People at Karandaaz - Karandaaz Pakistan

Waqas ul Hasan

Chief Executive Officer

Mr Waqas ul Hasan joins Karandaaz as Chief Executive Officer. He is credited with designing the Enterprise and Asset Growth Programme of the UK’s Foreign, Commonwealth & Development Office (FCDO), arranging co-financing from the Bill & Melinda Gates Foundation (BMGF) and then setting up Karandaaz Pakistan for implementation of the programme. Mr Hasan has previously served as member on key Karandaaz Committees (Investment, Digital Finance) and as Observer on the Boards of Karandaaz, Pakistan Microfinance Investment Company (PMIC) and Parwaaz Financial Services Limited (PFSL).

Mr Hasan has rich experience of designing and implementing a wide range of development finance programmes on infrastructure finance, public private partnerships, climate finance, MSME finance, credit guarantees and digital finance. He has also advised on financial sector projects in Afghanistan, Ukraine, Bangladesh, Jordan and the UK. Mr Hasan has special interest in investment climate related regulatory reforms, seeding innovations, entrepreneurship and establishing key institutions to foster a rich development and impact finance landscape in the country. Mr Hasan has previously worked at senior staff and advisory positions in the public sector and at FCDO and the Asian Development Bank. He holds a Masters in Finance from the London Business School and a Bachelor of Civil Engineering from the University of Engineering and Technology, Lahore. He is also certified as Director by the Pakistan Institute of Corporate Governance.

Adeeb Ali Mirza

Chief Financial Officer, Karandaaz Pakistan

Adeeb Ali Mirza is currently heading the Finance Department of Karandaaz Pakistan. He is a Fellow Member of the Institute of Chartered Accountants of Pakistan (ICAP) having vast experience in planning, implementing, managing, and controlling finance-related activities. Prior to joining Karandaaz, he was engaged in public practice as a sole practitioner chartered accountant providing various services including auditing, transaction advisory, financial and tax due diligence, etc., primarily to the oil and gas sector companies. At Karandaaz, he is engaged in donor reporting, managing treasury functions, coordinating with auditors, and corporate compliance, etc.

Farwa Hasnain

Director Operations and Chief People Officer

Farwa Hasnain holds both the positions of Company Secretary and Head of Human Resources, Administration and Procurement at Karandaaz Pakistan. As the Company Secretary, she reports to the board of Karandaaz and manages the overall corporate governance and regulatory compliance for the organization. As the Head of HR, Farwa is committed to building a world class team and culture at Karandaaz Pakistan which embodies innovation and teamwork. With more than 12 years of experience in both the corporate and development sector of Pakistan, Farwa has expertise in designing Talent Management Systems that are in sync with organizational strategy. Farwa started her career from Tameer Microfinance Bank and has worked on economic growth and energy projects funded by USAID in renowned international development organizations - Chemonics and Engility (IRG). Farwa holds an MBA degree from NUST Business School and a certificate in Performance Management for Non-Profit Organizations from Harvard University, USA.

Navid Goraya

Chief Investment Officer

Navid Goraya brings with himself over 25 years of global experience in asset management, investment strategy, product development and corporate finance. Before joining Karandaaz as the CIO, he was leading a Strategic Advisory Firm, White Oak Advisors Inc, in New York where he was involved in serving private equity funds, family offices, banks and insurance companies in support of global investments in the US, Middle East, South East Asia and South Asia. Earlier, at HSBC USA, Navid advised approx US$6 billion in specialized funds of HSBC and led a global wealth team covering North America, the GCC, and South East Asia. He has also led specialized Investment Banking teams at the Royal Bank of Scotland and Qatar National Bank. At IICG Bahrain, he led a Capital Markets Group managing proprietary funds and endowment portfolios. In Pakistan, Navid has led an award-winning research team at a leading brokerage house in the Karachi Stock Exchange. Navid has an MBA from IBA (University of Karachi) and has also attended the High-Performance Leadership Programs at INSEAD, Fontainebleau, and London Business School. He also serves on the advisory boards of firms in life sciences and financial services in New York.

Shumaila Rifaqat

Head of Innovation Challenge Fund (ICF) & Monitoring, Evaluation and Learning

Shumaila Rifaqat brings with her 15 years of work experience in influencing public policy, designing and implementing large scale reform programmes, institutional development and change management. Prior to joining Karandaaz, she was associated with DFID Pakistan as Governance Advisor & Tax Lead on Economic Reform support to government and private sector. She has also worked with World Bank-Pakistan as Social Protection Specialist and Asian Development Bank as Programme Analyst - Governance Unit. Shumaila holds a Masters in Public Administration (MPA) from Harvard University, Cambridge and a Masters in Economics (MSc.) from Quaid-e-Azam University, Islamabad.

Sharjeel Murtaza

Director Digital Financial Services

Sharjeel Murtaza is an astute professional with 16+ years of diverse digital/IT transformation experience. He has been with Karandaaz Pakistan for 3 years and has successfully delivered in the roles of Associate Director Digital Transformation and Head of Digital Transformation Projects prior to being appointed as the Director for Digital Financial Services.

Sharjeel has attained continuous professional development and career progression by successfully delivering in domains of digital transformation, digital financial services, IT strategic planning, enterprise solution delivery management and infrastructure deployment/consolidation. He is highly passionate about establishment of an interoperable digital eco-system and catalyzing innovation for creating impact through digitalization for the underserved segments of Pakistan. Sharjeel is also an avid proponent of business process improvement, re-engineering and focus on change management for attainment of higher value from transformative interventions.

Mohammed Ghairat Hayat

Head of Risk & Compliance

Mohammed Ghairat Hayat has cumulative work experience of over 15 years in progressively senior roles with a diverse set of organizations in the financial sector, including a commercial bank, microfinance bank, and development finance institution. His areas of expertise include credit, market, liquidity, and operational risk management, and the Basel Framework. He is a CFA charterholder, certified Financial Risk Manager, and alumnus of Imperial College London. His most recent role was as Head of Risk Management and Credit Administration at Saudi Pak Industrial & Agricultural Investment Co. Ltd.

Daniyal Haq Awan

Head of Internal Audit

Daniyal is a Chartered Accountant from the Institute of Chartered Accountants of Pakistan with fourteen years of diversified professional experience in External/Internal Auditing, Risk Management, Project Management and Regulatory Compliance. Prior to joining Karandaaz, Daniyal was leading the Internal Audit function at Khushhali Microfinance Bank. During his tenure there, he played a pivotal role in the transformation and alignment of its Internal Audit function with International Standards on Internal Auditing.

Muhammad Usman Ahmed

Administration Officer

Muhammad Usman Ahmed currently works as Assistant Administration at Karandaaz Pakistan. Since 2010, he has been working in similar roles at various organizations.

Mushtaq Ahmed

Manager Administration, Karandaaz Pakistan

Mushtaq Ahmed holds more than 20 years of progressive experience working with financial and development organizations. His core expertise lies in financial management and administration. Previously, he served at Management Sciences for Health (USAID Project), Sarhad Rural Support Programme, Financial Sector Strengthening Programme (a project of SDC), Konrad Adenauer Stiftung (German Political Foundation), and Search for Common Ground (INGO).

Hasaan Anwar Raza

Senior Technical Project Manager

Hasaan Anwar has a rich experience in the telecom and financial services industry – spanning across more than 9 years. Currently, he is working in Karandaaz digital team as Senior Technical Project Manager. Previously he was working at Telenor Pakistan as a financial services technology expert where his focus was on the technology strategy and architecture while collaborating with Telenor Group and its business units. Other than easypaisa, he has also worked for DTAC (Telenor’s BU in Thailand) and Zong (CMPak). He is a graduate of LUMS with a BSc. Honors degree.

Taimoor Ali

Group Head - Digital Financial Services Projects

Taimoor Ali brings with him more than 8 years of work experience of the telecommunication sector with expertise in the field of managing mobile money partnerships, product development, project management, strategy & pricing, P&L analysis, and direct business sales. Prior to joining Karandaaz, he was working at Telenor Pakistan (Easypaisa) as Assistant Manager Corporates and Online Payments (Financial Services – Digital Payments). He has also worked as ERP Specialist (Project Management) at PTCL.

Faisal Mahmood

Head of Payments Infrastructure

Faisal Mahmood comes with over 16 years of work experience in the IT and banking industry with special focus on project management, process re-engineering, branchless & e-banking and business development. Previously, he was working as Head of IT & ADCs with National Bank of Pakistan’s Islamic Banking Group (NBP-Aitemaad), where he was leading the IT and e-banking portfolio. He also worked in the capacity of Head of IT Procurement & Vendor Management and Head of PMO at NBP. Prior to NBP, Faisal was associated with SunGard as a Consulting Practice Manager, where he was the Project Manager for core banking implementation/post implementation management for MCB bank, MCB Islamic bank, Burj bank & Faysal bank. He has also worked with Experton, AMZ Group, and UBL and has various certifications on project management and Islamic banking. Faisal also holds MCS (IT Management & E-commerce) degree from SZABIST and Bachelors from FAST & PIMAST.

Ahmed Kamal's

Manager Finance

Ahmed Kamal has around 6 years of work experience in finance, budgeting, and accounting, and financial reporting. Prior to joining Karandaaz, he was working at Pakcem Limited (Formally known as Lafarge) finance department as Executive Budgeting & Planning. He has also been associated with SNL Financial as Associate Corporate Outreach and Senior Associate Corporate Outreach. Ahmed is a graduate of NUST Business School with MBA & BBA specializing in finance and investments.

Lalarukh Iqbal

Senior Manager, Procurement

Lalarukh Iqbal brings with her over 10 years of diverse work experience in the field of supply chain management (procurement and logistics). Prior to joining Karandaaz Pakistan, she was working with Inbox Business Technologies as Manager – SCM Transformation, where she was primarily responsible for delivering transformation for SCM and finance. Prior to Inbox Business Technologies, she worked at VEON, looking after IT supply chain and strategies for business support systems, enterprise support systems, and application development management. Lalarukh holds MS degree (Management) from Szabist University, Pakistan and also holds MBA degree (Finance) from NUST Business School, Pakistan.

Zafar Iqbal

Senior Manager Finance

Zafar Iqbal is part of the finance team and was working with Karandaaz in a consulting role previously. He brings over 6 years of experience in the field of Auditing, Compliance and Finance. Prior to joining Karandaaz, he was working with Ericsson Pakistan as Executive EGMS Compliance where he was primarily responsible for ensuring adherence to group processes and policies. Zafar is qualified Chartered Accountant and has worked with A.F.Ferguson & Co. as Audit Supervisor.

Ali Akbar Ghanghro

Senior Manager, Research & Insights

Over the past 9 years, Ali Akbar Ghanghro has worked in various capacities in non-profits, think tanks and the government in both Pakistan and Canada. Prior to joining Karandaaz, he was working as a Team Lead Research with Lead Pakistan where he was primarily responsible for managing the Research Portfolio of the Punjab Saaf Pani Project and providing strategic input to the CEO on funding raising opportunities. He was also associated with Pakistan Microfinance Network as Research Manager and Ministry of Finance-Government of British Columbia as Tax Policy Analyst. His areas of interest include public finance, public-private partnerships and financial inclusion. Ali holds a Masters in Economics from the University of Ottawa and brings diverse experience in research and advocacy.

Hasnat Ashraf

Senior Manager, Innovation and MEL

Hasnat Ashraf brings with him over 10 years of diverse work experience, primarily focusing on enterprise development, pro-poor value chains, micro, small and medium financing, risk analysis and product and process innovations. Prior to joining Karandaaz, he was working with Pakistan Microfinance Investment Company (PMIC) as Portfolio Manager where he was managing a portfolio of over PKR 8 billion to a wide range of Non-Bank Microfinance Institutions. He has also been associated with Pakistan Poverty Alleviation Fund (PPAF) as Portfolio Manager and HBL as Relationship Manager - Corporate Banking Group. Hasnat holds an M.Sc. International Business and Management from the University of Bradford, UK. He also holds an MBA (Banking & Finance) from University of The Punjab, Lahore.

Maryam Sohail

Senior Executive Administrative Operations

Maryam Sohail, prior to joining Karandaaz, has worked in Admin and HR on another DFID funded project, implemented by IMC Worldwide. She has also worked with Creative Associates International as Admin and Grants assistant. Maryam graduated from COMSATS University with a Bachelors in Business Administration and holds a Masters degree from SZABIST University.

Muhammad Ali Shah

Manager Procurement

Muhammad Ali Shah is a Procurement and Operations professional with over 18 years of diverse work experience with multinational companies and development sector in Pakistan. Prior to joining Karandaaz, he has worked at USAID funded KP Governance Project as Operations Manager. He has also been associated with other USAID projects including Engility Corporation and USAID Safe Drinking Water Project where he was responsible for procurement and contracts management, negotiation, conflict regulation, supplier relationship, logistics and administration. He holds an MBA in Marketing and a BBA from Newports Institute of Communication & Economics. He also holds MS in Supply Chain from Bahria University, Islamabad.

Samia Salik

Manager Innovation

Prior to joining Karandaaz, Samia Salik was working with Jazz Pakistan as MBB Segment Specialist. She has also worked in Telenor as Channel Planning Executive. She has experience of products, pricing & analytics in Telecommunication Sector. She has also been associated with Launchpad Interactive, a digital marketing firm where she looked after the on ground & digital activations of local brands of Pakistan. She holds an MBA (Marketing) and BBA (Marketing) from International Islamic University.

Umar Saeed

Associate Director

Umar Saeed has over 14 years of diverse experience of working in business development, project management, product development, internal audit and strategy, and planning department. Prior to joining Karandaaz he was associated with Telenor Pakistan for almost 9 years serving in different roles in the commercial division and CEO office. He has also served in Technology division of Mobilink. Umar holds a Bachelor of Engineering (Electronics and Telecom) from National University of Sciences and Technology (NUST), Islamabad. He loves gardening, traveling, reading books on history and playing squash.

Nasir Saleem

Manager Risk Analytics

Nasir Saleem brings with him over seven years of experience in the domain of risk management. Prior to joining Karandaaz, he has been associated with Askari Bank where he was part of Risk Management Group looking after Market Risk & Analytics, Data Analytics & Capital Adequacy under Basel Framework. He joined Askari Bank as a Management Trainee and grew to the role of Senior Analyst – Market Risk & Capital. Nasir has completed MBA and BBA specializing in Finance from NUST Business School.

Sana Bilal

Manager Fintech Ecosystem

Prior to joining Karandaaz, Sana was working with Telenor as Corporate Innovation Expert. During her time at Telenor, she worked in various divisions and was involved in the launch of an innovation program that focused on design thinking, promoted the adoption of a sprint framework for creative problem solving, alternate payment methods and was involved in the launch of Google Play. Sana also has experience of launching a number of digital products in startup mode from her work at the digital division at Telenor. Sana holds an MBA from COMSATS Lahore.

Harris Chohan

Principal Green Financing

Harris Chohan brings with himself over 14 years of experience in investments, business strategy, valuations, M&A services, and corporate finance. Before joining Karandaaz, he worked at Bridge Factor, focusing on corporate and debt deals in a range of sectors including within the renewable space. Harris started his career with Grant Thornton in Pakistan and later was a part of the investment banking team at MAS Clear Sight, a DIFC based company. He is also a Member of the Association of Chartered Certified Accountants UK.

Awais Shafi

Procurement Executive

Awais Shafi, prior to joining Karandaaz, has been part of procurement teams at SNGPL and Wi-tribe Pakistan. Having a SAP FI certification from Siemens Pakistan, Awais has led and trained SAP FI module trainings. He carries an Honors degree from Oxford Brookes University, UK, and an MBA from SZABIST, Pakistan.

Umber Shakeel

Manager People Services

Umber Shakeel is an HR professional with over 11 years of experience. She has worked as an HR Generalist and then a Strategist in the Development, Education and Corporate Sector. She believes that diversity and inclusion are the future of a progressive organization and has been championing the cause in her last job at Pakistan Telecommunication Company Limited. She created and ran Pakistan's largest employee volunteer force - PTCL Razakaar, that received multiple accolades for philanthropy and employee engagement during her five year tenure. Umber has a Masters in Business Administration from the Riphah International University Pakistan and a Bachelors in Business Administration from the Curtin Business School Australia. She holds professional training in HR Strategy, People Management, Digital Trainings and Design Thinking in addition to D&I.

Hasan Saeed

Analyst Research & Insights

Hasan Saeed is a Knowledge Analyst with over five years of experience. He has worked as Research Lead and Associate in the startup ecosystem of Pakistan. Hasan believes in fostering the tech-driven ecosystem by monitoring insights and propelling relationships between public and private sector through teamwork and leadership. His previous work has also dealt with these tenets through research at startups.

Abbas Zulqarnain

Assistant Manager People Services

Abbas Zulqarnain has joined the HR team today. He has a postgraduate degree in Human Resource Management (M.HRM) and has over 8 years of experience in various sub-functions of HR in the industrial sectors of Banking, Media & Communications, Engineering and Construction. Abbas believes in open communication and is known to be respectful and trustworthy by his colleagues. He holds a passion for traveling and exploring new places.

Ahmed Bilal Saeed

Senior Analyst Green Financing

Ahmed is a finance professional passionate about investing and creating value. He brings in 4 years of professional experience in banking, corporate strategy and sell-side equity research. Prior to joining Karandaaz, he worked as a Team Leader in Transaction and Employee Banking at HBL - one among Pakistan’s renowned and largest banks. He has also published research reports and developed financial models for Auto Assembling and Oil Marketing companies listed on the Pakistan Stock Exchange. He was a part of the Strategy team responsible for the transformation of PTCL and was also a part of the Pakistan Equity Strategy Report published by a previous employer. Ahmed holds an Accounting and Finance degree from NUST Business School and is a recipient of the Rector’s Gold Medal Award for his contribution in his FYP. He is also pursuing a CFA Charter and is a candidate for the Level 3 exam. He enjoys making financial models for his personal investments and is an avid golf and table tennis player.

Hamza Aftab

Senior Analyst Innovative Lending Program

Hamza Aftab is a finance professional with valuable working experience in the banking sector. As a recent MBA graduate from LUMS he is passionate about the intersection between technology and finance. His exposure to various case studies and consultancy projects during his postgraduate study makes him an all-rounder in today’s technology-driven financial landscape.

Abdul Rehman Basit

Senior Analyst Private Equity

Abdul Rehman Basit has a well-rounded exposure of different industries as a Corporate Finance and Investment Banking professional. Before joining Karandaaz, he was working as an Associate at Synergistic Financial Advisors. He has taken part in multi-million-dollar transaction deals for GCC-based holding companies in several industries including but not limited to Real Estate, Healthcare, Education, Cement, e-Commerce, Solid Waste Management and Transportation sector to name a few. He is a specialist in constructing comprehensive financial models and deal advisory structuring. He holds an MBA in Finance, has a certification in Fixed Income Trading and Investments from USAID and is aspiring for CFA.

Alishba Zaheer

Executive Employee Experience

Alishba Zaheer is a graduate of NUST and an aspiring HR professional. She has worked as a Talent Acquisition Intern at PTCL where she successfully assisted in the recruitment and administration of new hires. She understands the importance of positive business culture and how it can increase employee morale and encourage equitable workplaces. She looks forward to playing her role in creating and enhancing a climate that promotes inclusion, equity, and diversity where employees of all backgrounds can thrive.

Saad Sarfraz

Analyst Research & Insights

Saad Sarfraz is a well-known face around KRN and has contributed greatly to the MEL team prior to his current assignment with KMC. He also helped develop the environmental and social management policy for PFSL. Prior to joining Karandaaz, Saad worked as a Junior Research Associate with a development consultancy firm. He earned an MSc Global Political Economy degree with Distinction from the University of the West of England and a BSc Economics & Management degree from the University of London. He aspires to be a development practitioner and contribute toward creating a progressive impact that is sustainable

Ramsha Khan

Senior Analyst Marketing & Communications

Ramsha Khan is a marketing professional and has over 5 years of experience working as a digital marketeer, graphic designer, and copywriter in the Telecom, Retail, Education, and Food sectors. Coming from Symmetry Group, she aims to build a career that empowers those around her. She believes in the power of the written word and the short strokes of paint that help give voice to stories that are in urgent need to be told.

Itrat Batool

Senior Analyst Risk

Itrat is a self-motivated professional with a diversified experience in corporate banking, development organizations, and industry. She possesses a varied skill set in financial analysis, credit risk assessment, line structuring, data handling, and structured report writing. Itrat has a sound scholastic record and holds an MBA in Finance from NUST Business School. She is pursuing a certification in Microsoft Power Bi and is also an aspiring CFA Level 2 candidate.

Saad Bin Qaiser

Sr. Analyst Finance

Saad Bin Qaiser is an accounting professional with over 14 years of diversified experience in preparing financial statements, financial forecasts, financial modeling, project appraisals and as an audit liaison. Prior to joining Karandaaz, he was working as a Corporate Analyst with the Shahzad Group of Companies - one of the largest privately owned E&P companies of the country. Saad holds a bachelor's degree in Applied Accounting and is a part-qualified ACCA.

Musawir Hussain

Associate Investment

Musawir Hussain is a dynamic business professional with diverse experience in investment banking and private equity, with specialization in deal advisory and financial modeling. Prior to joining Karandaaz, he was working as a Chief Investment Officer at Apex & Company Limited, where he was responsible for developing an active investment pipeline. During his professional career, he has been associated with prestigious organizations such as Zarai Taraqiati Bank Limited (ZTBL), Pakbrunei Investment Company Limited (PBICL), Rupani Foundation, and Copperchase Limited (UK). As a member of the Institute of Cost and Management Accountants of Pakistan and a certified director, he assisted the government in initiatives related to financial access and economic empowerment in Gilgit-Baltistan.

Bilal Safat

Associate Investment

Bilal Safat is a Chartered Accountant and a member of the Institute of Chartered Accountants of Pakistan (ICAP) and the Association of Chartered Certified Accountants UK (ACCA), with over 12 years of experience in Finance. Prior to joining Karandaaz, he was working as a Finance Manager in a multinational telecom engineering company - LCC Pakistan, where he was leading the Finance function in areas of FP&A, Strategy, Project Investment Appraisals, and Financial Controlling. While being with LCC Pakistan, he got exposure to multiple corporate groups like LCC International US, Tech Mahindra, and Talkpool Switzerland. He also served the group at a regional level and worked on different assignments with senior management.

Saqib Tariq

Associate Strategic Equity Investment

Saqib Tariq is a passionate finance professional with zeal for sustainable finance. He started his career at S&P Global Market Intelligence and went on to lead the financial institution research for APAC. He brings in experience of banking research, valuation, financial modelling and data analysis. Saqib is a Chevening Scholarship awardee and holds a Master in Finance (MFin) degree with distinction from the University of Glasgow. He is currently pursuing the CFA certification. Apart from finance, he enjoys chess, table tennis and reading.

Hammad Ghaznavi

Specialist Treasury

Hammad holds an MBA degree from Bahria University Islamabad. He joined Lafarge Pakistan Cement Limited in March 2015 and after completing 1 year he joined Bestway Cement Limited in 2016. His career spans over 7 years with most of it spent in the treasury department. His last assignment, before joining Karandaaz was with Edotco Pakistan Pvt Ltd where he served as Senior Executive Treasury. Hammad has diverse experience in the Treasury operations including Trade Finance as prime key area along with Cash Management, Investments, Marine insurance. He has good understanding of Cash Forecasting and UCP 600.

Zain Zaidi

Analyst Finance

Zain is an ACCA member and a finance professional with over five years of experience in the audit and telecom sectors. Prior to joining Karandaaz, he worked as an Executive Finance at Trans World Enterprise Services. Before that, he served as a Senior Audit Associate at KPMG Taseer Hadi & Co. Zain believes that the promotion of start-ups and SMEs is the best way to help society accomplish job creation and economic growth

Danyal Ahmed

Senior Analyst Marketing & Communications

Danyal Ahmed is a Communications professional with over 7 years of experience creating impactful content and brand identities. Prior to joining Karandaaz, he has worked with various organizations including EU, NUST, Nutrition International, UNDP, and USAID. Danyal is dedicated to crafting authentic brands that resonate with audiences and drive societal change. He has expertise in media strategy and marketing operations. He holds an MA in Advertising from Bournemouth University and a BS in Mass Communication from NUST.

Miqdad Haider

Associate Credit

Miqdad Haider is a finance professional with over 10 years of diverse experience. In the past, he has worked in the Credit Rating Agency, Microfinance, and Banking sectors. Before joining Karandaaz, he was associated with the Pak China Investment Company Limited as Assistant Vice President – Corporate Banking Group handling a wide range of corporate relationships in sectors such as Sugar, Oil & Gas, Textile, Banking, Telecommunications, Power, and Microfinance. Miqdad holds a BSc. degree in Accounting from the Brooklyn College of the City University of New York and has also cleared two levels of the CFA program.

Talha Bilal

Senior Analyst Innovative Lending Program

With more than 10 years of experience in the banking and consulting fields, Talha Bilal has expertise in SME & Commercial business and credit risk related matters. During his tenure in the banking industry, he primarily focused on SME lending and now desires to contribute to the growth and development of businesses in Pakistan especially the SMEs. Talha holds an MSc. in Management from The University of Manchester's Manchester Business School (UK) and a BSc. (Hons.) in Economics & Finance from Lahore School of Economics.

Zain Qadir

Analyst Operations, CSR and Governance

Zain Qadir is an MBA graduate from NUST, with a strong interest in strategy and critical thinking. He has worked in the financial services industry for the past 2.5 years, where he has honed his problem-solving skills. Zain is enthusiastic about exploring a different role and is looking forward to making a positive impact at Karandaaz.

Muhammad Kamran Tauqir

Specialist Innovation Investment

Kamran Tauqir carries with him over 8 years of work experience of which he spent majority of the time in managing multiple areas of risk including Investment, Market, Liquidity, Credit and Operational risk for Khushhali Microfinance Bank Limited while also leading implementation of IFRS 9 in the bank. Kamran has been part of Pakistan Center for Philanthropy (PCP) where he evaluated different non-profit organizations all over the country for their program delivery and its efficiency and effectiveness. He believes that financial inclusion is at the heart of economic development of any country and it requires intent and innovation at the same time to achieve this objective. Kamran qualified ACCA in 2013 and is into the last level of his CFA.

Misbah Jilani

Manager Financial Accounting and Reporting

Misbah Jilani is a finance and accounting professional with a decade of valuable work experience under her belt. She is a qualified Chartered Accountant, having dedicated 8 years with PwC Islamabad, gaining comprehensive expertise in financial auditing and taxation. She further expanded her horizons by joining Quixel Pakistan - Epic Games Inc., where she spent two years contributing her financial acumen and playing a vital role in the company's growth and success.

Taimur Afzal

Senior Analyst Private Equity

Taimur Afzal is a finance professional with experience in deal advisory and equity research. He worked as an Investment Analyst for AKD Securities, covering 4 major sectors, and as a Senior Associate in the Valuation team of KPMG Pakistan's Deal Advisory department. Taimur holds a bachelor’s degree in Accounting & Finance from IBA Karachi, and is a Level II Candidate.

Kanza Nadeem

Analyst Finance & Taxation

Kanza is a finance professional with a Bachelor's degree in Accounting & Finance from NUST Business School. With over 4 years of diverse experience in banking, digitization initiatives, corporate strategy, and risk management, she joins us from her role as a Business Planning Manager at HBL, where she worked on transaction and employee banking. Committed to excellence, she aims to obtain a CFA charter. Beyond professional pursuits, Kanza's love for reading and exploration adds depth to her character.

Yasir Farhan

Graphic Designer

Yasir Farhan has a passion for advertising and a desire to deliver excellence and innovation through his projects. He brings more than 15 years of experience in the industry, including 3 years as a Consultant Graphic Designer with Karandaaz Pakistan. Here, he has collaborated with the Marketing & Communications team to support various verticals, such as Digital, Capital, Innovation and Research, and ensured consistent and effective branding across all communication channels. Yasir has a keen eye for design and a creative flair that aligns with the company's vision.

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