FINCA Microfinance Bank Ltd. serves clients with responsible and affordable financial services.
FINCA Microfinance Bank’s Board of Directors
Our Board of Directors brings a breadth of expertise and dedication to providing access to responsible financial services.
Mr. Atif Riaz Bokhari
INDEPENDENT DIRECTOR & CHAIRMAN
Mr. Atif Riaz Bokhari
Mr. Atif Riaz Bokhari is a seasoned banker with 40 years of experience in domestic and international banking. He started his banking career with the Bank of America and handled diverse assignments for over 15 years. Following the Bank of America, he joined Habib Bank Limited as Head of Corporate and Investment Banking. Mr. Bokhari took charge of UBL as President/CEO and leaded UBL for a decade. During this ten-year period UBL ventured into new diversified business and revenue streams namely Consumer Financing, E-Commerce, Branchless Banking, Asset Management and General Insurance. He also served as the Chairman of UBL Tanzania, UBL AG Zurich and a Director of UBL UK. Bokhari had a two-year stint ending in 2017 as a CEO/ President of NIB Bank (wholly owned subsidiary of Fullerton Financial Holdings – Temasek. Singapore) with a specific assignment to divest FFH’S holding in Pakistan. Recently, Mr. Bokhari along with two large business groups in Pakistan has formed the first Private Sector Housing Finance Company. He is also the founding director of a private equity company which successfully acquired Linde Pakistan (subsidiary of Linde AG).
In March 2020, Mr. Bokhari was appointed as a Minister of State & Chairman Board of Investment (BOI), Prime Minister’s Office, Pakistan and served until 2021. Thereafter, he took over as a CEO/President of Askari Bank Limited and served until May 2024. During his tenure, major restructuring was affected and 2X profitability was achieved within 24 months.
Mr. Bokhari has been actively involved with private sector programs for health and development of education in Pakistan. He was founding Director of the Karachi School of Business and Leadership (KSBL). He also serves/served on the Board of Governors of Kidney Center Karachi, Patients Aid Foundation, Shaukat Khanum Memorial Hospital and Indus Valley school of Arts and Architecture. Mr. Bokhari was also a Director of State Bank of Pakistan Board and a Member of the Monetary Policy Committee. He has also been a Director of numerous Boards with diversified sectors like Consumer Products, Oil Marketing, Chemicals, Banking and Engineering.
Mr. Omair Muzzaffar Ansari
DIRECTOR
Mr. Omair Muzzaffar Ansari
Mr. Omair Muzzaffar Ansari stands at the foreground of the financial technology revolution as the CEO and Co-founder of ABHI, an innovative embedded finance platform rapidly expanding its influence in the MENAP region. Before foundation of Abhi, Ansari worked in the Frontier & Emerging Equity/Derivatives market space for more than a decade. Ansari’s rich tapestry of roles across Arqaam Capital, Renaissance Capital, and Religare Capital Markets in consultancy, directorial, and vice-presidential capacities, respectively, speaks volumes of his versatile leadership and deep market insight. Ansari is educationally grounded with a double major in finance and political science from McMaster University, Ontario, Canada and his experience of living in over 9 countries has shaped his global outlook. This extensive exposure not only stoked up his passion for emerging economies but also established his stature as a visionary financial strategist.
Ali Muhammad Raza
DIRECTOR
Ali Muhammad Raza
Mr. Ali Muhammad Raza is a seasoned entrepreneur and fintech expert, recognized as a pioneer in Pakistan’s fintech industry. Raza is a co-founder of Abhi Private Limited, a Pakistani fintech company which provides technical and financial solutions to the companies. Before inception of Abhi, Raza gained extensive experience in the financial and technology sector and worked with renowned organizations and startups. His expertise spans financial services, product development, and strategic planning. Under Raza’s leadership, Abhi has achieved significant milestones, including successful fundraising rounds, launch of innovative financial products, partnerships with major financial institutions and expansion of financial services to companies. Raza holds a degree in Computer Science from Cardiff University Wales and his work has been featured in prominent publications highlighting his contributions to financial inclusion and innovation.
Muhammad Aminuddin
DIRECTOR
Muhammad Aminuddin
Muhammad Aminuddin is the Executive Director & CEO of TPL Insurance, a pioneering force in Pakistan’s InsurTech sector and a leader in non-life insurance. Under his strategic leadership, TPL Insurance has not only established itself as the country’s largest retail insurer but also as the second-largest provider of Shariah-compliant Takaful insurance, setting new benchmarks for innovation, customer-centricity, and technological advancement in the industry.
With over 25 years of extensive experience in global financial services, Mr. Aminuddin has built a distinguished career spanning banking, insurance, fintech, energy, commodities, and oil & gas. He began his career with American Express Bank and ABN AMRO (1996-2010) before moving on to senior leadership roles at Barclays and IGI Life Insurance, where he served as Deputy Chief Executive. Prior to leading TPL Insurance, he was the CEO of United Bank UK, a joint venture between two of Pakistan’s largest banks, United Bank Limited and National Bank of Pakistan, where he successfully led the organization to new heights.
Mr. Aminuddin’s career is marked by a strong track record of driving growth, operational excellence, and innovation across diverse markets in Europe, Asia, and Africa. His deep expertise in financial strategy and digital transformation has enabled him to steer TPL Insurance through a period of extraordinary growth, reinforcing its position as an industry leader while introducing groundbreaking solutions in insurance technology.
A visionary leader with a forward-thinking approach, Mr. Aminuddin is committed to transforming the insurance landscape in Pakistan and beyond. He holds an MBA from the Institute of Business Administration (IBA), Karachi, and is a Chartered Director & Fellow of the Institute of Directors (IoD), UK, exemplifying his commitment to excellence in corporate governance and leadership.
Mr. Jehangir Shah
DIRECTOR
Mr. Jehangir Shah
Mr. Jehangir Shah has had over forty years’ experience in commercial banking, private & personal banking and leasing, including overseas work experience in the U.A.E., Egypt and Brazil. Mr. Shah was last associated with Pak Oman Investment Company Limited from July 2008 up to retirement in November 2023 as Deputy Managing Director. Previously he served as Country Manager-Pakistan of Oman International Bank SAOG (2006-2008), and as Managing Director / CEO of Capital Assets Leasing Corporation Limited. His former employments include Bank of Credit and Commerce International.
Mr. Shah was a Sponsor and founding Director of Pak Gulf Leasing Company Limited, listed on the Pakistan Stock Exchange in 1996. From 2021 to September 2024 was an Independent Director of Fauji Fertilizer Company Limited. Mr. Shah is currently on the Board of Directors of the following Companies:
I. FINCA Microfinance Bank Limited: Nominee Director of Abhi (Private) Limited January 2025 – to date
II. Abhi (Private) Limited: Independent Director / Chairman of the Board April 2024 – to date
III. International Industries Limited (IIL): Independent Director and Chairman, Board Audit Committee 2015 – to date
IV. Pak Oman Asset Management Company: Nominee Director of Pak Oman Investment Company Limited and Member, Board Audit and Investment Committees 2016 – to date
V. Shaheen Insurance Company Limited (a venture of Shaheen Foundation / PAF): Independent Director July 2022 – to date
VI. NBP Exchange Company Limited (a wholly owned subsidiary of National Bank of Pakistan): Independent Director January 2025 – to date
Ms. Ammara Masood
INDEPENDENT DIRECTOR
Ms. Ammara Masood
Ms. Ammara Masood is the Global Industries GM, Banking and Financial Services at Systems Limited and CEO of Ndc Tech (a wholly owned subsidiary of Systems) which is one of the leading technology firms providing solutions and services internationally in Banking. In July 2022 her company NdcTech was acquired fully by Systems Limited (SYS) the largest exporter of software services. She has a vast experience of working and founding various IT companies in global markets including United States, Asia Pacific, Middle East and Africa. She has led some of the industry’s largest transformation initiatives in Banking, Telecom and High-Tech Sectors. While working in top leadership positions, Ms. Masood has opened new markets, bought institutional reforms, governance and turned around companies in all aspects. She also won a prestigious award by FinTech Futures in the leadership category at the 2021 and 2022 Global Banking Tech awards in London.
Ms. Masood has pursued a versatile career path traversing Information Technology; Consulting and Entrepreneurship across 3 continents. She is a Senior Executive Leader with 29+ years of experience in Information Technology and Governance. Her primary expertise is in IT Strategy, Consulting and Digital Transformations for global clients in Banking & Finance; Telecom and High Tech Sectors. She is also on the Policy Board for SECP, Pakistan Single Window and National Export Development as well as a board member with Central Depository Company. Previously she was on the Board for Pakistan Software Houses Association, Industry Advisory Board for Habib University and Board Member DataCheck.
Ms. Masood did Bachelors from Kinnaird College, Lahore and MBA from Quaid-e-Azam University Islamabad. She is also a Master’s in Business Administration (Information Sciences) from California State University, San Bernardino and got an Executive Diploma in Strategic Uses of Information Sciences from Stanford University Graduate School of Business.
FINCA Microfinance Bank’s Management Team
Our management team brings vast experience, professional skills and expertise from various industry backgrounds.

Muhammad Shahzad Sadiq
ACTING CEO/CHIEF RISK OFFICER
Muhammad Shahzad Sadiq
- Risk Management
- Credit and Marketing
- Legal and Corporate Affairs
- Finance and Budgeting
- Project and Corporate Finance Management
- Planning and Audits
Muhammad Shahzad is a diverse and experienced professional and prior to joining the FINCA Family, he has held a number of positions including Chief Financial Officer, Chief Compliance Officer and Chief Internal Auditor to mention a few. He has worked with some of the leading commercial banks in the country and his last assignment was with Allied Bank.
Mariam Pervaiz
CHIEF COMMERCIAL OFFICER
Mariam Pervaiz
Mariam Pervaiz is a distinguished banking executive with nearly 20 years of leadership and innovation in Pakistan’s financial sector. She has a proven track record of driving growth and operational efficiency, making her an exceptional candidate to lead a financial institution in a complex landscape.
She played a pivotal role in spearheading TPL and Abhi’s strategic acquisition of the bank, overseeing critical negotiations and aligning stakeholder interests to facilitate a smooth transition.
She navigated complex regulatory and financial landscapes, ensuring compliance while optimizing value for both acquirers and the bank. Her leadership was instrumental in structuring the deal, mitigating risks, and fostering collaboration between involved parties, ultimately setting the foundation for a successful integration.
At U-Microfinance Bank, Mariam played a key role in establishing it as Pakistan’s fastest-growing microfinance institution. As a founding team member and Chief Commercial Officer, she directed strategic initiatives and led core areas like Islamic Banking and Urban Retail. She improved the bank’s commercialization and addressed liquidity by boosting urban and rural deposits and exploring borrowing options. The Board of Directors selected Mariam as the CEO successor, a choice reinforced by a rigorous validation process from Korn Ferry, highlighting her strategic and operational expertise. Her roles as Acting President & CEO provided her with vital experience in executive decision-making, governance, and effective engagement with regulators.
Mariam’s advocacy in the financial sector focuses on promoting financial and social inclusion for women. As a notable public speaker at events like the Pakistan Microfinance Network’s Annual Conference, she collaborates with industry leaders and policymakers to foster knowledge-sharing. In 2022, she represented Pakistan at the World Economic Forum in Davos, highlighting the nation’s investment potential.
Mariam served as Acting CFO at U Microfinance Bank, overseeing financial strategy and growth programs. Previously, she spent over a decade at MCB Bank Limited in senior roles across corporate and transactional banking, gaining a comprehensive understanding of the sector.
She is certified as a Director by Lahore University of Management Sciences (LUMS) and holds an MBA and BBA (Honors) in Finance from Bahria University, Islamabad. Her commitment to financial inclusion and sustainable growth reflects the core leadership qualities essential for the evolving financial sector in Pakistan.

Manzoor Ahmed Janjua
CHIEF LEGAL & CORPORATE OFFICER/COMPANY SECRETARY
Manzoor Ahmed Janjua
Muhammad Farooq Kamran
CHIEF FINANCIAL OFFICER
Muhammad Farooq Kamran
A result driven and highly skilled Finance Professional with over 19 years of wide-ranging experience, which include business development, strategy formulation, optimizing treasury function, ALM management and structured debt raising along with corporate liability generation. Demonstrates expertise in banking governance as a company secretary, overseeing finance functions together with dealing regulatory and external audits. Proven track record in optimizing business operations, driving growth, improving efficiency, and enhancing profitability.
A skilled motivator, adept at prioritizing tasks, multitasking, and leading teams to success. Commercially astute, adaptable, and a strong communicator, consistently delivering outstanding results with a positive work ethic, energy, and a commitment to long-term success.
Holds a BSc (Hons) in Applied Accounting from Oxford Brookes University and is an Associate Member of ICAEW (ACA) and Fellow Member of ACCA (FCCA).
Sardar Hasan Raza
CHIEF PEOPLE & CULTURE OFFICER
Sardar Hasan Raza
Sardar Hasan Raza is a seasoned human capital professional with a career spanning over 20 years, encompassing diverse industry sectors such as Banking, FMCG, Telecommunication, and Aviation. He has held pivotal roles in renowned organizations like MCB Bank, Jazz, Engro, and Gerry’s dnata, serving as Head of HR, Head of Talent Acquisition & Employer Branding, and Head of Transformation and Culture. His extensive experience also includes international assignments with multinational corporations prior to his tenure at FINCA.
Throughout his career, Hasan has played a pivotal role in shaping the strategic direction of companies after new business acquisitions. He excels in developing efficient management structures for emerging business lines, streamlining performance management processes, implementing cutting-edge learning solutions, enhancing operational and process excellence, and fostering strong industrial relations. These accomplishments have contributed significantly to the agility and rapid growth of the organizations he has been a part of.
Hasan’s educational background includes a master’s degree in Human Resource Management from the University of Surrey in Guildford, UK. His academic foundation, combined with his extensive professional experience, makes him a truly exceptional human capital expert.
Naseer Khan
CHIEF INTERNAL AUDITOR
Naseer Khan
With over 30 years of experience across diverse financial institutions, Mr. Naseer Khan is a seasoned banking professional with deep insights into financial governance and business transformation. As a Board Member, he has played a strategic role in driving organizational growth through strategic planning, financial advisory, governance, restructuring, and operational excellence.
His extensive experience in executive leadership has equipped him with a strong ability to align business objectives with financial sustainability and regulatory compliance. He has completed a BSc (Hons) in Industrial and Business Economics from the London School of Economics and Political Science (LSE) and has qualified as a Chartered Accountant from the Institute of Chartered Accountants in England and Wales (ICAEW).
Aleem Masood
HEAD OF INFORMATION TECHNOLOGY
Aleem Masood
FINCA Impact Finance’s Global Management
The FIF leadership team manages a global organization of more than 12,000 employees.