Mr. Florin Lila joined as Non-executive director to Board of Directors of the Bank. He holds a Master’s degree in Economics for Business Analysis from Staffordshire University, United Kingdom. He brings a wealth of banking/microfinance experience and a distinguished academic background. He has over 20 years of experience in the banking and microfinance sector including multiple roles at the Executive Management and Board of Directors level in Europe, Africa and Asia. He joined FINCA Impact Finance (FIF) in 2012 where he successfully spearheaded financial turnarounds at FIF subsidiaries in Kosovo and Tajikistan. He has also overseen the implementation of a number of innovative digital financial solutions to increase efficiency and better serve clients. As Division Director he is also spearheading the Showcase Subsidiaries project, overseeing operations in DRC, Kyrgyzstan and Pakistan – FIF’s three largest subsidiaries.
Jeffrey Peter Smith
VICE PRESIDENT AND CHIEF ADMINISTRATIVE OFFICER, FINCA IMPACT FINANCE
Jeffrey Smith has nearly 40 years of experience in auditing, finance, accounting, risk management, internal control and regulatory compliance. He has led many restructuring efforts of global audit, risk management and compliance departments, as well as, many global efforts implementing effective risk controls and compliance monitoring systems.
Mr. Smith is a Certified Risk Professional and earned a Master of Business Administration from Wayne State University (Detroit, Michigan, USA). He also holds a Bachelor of Business Administration from Eastern Michigan University (Ypsilanti, Michigan, USA).
VICE PRESIDENT & DIVISION DIRECTOR FOR DEVELOPER EAST DIVISION
Zar Wardak is a proven and respected leader in global finance. With over 10 years experience in executive financial management, she is currently the Vice President & Division Director of FINCA International (Developer East Division), one of the leading microfinance organizations in the world. She is also the Chairperson for the Afghanistan Microfinance Association and Chairperson of Board for the MESA subsidiaries.
She is the former CEO of FINCA Afghanistan, where she transformed the subsidiary to sustainability within three years. Prior to joining FINCA, Zar was a financial services industry consultant in Afghanistan, and before that, Vice President with Citibank North America.
Ms Wardak completed a Bachelor of Arts in International Business at Southwestern College in Kansas, and a Master of Science in Peace Operations at George Mason University in Fairfax, Virginia.
Being fluent in English, Dari, Pashtu and Urdu, and having a unique cultural understanding and perspective, allows Afghan-American Zar to achieve exceptional outcomes for the organizations she works for. She is a sought-after speaker, and has shared the stage with Nobel Peace Prize winner Dr. Muhammad Yunus on the topic of Microfinance as it relates to peace and prosperity.
Despite working in extremely complex and challenging environments, Zar Wardak has an impressive track record of transforming financial organizations into well-governed, high-performing and sustainable entities.
Volker Renner has over 15 years of senior management experience in the microfinance industry. Prior to his current position, he served as Chief Operating Officer for FINCA’s global operations, and Regional Director for FINCA’s Eurasia Region. Before joining FINCA in 2004, Mr. Renner held positions as CEO of ProCredit Bank (Ukraine), Team Leader of EBRD/KfW’s joint Ukraine Microlending Program, and Bank Advisor to banks in Russia’s Siberia region. Throughout his career, Mr. Renner has served as board chairman, board member and audit committee member for numerous microfinance institutions and banks. He holds an M.B.A. with a focus on banking from the Mannheim Professional Academy.
Ms. Roshaneh Zafar is the Founder and Managing Director of Kashf Foundation – the first specialized microfinance organization in Pakistan established in 1996. Kashf Foundation was awarded the Microfinance Excellence Award by the Grameen Foundation-USA for its groundbreaking innovations in the field of microfinance in Pakistan, while in 2005 it won the AGFUND International Prize for Microcredit 2005 out of 98 countries
Prior to establishing Kashf Foundation, Ms. Zafar worked with the World Bank in Islamabad in the Water and Sanitation department for several years. Ms. Zafar was one of the first Ashoka Fellows in Pakistan and has been a Schwab Foundation Social Entrepreneur since 2004. Ms Zafar has also been awarded the Tamgha-e-Imtiaz, one of Pakistan’s highest civilian awards, by the President of Pakistan for her work in the field of development and women’s empowerment and was also awarded the Skoll Award for Social Entrepreneurship in 2007. Ms Zafar is a graduate of the Wharton Business School, University of Pennsylvania, USA and also holds a Master’s degree in Development Economics from Yale University, USA.
Makhmud joined FINCA in December 2006 as COO for FINCA Kyrgyzstan. After successful implementation of all strategic goals assigned to this role, in 2009 he has been appointed as CEO of FINCA Azerbaijan, and later in 2010 as the CEO of FINCA Kyrgyzstan. He held the position of CEO of FINCA Kyrgyzstan till February of 2015, and later he was assigned as an advisor to the management team of FINCA Bank Kyrgyzstan.
Prior to FINCA, Makhmud worked for over 4 years for “LFS Financial systems GmbH”, a German consulting and management company specialized in banking and SME finance projects in developing and transition countries. As a banking advisor, he managed projects in Uzbekistan and Tajikistan focused on establishment of micro and SME lending operations at various commercial banks. In 2003, Makhmud was working in Azerbaijan to develop micro and SME lending practices at Access Bank Azerbaijan. Makhmud commenced his professional banking career in 1998, at the National Bank of Uzbekistan, where he worked for three years as a Senior Investment Officer.
Makhmud holds a diploma in economics from the National University of Uzbekistan and Master’s degree in Economic and Social Studies from the University of Manchester, UK. He also holds a professional certification of Stonier Graduate School of Banking administered by the American Bankers Association at the University of Pennsylvania, Philadelphia, USA.
Mr. Shabbir H. Hashmi is serving as an independent director on the boards of Dawood Lawrencepur Limited, Engro Powergen Qadirpur Limited, Dawood Hercules Corporation, OJ Engineering and HBL Asset Management Ltd. He is also on the board of governors of The Help Care Society which is operating K-12 schools in Lahore for underprivileged children. He has more than 35 years of project finance and private equity experience. In his previous experience in corporate governance, Shabbir Hashmi has held more than 24 board directorships as a nominee of CDC/Actis and 12 directorships as an independent.
In executive roles, Shabbir Hashmi has led the Pakistan operations at Actis Capital, one of the largest private equity investors in the emerging markets. Prior to Actis, he was responsible for a large regional portfolio of CDC Group Plc. for Pakistan and Bangladesh. He had a long stint with USAID and later briefly with the World Bank in Pakistan, specializing in planning and development of the energy sector.
He is an engineer from Dawood College of Engineering & Technology, Pakistan and holds an MBA degree from J.F. Kennedy University, USA. He joined the Board of FINCA Pakistan in August, 2020 and is also the Chairman of it’s Audit Committee.
Ms. Tazeen Adnan holds a master’s degree in Business Administration (MBA) from Hamdard Institute of Management Sciences (HIMS). She has over 19 years of experience in Human Resources with multiple companies at senior positions. With excellent exposure to Organizational Development and Change Management, she has to her credit major organizational transformations and acquisitions. She joins as an Independent Director on the Board of Directors of the Bank and serves as GM Global HR & Admin at Shan Foods (Pvt) limited.
Mr. Gigi Matiashvili has more than two decades of experience in banking operations and information technology. He began his career in one of Georgia’s leading commercial banks after earning a degree in economics from Tbilisi State University. He joined FINCA in 1998, first helping to build up banking services in Georgia and later moving over to FINCA’s Global Information Technology unit. Currently as Global Chief Technology Officer at FINCA Impact Finance (FIF), he is responsible for driving the company’s technological vision, implementing technology strategies, and overseeing the function and efficiency of technology services across the FIF network.
He brings a wealth of expertise combining financial services and information technology, buttressed by extensive program and project management experience. Throughout his career at FINCA, he led and supported numerous business and technology initiatives including banking transformations, implementation of enterprise-level banking, enterprise resource planning, and risk management solutions, establishment of data warehouse and reporting platforms, and organization and delivery of other information technology solutions and services.
FINCA Microfinance Bank’s Management Team
Our management team brings vast experience, professional skills and expertise from various industry backgrounds.
Mr. Khan has over 24 years of global experience in financial services and is a recognized leader with history, experience and track record of success in large global organizations. His vast experience with one of the largest financial services institutions (JPMorgan Chase & Co.), blue chip Management Consulting firm (Deloitte Consulting), and Telenor Microfinance Bank (Easypaisa) have enabled him to be successful at leading financial services and fintech institutions to success. As Executive Director at JPMorgan Chase & Co. in United States, Mr. Khan held multiple roles and is experienced in evaluating and applying emerging solutions to transform businesses. More recently, as Chief Product Officer followed by Chief Strategy and Transformation Officer at Telenor Microfinance Bank, Mr. Khan developed a strategy, led a wide array of award winning financial and digital product suite, and executed a roadmap of enhanced financial inclusion.
Mr. Khan holds a Bachelor of Science in Electrical Engineering from the University of Texas at Austin, Masters in Business Administration from University of Delaware, Program for Working Professionals at Wharton Business School, followed by Executive leadership programs at Wharton and Harvard Business School, USA.
Mr. Qadir brings 28 years of work experience to the table including 19 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 over 11 years and has also worked with Deloitte Pakistan. His last assignment was as Chief Financial Officer of U Microfinance Bank Limited.
Mr. Qadir is a fellow member of Institute of Chartered Accountants of Pakistan and Institute of Cost and Management Accountants of Pakistan. He is also a member of Chartered Professional Accountants of Ontario, Canada and holds bachelor degree from University of Karachi.
Mr. Janjua has more than 18 years of diversified experience as legal and corporate professional; managing corporate commercial, conventional/arbitration & banking, regulatory & compliance, civil and criminal litigation at law firms, as well as serving as Chief Legal & Corporate Officer and Company Secretary handling civil and criminal litigation, mediation & microfinance banking, corporate, real estate, investments, regulatory and compliance affairs including Board Committee, Board and Shareholders meetings and related issues of the Bank. He Joined the Bank in 2009 and presently serving as Chief Legal & Corporate Officer and Company Secretary.
He is Law Graduate and Masters in Political Science from University of the Punjab. He is also a certified director from the Institute of Charted Accountants of Pakistan. His tenure at the Bank witnessed a successful completion of major equity injection of US based Microfinance organization, FINCA Impact Finance.
Mr. Mohammad Ahmad brings 25 years of experience in Commercial / SME Banking, Corporate Banking and Lease Financing. Prior to FINCA, Ahmad has worked with Atlas BOT Lease, Atlas Investment Bank, Samba Financial Group and Habib Bank Ltd (HBL) between Pakistan, UAE and the UK, where he held various senior roles in relationship management and credit & risk.
During his banking career, Mr. Mohammad Ahmad arranged both fund based and non-fund based lending facilities for commercial/ SME and corporate customers including bilateral and syndicated working capital and term loan facilities, trade financing and asset financing facilities, focusing on various sectors including General Trade, Textile, Power, Food & Beverages, Healthcare, Engineering & Contracting and Real Estate. In his last role with HBL Bank UK as Head of Commercial Banking (UK), Ahmad managed the corporate banking and retail banking business of the bank, where he notably grew the lending book and contributed to turning the commercial banking business successful and lucrative for the bank.
Mr. Ahmad holds a Master level Post Graduate Diploma in Global Business from Saïd Business School, University of Oxford and an MBA and BS in Management from WIU USA. He has also attended and completed various business and finance postgraduate modules from LUMS and Euromoney.
Muhammad Shahzad Sadiq has joined us as Group Head Risk Management of the bank. He is a banking sector veteran with over 25+ years of progressive experience in different institutions, departments and in various Leadership roles
His experience covers the following key segments/functions:
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.
Syeda Noshina Bukhari is an experienced banker. She has over 10 years of commercial banking experience before joining the Microfinance sector in 2008. She has worked at Union Bank Limited, Askari Commercial Bank and Prime Commercial Bank before joining FINCA. She has experience in branch banking operations, trade finance and SME financing. She has also worked as a main trainer and director management trainee program at Prime Commercial Bank Limited. She has developed and implemented the Banking Operational Policies and Procedure, Internal Control Processes and played a vital role in implementation of the Banking software.
Mrs. Bukhari’s has done her Masters in Public Administration from Quaid-e-Azam University, Islamabad.
Mr. Zahoor has more than 15 years of work experience in Pakistan as well as internationally in compliance function in different job roles. He is a Certified Anti Money Laundering Specialist (CAMS), having substantial knowledge and experience of compliance, AML/CTF, Sanctions, Customer Due Diligence (CDD) and relevant laws, regulations, policies/procedures, systems, risks and controls.
Mr. Zahoor started his career with State Bank of Pakistan and has served there for over 5 years. Moreover, he has worked in various roles at Standard Chartered Bank for over 9 years. In his last assignment he was working with Standard Chartered Bank as Regional Client Risk Manager for Commercial, Corporate & Institutional Banking for Africa and Middle East Region.
Yasir is a financial services leader with global experience spanning Pakistan, Ireland and Luxembourg. Always looking for new experiences, Yasir has recently moved to Pakistan from Ireland where he was Country Head of Internal Audit at the Bank of New York Mellon (BNY Mellon) with EMEA-wide audit responsibilities for some of the businesses. He previously held the same role at Mediolanum Asset Management in Dublin, where he was also responsible for the Internal Audit function of Mediolanum Group’s fund manager arm in Luxembourg. Prior to this role, Yasir was with Ernst & Young’s (EY) audit practice in EMEIA Financial Services Office (FSO) in Dublin as well as in Lahore. Before moving to Dublin, he was part of Internal Audit at Pakistan’s largest telecom company, Pakistan Telecommunications in Lahore and of Finance at Pakistan’s largest airline, Pakistan International Airlines in Karachi. Yasir’s experience of over 15 years extends to audit, risk, control and finance domains. During his recent
experience at BNY Mellon, he catalyzed outsourcing transformation and led projects in relation to risk management, governance and operations and was part of a rick culture project. In Mediolanum, he led an initiative to enhance risk and governance culture within the organization and to enhance functional quality, effectiveness and efficiency simultaneously.
Yasir is fellow member of the Institute of Chartered Accountants of Pakistan and associate of the Institute of Chartered Accountants in England and Wales. Yasir also attended executive leadership programs at American Chamber of Commerce in Ireland (AmCham) and Irish Management Institute.
Yasir is founder of Safer World, visioning to Make World a Safer Place by addressing cultural extremism. He also volunteered to provide finance consultancy to MCH Care Society, working for the cause of mother and child healthcare particularly in rural areas of Pakistan. When Yasir isn’t busy, he enjoys running, travelling, cricket and football. He resides in Lahore with his wife and a son.
Mr. Kamran is a seasoned, C-suite HR professional with his diversified career spanning over two decades. He has been partnering with CEOs, MANCOMs, Boards, and Business Leaders in strategic execution to enrich organizations’ value to all stakeholders. His repertoire of experience includes managing processes efficiently; maximizing employee contribution and commitment; and creating conditions for continuous, seamless change for organizations in growth, transformation, and M&A. These include brands like Unilever, UBL Bank, MCB Bank, Burj Bank, KElectric, and IBL Group.
Mr. Kamran holds a Bachelor of Business Administration (Hons.) degree from the Institute of Business Management (IoBM), Pakistan. He is also a Senior Certified Professional- HR by Society for Human Resource Management- USA.
FINCA Impact Finance’s Global Management
The FIF leadership team manages a global organization of more than 12,000 employees.
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