Chief Innovation & Financial Inclusion Officer
Ms. Malik is a graduate of London School of Economics and Political Science and holds degrees in Business, Development and Urban policy. She has nearly 15 years of work experience spanning Pakistan, UK and The Philippines. She has worked in Retail and Priority banking and Trade Finance with ABN AMRO Pakistan, Dubai Islamic Bank Pakistan and HBL, UK respectively. Ms. Malik brings an incredibly diverse experience to U Microfinance Bank. A shift in career took her to the likes of Habitat for Humanity International, The Asia Foundation and Senate of Philippines. She has also taught at National University of Science & Technology – Islamabad.
Muhammad Adnan Siddiqui
Chief Information Officer, IT
Mr. Muhammad Adnan Siddiqui brings over 20 years of experience in the field of Information Technology. In his last role for a commercial bank, he was part of the strategic team for the development and deployment of key technological projects relating to Core Banking Upgrade & ADC products. Prior to Banking, he has served in UNDP, System 77 (Melbourne) and NADRA with diversified roles in Development, System Design, Account Management & Project Management. Mr. Adnan holds a Graduate Diploma in Information Technology & Bachelor of Computer Science from RMIT, Australia.
Chief Financial Officer
Mr. Qadir brings 24 years of work experience to the table. He is a Chartered Accountant by training. Qadir has 16 years of banking experience of working in Pakistan and Canada. He has served with Tangerine Bank in Canada which is a pioneer in Branchless Banking in North America. He has served at Bank Alfalah Limited Pakistan in various capacities for nearly 11 years and has also worked with Deloitte Pakistan.
Chief Credit Officer
Mr. Haidar Ali is an experienced banker with more than 10 years of Banking experience prior to joining U Bank. He started his career as Management Trainee with Bank Alfalah and served at various key positions across different areas of banking spanning over Branch Banking, Credits, Compliance and Risk Management both in Pakistan and overseas. His last assignment was “Head Risk Management” FINCA Microfinance Bank Limited where he played a vital role establishment of Risk Management function of the bank.
Mr. Haidar Ali has done his Masters in Business Administration from the University of Peshawar.
Chief Operating Officer
Mr. Kabeer Naqvi represents a small percentage of professionals who has risen to the very top of Microfinance Banking industry in Pakistan at a remarkable pace. He has nearly 15 years of work experience to his name. Mr. Naqvi has extensive work experience in External Audit, Corporate Finance, Internal Audit and Taxation and has served at Ernst & Young Saudi Arabia, TPL Pakistan, House of Habib and Tameer Microfinance Bank. He served as the Chief of Staff & Chief Financial Officer at Tameer Microfinance Bank where his glorious career spanned over 9 years. Mr. Naqvi is a trained accountant and a distinguished member of ACCA – the Association of Chartered Certified Accountants.
Head of Liabilities
Mariam brings with her 13 years of experience in corporate and commercial banking. She has an MBA degree from Bahria University Islamabad along with JAIBP. Her expertise include corporate finance, liability management, product design, cash management and transaction banking. She has previously worked with MCB Bank where her last held position was Head of Transaction Banking North and has extensive experience in establishing relationship and working with clients of the likes of WHO, NADRA, PTC, PMCL and a number of other large institutions in diverse sectors. She has to her credit, starting from scratch the transaction banking business in North in her previous organization and then single-handedly amassing industry-wide highly competitive volumes, turning the segment into a significant income stream for the Bank.
Head of Internal Audit
Mr. Shahani is a Chartered Accountant by profession and an associate member of the Institute of Chartered Accountants of Pakistan. He has around 12 years of work experience in external as well as internal audit. Prior to joining U Microfinance Bank, he had worked with Tameer Microfinance Bank where he was actively involved in development of Internal Audit function and successfully designed and implemented risk based audit methodology for the Bank’s branchless banking business (easypaisa). He had also worked with KPMG Pakistan and KPMG Lower Gulf Limited and was involved in audit of clients in financial services, manufacturing and service industry.
Chief Compliance Officer
Mr. Javed brings nearly 18 years of diversified experience to the table with more than 13 years with microfinance banks in Pakistan. He has served in various capacities in the areas of internal control, compliance risk management and fraud risk management and currently serves as the Head of Compliance at U Microfinance Bank. Mr. Javed has been part of the founding team of U Microfinance bank and has played a critical in setting up U Microfinance Bank in 2012. Mr. Javed has worked for the likes of Khushaali Bank, Waseela Bank and Sapphire Fibers. He holds a post grad certification in management accounting as well as a Master in Business Administration.