President & CEO
Mr. Naqvi has more than 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 Business Officer & Chief Digital 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 more than 16 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 17 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 Commercial Officer & Chief of Staff
Ms. Mariam brings with her 16 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 Internal Auditor
Mr. Shahani is a Chartered Accountant by profession and a fellow member of Institute of Chartered Accountants of Pakistan. He has over 15 years of work experience and core areas of expertise include control design and risk assessment, quality assessment and development and implementation of risk based audit methodology for conventional and digital banking processes.
Prior to joining U Microfinance Bank, he had worked with Telenor Microfinance Bank where he played an active role in development of Internal Audit function in line with the international standards and played the leading role in development and implementation of risk based audit methodology for mobile financial services (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 18 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.
Muhammad Majid Khan
Chief Financial Officer
Mr. Majid is a seasoned finance executive with 20 years of experience in banking and financial services in Pakistan and the Middle East.
Before joining U Microfinance Bank, he has worked with Bank Al Jazira, Abu Dhabi Islamic Bank, MCB Bank and ORIX Leasing Pakistan Limited. Prior to that, he also worked with PricewaterhouseCoopers (PWC) in assurance, advisory and tax services. His area of expertise includes Financial Reporting, MIS, Business Planning, and Strategy.
Mr. Majid is a Fellow Member of the Institute of Chartered Accountants of Pakistan and an Associate Member of the Institute of Chartered Accountants England and Wales.
Chief Legal Officer & Company Secretary
Ms. Palwasha Qazi has over 13 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 19 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 Human Resource Officer
Ms. Saadia is an HR professional with over 15 years of experience. She has worked for the NHS (UK), Mobilink (JAZZ), The Hub power company, PTCL and Askari Bank Limited. Having worked in different HR roles across various industries she has extensive experience in Strategy Development and Implementation, Business Partnerships, Core HR Operations, ER, Talent Management as well as Process Optimization and Digitalization.
Ms. Saadia holds a Master’s degree in English Literature, Post Graduate Diplomas in HRM from the University of London and The University of Westminster as well as GPHR certification from HRCI, California, USA. She is a certified Six Sigma Green Belt.
Chief Customer Operations Officer
Ms. Niaz brings more than 21 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 services in Pakistan and Philippines.
Ms. Niaz holds an MBA degree and is a trained Six Sigma Green Belt and ISO Internal Audit professional.
Chief Technology Officer
Mr. Mashhood has a diverse experience of more than 26 years within the technology sphere with 20 years in the banking industry. Prior to joining U Bank, he was heading the technology function at Dubai Islamic Bank Pakistan. Gradually progressing towards management positions, he has held various key positions across different organizations across various functions within the technology domain including Governance, Operations Management, Infrastructure Designing and Deployment, Policy Frameworks, Risk and Security Assessments and Support Management. Mr. Mashhood has a Master’s in space and astronomical physics, besides earning various coveted industry certifications like CISA, Cobit and CBCI.
Chief of Operations
Mr. Muhammad has 16 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.