Aqeel Ahmed

Chief Compliance Officer

Aqeel Ahmed has diversified progressive experience over 27+ years in different institutions, multiple departments and in various Leadership roles. His experience covers the following key segments/functions: Finance & Accounts Operations Internal / External Audits Risk Management Taxation Corporate Affairs He has been part of the founding team of Khushhali Microfinance Bank Limited (KMBL) and played a vital role in establishing the Compliance Department of KMBL as per the best industry practices. He is an individual who brings significant value by ensuring to operate within the regulatory boundaries and enable organization to continually grow and develop at a fast pace. He holds a degree of Master of Business Administration.

Aameer Karachiwalla

Director/Chairman from 27.02.15 – 8.12.22

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.​

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.

Muhammad Aftab Alam

Head of Distribution & Retail

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 & retail 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 development and execution of bank's sales, distribution & retail 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. 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).