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....

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,...

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...

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