Khawaja Shoaib Hassan

Chief SAM

Mr. Shoaib brings over two decades of experience in the banking industry, with strong expertise in debt collections, recoveries and litigation management. His career includes key leadership roles at leading financial institutions such as United Bank Ltd., MCB Bank Ltd. and Standard Chartered Bank. For the past three years (September 2022–2025), Mr. Shoaib has been associated with KMBL on secondment, during which he played a pivotal role in establishing the Collection & Recovery Department, now evolved into the Special Asset Management (SAM) function. His deep insight into collections, recoveries and litigation significantly strengthened the Bank’s recovery framework and contributed to several strategic portfolio-management initiatives.  

Tahir Waqar Ali

Chief Information Officer

With over 25 years of experience in leading technology strategy and innovation for major financial institutions, Mr. Tahir brings a wealth of expertise in driving large-scale digital banking initiatives, enterprise architecture, IT governance, and Agile project management. Having worked in senior positions at esteemed banks such as HBL, ABN AMRO Bank, Royal Bank of Scotland and Mobilink Microfinance Bank. He has a proven track record of driving operational excellence, achieving significant cost savings, and leveraging technology for business growth and innovation.

Farhad Zulfiqar Ali

Chief Human Resources Officer

With over 25 years of banking experience spanning Pakistan, the Middle East, Lebanon, and Syria, Mr. Farhad has successfully led business, digital, HR, Risk, and governance transformations, earning international recognition along the way. Most recently, he served as CEO of The First Microfinance Bank, Syria (part of The Aga Khan Development Network), where he drove impactful organizational change in a highly complex environment. Mr. Farhad is an MBA from IBA Karachi and has completed the Strategic Leadership in Financial Inclusion program at Harvard Business School, USA.  

Aqeel Ahmed

Chief Compliance Officer

Aqeel Ahmed has a diversified progressive experience of over 27+ years in different institutions, multiple departments and in various Leadership roles. His experience covers the key segments/functions like Finance & Accounts, Operations, Internal / External Audits, Risk Management, Taxation and Corporate Affairs. He has been part of the founding team of Khushhali Microfinance Bank Limited (KMBL) and played a pivotal role in establishing the Compliance function of KMBL. Before joining KMBL, he completed his Chartered Accountants (CA) Articleship under the byelaws of The Institute of Chartered Accountants of Pakistan with “Tariq Ayub Anwar & Co. CAs Islamabad)”. He holds a Master’s degree in Business Administration - Finance.   

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.

Muhammad Aftab Alam

Chief Business Officer

Mr. Aftab is a retail banking professional. He has over 20 years of progressive experience with Pakistan’s leading microfinance bank and non-bank MF institutions. He possesses extensive hands-on experience in different management positions. In these positions, he has demonstrated his expertise to lead and manage Microfinance, MSME lending, Housing Finance, Consumer Lending and 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 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 executing the bank’s sales & distribution strategy. He has to develop, drive & achieve bank’s Financial and Nonfinancial business targets for profitable growth.  Mr. Alam serves as an active member of a number of SBP sub-committees & special groups on financial inclusion, microfinance, SME, Agriculture and Housing. He has attended the Boulder Microfinance program (Turin, Italy) and the Frankfurt School of Business and Finance (Frankfurt, Germany). Mr. Aftab has a Master’s degree in Business Administration – Finance.