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 AMB 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.
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 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 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.
Muhammad Rizwan Ikram
Chief Risk Officer
Mr. Ikram has more than 18 years of experience in Commercial as well as in Microfinance Banking. He has worked in the field of Risk Management, Credit Underwriting, Banking Operations, Finance, Compliance and Training with the likes of MCB Bank Ltd, Khushhali Microfinance Bank Ltd and Mobilink Microfinance bank Ltd and has served at senior positions. He has been a member of the core team responsible for launching Mobilink Bank as well as U Microfinance Banks. Mr. Ikram is CFA & ACCA qualified and holds DAIPB from Institute of Bankers, Pakistan.
Muhammad Tayyab Khan
Chief Operations & Technology Officer
Mr. Tayyab Khan has more than 24 years of work experience under his belt and has been associated with the Banking sector since last 10 years. In his association with banking, his core area of expertise is development of operational infrastructure and financial solutions related to Alternative Delivery Channel (ADC) and Branchless Banking. Previously Mr. Khan has been associated with the field of Life Insurance in its sales operations and technology functions. His 20 years of career took him to the likes of AIG insurance and Tameer Microfinance Bank where he has been instrumental in building these institutions. Mr. Khan holds a Master’s degree in Banking and Finance.
Chief HR Officer
Ms. Azhar has 12 years of work experience to her credit. She has worked for organizations like Alandick Pakistan, Alandick Bangladesh, Pearl Continental Hotels and Zong – China Mobile Pakistan and brings a diverse experience to U Bank. Ms. Azhar holds a master’s MBA degree in HR from COMSATS Institute of Information Technology and is also a Certified Trainer and a coach. She has worked extensively in the areas of Talent Management, Organization Development, Culture & Change Management and Strategic HR Management.
Syed Umar Viqar
President & CEO
Mr. Viqar has nearly 22 years of banking experience in Pakistan and UAE. He has served with the likes of ANZ Grindlays, Standard Chartered Bank, Dubai Islamic Bank, Waseela Bank and Summit Bank at various positions. His forte has been Branch and Branchless Banking Sales & Operations where he has served at senior positions.
Mr. Viqar has been instrumental in setting up of U Microfinance Bank and has been associated with the bank since its inception.