds a Master's Degree in Human Resource Development with distinction from the University of Manchester in the United Kingdom.

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.   

Muhammad Mustqim Rao

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