President & CEO
Mr. Naqvi has 20 years of work experience to his name and has been with U Microfinance Bank since Sep 2015.
He 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 career spanned over 9 years. Mr. Naqvi is a trained accountant and a distinguished member of ACCA – the Association of Chartered Certified Accountants. He is a part of the board of directors at Pakistan Microfinance Network and also chairs its audit committee.
Chief of Retail Sales and Digitization
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 20 years of work experience spanning Pakistan, UK and The Philippines. She has worked in Retail, Priority banking and Trade Finance with ABN AMRO Pakistan, Dubai Islamic Bank Pakistan and HBL, UK respectively. She has been with U Microfinance Bank since Oct, 2015.
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 Credit Officer
Mr. Haidar Ali is an experienced banker with more than 16 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, Credit/Compliance and Risk Management both in Pakistan and overseas. His last assignment as Head Risk Management at FINCA Microfinance Bank Limited where he played a vital role in establishing the Risk Management function of the bank.
Mr. Haidar Ali has done his Masters in Business Administration from the University of Peshawar.
Chief of Corporate Banking
Ms. Mariam brings with her 15 years of experience in corporate and commercial banking. She has an MBA degree from Bahria University Islamabad. 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 relationships with very diverse clientele.
Chief 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 15 years of work experience in external as well as internal audit.
Prior to joining U Microfinance Bank, he had worked with Telenor 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 21 years of diversified experience to the table with more than 17 years with microfinance banks in Pakistan. He has served in various capacities in the areas of Finance, Compliance, Internal controls, Risk management and fraud Investigations. 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 Khushhali Microfinance Bank, Mobilink Microfinance and Sapphire Fibers Ltd.
Mr. Javed holds a post grad certification in management accounting as well as a Master in Business Administration.
Company Secretary & Head of Corporate Affairs
Ms. Palwasha Qazi has over 12 years of experience in Corporate Affairs, Corporate and Strategic Communication, Regulatory Affairs, Governance, Policies and Procedures, Public Relation and Outreach.
Prior to joining U Microfinance bank Limited, she served at various organizations including Universal Service Fund – USF (Ministry of Information Technology and Telecom), Midas Communication , Online International News Network ( Magnates Communication).
Ms. Qazi is a Law Graduate and holds a Masters in International relations from Quaid-e-Azam University, Islamabad.
Chief Risk Officer
Mr. Sarmad Pretu carries a experience in banking and finance spanning over 18 years. He started his career with Askari Bank Limited in 2002 and worked with the likes of ABN AMRO Bank Pakistan Limited, Faysal Bank Limited and The Bank of Punjab. He also worked at various levels at Pakistan Credit Rating Agency (PACRA) and JCR VIS Credit Rating Company Limited. He has worked on infrastructure project financing, corporate finance, commercial credits, investment banking, trade finance, risk management etc. He has also led various trainings at Institute of Bankers Pakistan Limited.
Mr. Sarmad Pretu holds a MBA from Bahria University and a Master of Applied Finance from University of Western Sydney – Australia.
Chief Business Support Officer
Ms. Niaz brings more than 20 years of diverse work experience in running global support operations for Multinationals. In her last role, Ms. Niaz worked as Director International Operations with 360training.com – a US based firm. Her areas of expertise include Operational Excellence in Support functions and has successfully managed Business Process Outsourcing in Pakistan and Philippines. She has also managed 24/7 International Call Centre.
Ms. Niaz holds an MBA degree and is a trained Six Sigma Green Belt and ISO Internal Audit professional.
Chief of Operations
Mr. Muhammad is a seasoned professional with 15 years of experience within the banking sector. He has worked for banking institutions such Bank Al Habib Ltd. and Mobilink Microfinance Bank Ltd. He has been part of the core teams responsible for establishing bank operations at both Mobilink Microfinance Bank Ltd and U Microfinance Bank. He brings with him a strong skill-set in branch, branchless and digital banking as well as of operational risk, regulatory compliance and policy.
Sultan has a MBA with a postgraduate degree in Economics. He also holds a JAIBP qualification from the Institute of Bankers of Pakistan.