Our Management

Aameer Karachiwalla

President and Chief Executive Officer

Mr. Aameer Karachiwalla is the newly appointed President and Chief Executive Officer of Khushhali Microfinance Bank. With over 30 years of experience, he 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.

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.

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.  

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 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.