Our Management

Arshad Ali

Head of Products

Arshad Ali joined Khushhali Bank in 2021 as Head Product & Digital Banking and is responsible for defining, developing, and managing Khushhali Bank’s products. He also represents Khushhali Bank as Chief Digital Officer and spearheads bank-wide digital transformation strategy and key digital initiatives. Furthermore, his responsibilities include driving customer engagement and building a complete end-to-end digital servicing experience across all the digital channels of Khushhali Bank. With over 12 years of diversified experience in product, business management, and all technology areas, Arshad is a proven and accomplished leader with an impressive record of designing and building solutions to deliver game-changing ideas and breakthrough customer experiences. Before joining Khushhali Bank, Arshad served in various executive roles at Bank of Punjab, Silkbank, and Rocket Internet (Daraz, Kaymu). His core expertise includes customer-centric product development, digital financial services, business strategy & channel development, digital transformation, operational excellence & automation, payment ecosystem development & integration, and data analytics. Arshad holds a Master’s Degree focused in Digital Marketing, Entrepreneurship & Data Analytics from Middlesex University, London, UK.  

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. 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. 

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. 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 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.