Our Management

Ghalib Nishtar

President & Chief Executive Officer

As the founder President of Khushhali Microfinance Bank since 2000, Ghalib Nishtar was part of the process initiated by the Government of Pakistan to reform the financial sector under the Microfina...

Ghalib Nishtar

President & Chief Executive Officer

As the founder President of Khushhali Microfinance Bank since 2000, Ghalib Nishtar was part of the process initiated by the Government of Pakistan to reform the financial sector under the Microfinance Sector Development Program with the objective of providing sustainable financial services access to the low Income segments of the market. Under his leadership Khushhali Microfinance Bank has emerged as Pakistan’s largest Microfinance institution with a nationwide presence across the country. Prior to Khushhali Bank he has over 20 years of management experience commencing with Bank of America in 1982 and concluding with the National Bank of Pakistan, country’s largest commercial bank, as its Senior Executive Vice President.

Syed Arif Mahmood

Chief Compliance Officer

Syed Arif Mahmood brings with him an overall banking experience of more than 17 years; particularly in the areas of Financial Crime Compliance and Regulatory Compliance....

Syed Arif Mahmood

Chief Compliance Officer

Syed Arif Mahmood brings with him an overall banking experience of more than 17 years; particularly in the areas of Financial Crime Compliance and Regulatory Compliance. As a compliance professional, he has developed a profound knowledge in Compliance risk management, Governance and regulatory issues with a specific focus on Anti-Money Laundering and combating the Financial Crime. Prior to joining KMBL, he has worked for Dubai Islamic Bank Pakistan Limited, Bank AL Habib Limited and UBL in various facets of Compliance function. He holds a Master’s degree in Finance and is also a certified AML Professional from the Association of Certified Anti-Money Laundering Specialists (ACAMS), USA.

Osman Habib Ahmad

Company Secretary & General Counsel

Mr....

Osman Habib Ahmad

Company Secretary & General Counsel

Mr. Ahmad is an experienced legal professional with expertise in Corporate / Commercial, Telecom, Energy & Power, Construction/Real Estate (FIDIC & Bespoke contracts), Banking (project financing), FMCG (tobacco) and limited exposure to the oil and gas sector. Mr. Ahmad is the Company Secretary & General Counsel at Khushhali Microfinance Bank Limited. Prior to joining Khushhali Microfinance Bank Limited, Mr. Ahmad, from 2018 till 2021, served as Senior Associate at Middle East Alliance Legal Consultancy, Abu Dhabi, UAE and also acted as the external legal advisor for Al Qudra Holding PJSC, Abu Dhabi, UAE. From 2008 till 2018 he also served as legal counsel for Pakistan’s leading law firms as well as multinational companies in the telecom and FMCG sector. Mr. Ahmad has experience in advising on legal matters in three jurisdictions, namely Pakistan, the UAE and Myanmar. Mr. Ahmad has a Master of Laws from School of Oriental and African Studies, University of London, a Post Graduate Diploma in Law from City University, London and a Bachelor of Laws from the University of London. Mr. Ahmad is also admitted as an advocate (High Court) in Pakistan and has been admitted as a Barrister (Lincolns Inn) in England & Wales. 

Nabeel Saeed

Head of Brands and Communications

A story teller by heart, solutions expert, Nabeel Saeed brings with him 20+ years of diversified marketing & communication experience working for a variety of prestigious companies in Cambodia,...

Nabeel Saeed

Head of Brands and Communications

A story teller by heart, solutions expert, Nabeel Saeed brings with him 20+ years of diversified marketing & communication experience working for a variety of prestigious companies in Cambodia, Qatar, Pakistan and USA.  Serving FMCG, Real Estate, Telecom, Oil & Gas, IT industry and Banking, prior to joining Khushhali Microfinance Bank, he was heading the Marketing function at Cynosure Solutions based in the United States. From working on a prestigious Colors of Venice project in Qatar to participating in the Annual Billionaire’s conference in Moscow, Nabeel has had the pleasure of working with multi-cultural societies and working with people from across the globe and partnered relationships for life. He holds a Bachelor (Hons.) & Master degree in Business Administration from Hamdard Institute of Management Sciences, Hamdard University, Karachi.

Muhammad Aftab Alam

Head of Distribution

Mr. Aftab is a retail banking professional. He has over 17 years’ progressive experience with Pakistan’s leading microfinance and non-bank MF institutions....

Muhammad Aftab Alam

Head of Distribution

Mr. Aftab is a retail banking professional. He has over 17 years’ progressive experience with Pakistan’s leading microfinance and non-bank MF institutions. He possesses extensive hands-on experience at different management positions. In these positions, he has demonstrated his expertise to lead and manage Microfinance, SME lending, 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 the 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 execution of banks sales & distribution strategy to drive profitable growth and that these are successfully communicated, inculcated and implemented across the organization. Mr. Alam serves as an active member of a number of SBP committees and sub committees on financial inclusion, microfinance, SME , Agriculture and Housing. He has attended the Boulder Microfinance program (Turin, Italy) and Frankfurt School of Business and Finance  (Frankfurt, Germany). Mr. Aftab has a degree in Business Administration – Finance. 

Daniyal Haq Awan

Chief Internal Auditor

Daniyal is a Chartered Accountant from The Institute of Chartered Accountants of Pakistan with eleven years of professional experience....

Daniyal Haq Awan

Chief Internal Auditor

Daniyal is a Chartered Accountant from The Institute of Chartered Accountants of Pakistan with eleven years of professional experience. His expertise are in External/Internal auditing, Risk Management, Project Management and IFRS Compliance. Daniyal has been associated with Khushhali Microfinance Bank for more than six years. His most recent assignment was in Finance Department where he was engaged in the implementation of CBAS project. Prior to joining KMBL, Daniyal has worked with Askari Bank Limited and A.F. Ferguson & Co. (a member firm of PwC network).

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 imple...

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).

Atif Aziz Ahmed

Chief Information Officer

Atif Aziz Ahmed brings 25+ years of diverse, local as well as International technology experience with him....

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.

Hammad Haider

Head Operations

Hammad Haider has a varied experience of about 20 years serving in various International and local Commercial Banks within Pakistan, where he progressed and achieved a learning curve ranging to dif...

Hammad Haider

Head Operations

Hammad Haider has a varied experience of about 20 years serving in various International and local Commercial Banks within Pakistan, where he progressed and achieved a learning curve ranging to different areas of Banking. He is a diversified professional with core competencies in the field of Operations, Business Technology Products, Operational Risk and Branch Banking Operations. His banking Career started from Emirates Bank International and prior to joining KMBL, he was Head-Alternate Delivery Channels in Allied Bank. Having a Masters in Public Administration, Commerce & Business background, by working on such dynamic assignments and roles, developed a skill set for technology based products, that enhanced IT practicality fervor, which enabled him to work for organizations in enhancing their technology driven products in line with their business needs. Hammad is exceedingly motivated and pragmatic person with extensive experience in leading on the analysis, development, and strategic improvement of processes. His areas of expertise other than commercial banking areas are BPR and System Migrations.

Amina Hassan

Group Head Business

Amina Hasan has over 20 years' service-sector experience with particular focus on managing grassroots initiatives for socio-economically vulnerable groups such as illiterate adults, child workers a...

Amina Hassan

Group Head Business

Amina Hasan has over 20 years' service-sector experience with particular focus on managing grassroots initiatives for socio-economically vulnerable groups such as illiterate adults, child workers and people with disabilities. With an MBA in Management and a Masters in Applied Psychology, she is adept at problem-solving and dealing with clients. In her association with KMBL of 19 years, she is recognized for her contribution towards establishing effective retail distribution & client service platform across branch, area, region & national level. Joining KMBL at inception as a branch manager, Ms. Hassan has progressed with the bank to become the first woman on the senior management team. She received specialized training in micro-enterprise management from the Kennedy School at Harvard University, Boulder USA, several management & retail related trainings domestically. Her portfolio also boasts exposure visits to International best practices such as BRI, Indonesia, Imon Tajikistan and M-Paisa, Kenya.

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....

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.