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.

Navid Goraya

Chief Investment Officer, Karandaaz Capital

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.

Rehan Akhtar

Chief Digital Officer, Karandaaz Digital

Rehan Akhtar is a senior executive with diverse work experience in transformational leadership, creating new business revenues, setting up new divisions, redesigning and repositioning products and brands. As Chief Digital Officer at Karandaaz Pakistan, his mission is to increase financial inclusion by catalyzing innovation in the public and private sectors. Bill and Melinda Gates Foundation and Foreign, Commonwealth & Development Office fund the program. Rehan has led business transformations of B2B and Customer Services divisions in Telenor, created brands, and a portfolio of products and services for B2B segments. In these capacities, he focused on driving innovation, customer centricity, and digital transformation agenda. He has a deep interest in developing market systems for Financial Inclusion. Rehan holds an MBA from Lahore University of Management Sciences and an undergraduate degree in Mechanical Engineering from the University of Engineering & Technology, Lahore.

Mehr Shah

Director, Knowledge Management & Communications

With over 15 years of experience in a wide range of local, regional and global development agendas, Mehr Shah is currently leading Karandaaz Pakistan's Knowledge Management & Communications portfolio. She has worked in notable organisations like the Pakistan Microfinance Network, Hagler Bailly (Pvt.) Ltd., and has been a consultant with The World Bank in Pakistan and Afghanistan. Her key success areas include organizational strategy, primary and secondary research methodologies, organization and project management, team building and profiling for nascent and re-aligned organizations, and research and advocacy. Mehr is a Fulbright scholar and holds an MBA from Syracuse University's Martin J. Whitman School of Management (USA) and a BSc (Hons.) from LUMS. Mehr has a passionate interest in global and local politics and was awarded the Carnegie Fellowship by the New America Foundation in Washington DC, USA in 2013 where she researched the devolution of education in Pakistan.

Farwa Hasnain

Company Secretary & Director Operations

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.

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.

Ammar Habib

Head of Risk & Compliance, Karandaaz Pakistan

Ammar Habib has more than nine years of experience in the banking, capital markets, and energy space. Prior to joining Karandaaz, he was Head of Risk at National Investment Trust Limited (NIT), which is the largest Asset Management Company in Pakistan, where Ammar was a member of Investment Committee, managing more than PKR 100 billion of capital deployed in equity, and fixed income funds. He was Secretary of the Board Risk Management Committee, while also being Secretary of a committee formed by SECP for development of Exchange Traded Funds in Pakistan. In the energy sector, Ammar has advised on deals with ticket size in excess of USD 2 billion, working on projects ranging from coal mines, off-grid LNG, to solar lease solutions. Ammar was also part of a team managing wholesale risk, risk analytics, and credit modeling at HSBC Bank Middle East. Ammar has completed 2 levels of the Chartered Financial Analyst (CFA) program, while also being a certified Financial Risk Manager (FRM). He has a Masters degree in Macroeconomic Policy & Financial Markets from Barcelona Graduate School of Economics, as well as an undergrad degree in business from IBA, Karachi.

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.

Naresh Kumar

NBFC Project Director

Naresh Kumar brings with himself 20+ years of experience mainly revolving around SMEs. Prior to joining Karandaaz, Naresh was with Habib Bank Limited as Business Head SME from 2011 to Aug 2019. He played a major role in developing SME portfolio of HBL that included the launch of a number of SME product programs which helped HBL in becoming the largest SME bank of the country. He joined Habib Metro Bank in August 2019 as the Head of SME Banking. Naresh holds a Masters in Business Administration (MBA) from the Institute of Business Administration (IBA).

Muhammad Usman Ahmed

Assistant Administration, Karandaaz Pakistan

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).

Mehwish Shams

Manager, HR Operations

Mehwish Shams has almost 5 years of work experience. Previously, she was working as Assistant Manager (HR Strategy & Special Projects) at PTCL where she worked on variety of projects including annual HR strategy formulation and implementation, employee engagement interventions, corporate social responsibility, and corporate communications. Prior to PTCL, she worked as an HR Executive for eConceptions where she was managing various HR functions. She is a graduate of NUST Business School with a BBA in marketing and MBA in human resource management.

Hasaan Anwar Raza

Senior Technical Project Manager, Karandaaz Digital

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

Associate Director Innovation, Karandaaz Digital

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, Karandaaz Digital

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.

Muhammad Mustafa

Senior Analyst, Procurement

Muhammad Mustafa was earlier working with Nexicle Consulting and prior to that, he worked as a Procurement Assistant on a USAID-funded project in Pakistan being implemented by International Resources Group (IRG). Mustafa has done his Bachelors in Business Studies (Hon) from University College Lahore and received his degree from London School of Economics (external program).

Ahmed Kamal

Assistant Manager, Treasury & Budgeting

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.

Haroon Shuaib

Senior Manager, Communications

Haroon Shuaib brings with him over 19 years of experience in communications and outreach related planning, content production, management, training, monitoring, evaluation, and research. Prior to joining Karandaaz, he was working in USAID Pakistan as Development and Outreach Communications Specialist. Prior to that, he has also been associated with Chemonics International Inc. as Team Lead, Public Awareness. He has also worked in the capacity of a consultant with The World Bank and as a documentary director with Serendip Productions.

Sadia Khan

Manager, Finance

Sadia Khan brings with her over 8 years of diverse work experience in the field of finance (accounting and treasury). Prior to joining Karandaaz, she was working with VEON (Vimpelcom Global Shared Service Center) as Manager GL (Record to Report- Finance) where she was primarily responsible for delivering financial services to Jazz. Prior to VEON, she worked at Lafarge Pakistan Cement, overseeing actualization, recording and management reporting. She also worked at Telenor Pakistan as an Accounts and a Treasury Specialist for Local Accounting Services and as an Accounts Expert at Global Accounting Services. Sadia is an ACCA Member (Associate of Chartered Certified Accountant-UK).

Lalarukh Iqbal

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

Assistant 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

Manager, Knowledge Management

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.

Izzah Shahbaz

Principal Credit, Karandaaz Capital

Izzah Shahbaz brings with herself more than 10 years of banking experience, primarily focusing on corporate banking, investment banking, credit risk analysis. Prior to joining Karandaaz, she was working with Bank Alfalah as Senior Cluster Manager – Corporate & Commercial Banking where she was managing corporate and commercial relationships (including SMEs) in the major segments such as Oil & Gas, Ship Breaking, Real Estate, Commodities, Textiles, Pharma, Automotive and Services sectors. She has also been associated with Habib Bank Limited as Senior Risk Manager & Project Manager, National Eagles and Angels Association as Equity Research Manager, Burkenroad Institute- Freeman Business School as an Investment Research Manager and Citibank as Senior Relationship Manager. Izzah is a Fulbright Scholar and is a double MBA in Finance, International Business and Energy.

Hasnat Ashraf

Manager, Monitoring, Evaluation and Learning

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

Admin Officer, Karandaaz Pakistan

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.

Abdul Rafay

Associate Credit, Karandaaz Capital

Abdul Rafay has over four years of experience in banking sector. He has worked with Meezan Bank Limited as Assistant Relationship Manager- Corporate & Investment Banking Group. At Meezan Bank Ltd he has managed diverse portfolio of corporate customers, ranging from textile and garment exporters to a major gas distribution company. Prior to Meezan Bank Limited, he has also worked with The Bank of Punjab as Credit Risk Analyst in Risk Management Department, where he analyzed the credit proposals of SME and Corporate customers. Rafay has done his MBA from Lahore University of Management Sciences and also holds ACCA certification.

Hassan Ali

Principal Investment, Karandaaz Capital

Hassan Ali is an investment professional with more than 13 years of extensive experience on buy-side M&A, Business Valuation, Financial Modeling, Due Diligence across various sectors including Banking, Healthcare, Education and Real Estate and has been involved in the deployment of capital in excess of US$ 3 billion over his career. Prior to joining Karandaaz, Hassan was working as an Associate Director with The Abraaj Group. He has also led the corporate finance team of BMA Capital Management Limited as a Senior Vice President. Hassan started his career with KPMG in Pakistan. Hassan is also a Member of Association of Chartered Certified Accountants UK and completed his B.Sc. in Applied Accounting from Oxford Brookes University UK.

Muhammad Ali Shah

Senior Specialist, 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, Karandaaz Digital

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.

Hashim Sohail

Specialist, Innovation

Hashim Sohail has over 5 years of work experience in the financial and research sector. Prior to joining Karandaaz, he was working with Faysal Bank Limited – Investment Banking Group. During his tenure at Faysal Bank, he was an active part of the Equity Advisory and Debt Syndication Team, and participated in the successful closure of landmark transactions where Faysal Bank served as the Mandated Lead Arranger. He has also served as a Buy Side Equity Analyst, where he was a part of the Finance & Investment Management teams at the renowned Asset Management Companies of Pakistan – UBL Fund Managers and Atlas Asset Management and has also worked with Topline Securities as a Research Analyst. Hashim has done his ACCA and holds a First Class Honors in Applied Accounting from Oxford Brookes as well. In addition, he has also successfully completed the CFA program in June 2017.

Saad Gul Malik

Senior Associate, Investments, Karandaaz Capital

Saad Gul Malik is an investment professional with over 5 years of work experience in project finance, buy & sell-side transactions, valuation, research, and investment appraisal. Prior to joining Karandaaz, Saad was working in the Investment Division at Fauji Foundation. He has diversified exposure in different sectors including fertilizer, cement, conventional & alternative energy, banking, infrastructure, food processing, healthcare and education. Saad has successfully passed all the examinations for the CFA, FRM, and CAIA qualifications.

Areej Javed

Senior Analyst, Communications

Prior to joining Karandaaz, Areej Javed was working with United Nations Office for Project Services (UNOPS) in the capacity of Communication and Coordination Assistant in collaboration with stakeholders such as UNDP and the Election Commission of Pakistan. Prior to UNOPS, she worked for CM Pak Ltd. (Zong) in the capacity of Government and Corporate Projects Officer for Zong's Mobile Financial Service. Areej holds a BSc in Economics from NUST Business School and is currently doing her MBA in marketing from SZABIST university.

Umar Saeed

Program Manager, Karandaaz Digital

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.

Ammar Rafi

Senior Analyst, Karandaaz Capital

Ammar Rafi has worked at Habib Bank Limited, Bank Alflalah Limited and United Bank Limited as well as CFS Management Services Limited in the UK. In his last position, Ammar worked as a Financial Analyst at Agriculture Delivery Unit, Agriculture Department, Government of Punjab. His work with Government of Punjab mainly comprised of developing digital payment gateways for financial inclusion of farmers in Punjab, Product Development on Youth & Women in collaboration with USAID and managing Punjab Fasal Bima (Takaful) Scheme. Ammar has a Bachelor's degree from Manchester Metropolitan University UK and Master's degree from the University of Bradford UK in the field of Finance.

Nasir Saleem

Senior Analyst Risk and Compliance (SEED)

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.

Sadaf Riaz

Senior Analyst, Finance

Sadaf Riaz brings with her over four years of experience in the field of finance. Prior to joining Karandaaz, she has been associated with KPMG Taseer Hadi and Co. and has also worked at Telenor Pakistan. She is a qualified Chartered Accountant and brings with her extensive experience in auditing and finance.

Saqib Sultan

Senior Analyst, Corporate Investment & Credit, Karandaaz Capital

Saqib Sultan brings with him over four years of private equity investment experience in different sectors including, real estate, FMCG, and manufacturing across the UAE and Russia. Prior to joining Karandaaz he was working on the Investment Analysis & Reporting (Private Equity) at Zamwell Capital Limited in Dubai. He has completed his BSc Honours in Accounting from Oxford Brookes University, and is a qualified member of ACCA and UAECA.

Sharjeel Murtaza

Associate Director, Digital Transformation, Karandaaz Digital

Sharjeel Murtaza brings with him over 13 years of work experience in domains of IT strategic planning, enterprise solution delivery management, middleware and CRM implementations, infrastructure deployment/consolidation and enterprise-wide IT capacity building. Prior to joining Karandaaz, Sharjeel has worked with the Government of Punjab since 2016. He has also been associated with IBM Australia and Ascender HCM in Project Delivery and Governance domains.

Salah Uddin

Program Analyst, Karandaaz Digital

Salah Uddin has recently returned to Pakistan after completing Masters in Global Policy from Boston University as a Fulbright scholar. Previously, he has worked at The Aman Foundation as a Management Trainee where he was involved in project planning and management as well as research. Salah Uddin holds a Bachelor’s degree in Business Administration from IBA Karachi.

Muhammad Junaid Sadiq

Associate Investment, Karandaaz Capital

Before joining Karandaaz, Muhammad Junaid Sadiq has been working at Fauji Foundation in their Business Strategy and Investment Planning teams for the past 6 years, responsible for evaluating new business proposals being conceived within Fauji Group. He has worked as a Business Analyst in the United Kingdom with various financial institutions. Muhammad Junaid Sadiq has done his MSc in International Business & Entrepreneurship from the University of Glasgow, and an MBA with Specialisation in Finance from the University of Central Punjab, Lahore.

Amna Awan

Gender Advisor, Karandaaz Digital

Before joining Karandaaz, Amna has been working with UNDP's Merged Areas Governance Project in the capacity of Program Manager (Economic Pillar). Prior to that, she has worked with Small and Medium Enterprises Activity (USAID - Enclude) as Women-Led Enterprises Specialist. She has also worked as Women's Economic Empowerment Specialist with Australian Aid's Market Development Facility. Earlier employers include the Ministry of Finance, Liberia, and Kashf Microfinance Bank Limited. Amna has done her MPA-ID from Harvard Kennedy School and her BSc Hons (Finance) from Lahore University of Management Sciences.

Raza Khan

Senior Analyst, Karandaaz Capital

Before joining Karandaaz, Raza Khan has been working as an Investment Analyst at Frontier Works Organization (FWO) since 2017. Raza has passed CFA Level 3 and has done his BSc Hons from Lahore University of Management Sciences (LUMS).

Taimur Sajjad

Senior Analyst, Karandaaz Capital

Before joining Karandaaz, Taimur has been working as an Analyst at Bridge Factor Private Limited since 2018. Prior to that, he was working as a Trainee Engineer at Orient Energy Systems. Taimur has done his BSc in Mechanical Engineering from the Institute of Space Technology.

Sana Bilal

Manager Fintech Ecosystem, Karandaaz Digital

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.

Mohsin Ashfaque Khan

Analyst, Innovation

Prior to joining Karandaaz Mohsin was working at Askari Bank Limited for the past 3 years. He joined Askari as a Management Trainee Officer rising up to the post of a Relationship Manager for Askari's SME Division, where he provided structured lending facilities to Small and Medium Enterprises in the Northern region of Pakistan. Mohsin holds Bachelor's in Public Administration from NUST and is currently enrolled in an Executive MBA Program at NUST Business School.

Shehryar Aziz

Analyst, Karandaaz Digital

Prior to joining Karandaaz, Shehryar was working as Research Associate at the Policy Research Institute of Market Economy (PRIME) where he analyzed various economic policy developments, taking place at the national level in Pakistan. He has also written for The Express Tribune and The News International. Shehryar holds a BBA and MBA from National University of Sciences and Technology, Islamabad.

Shahbano Asad

Programme Analyst

Shahbano Asad has joined Karandaaz Team as Programme Analyst and supports the CEO. Prior to joining Karandaaz, Shahbano Asad was working as Senior Associate – Advisory Department at A.F Ferguson and Co. - A member firm of PwC network, Islamabad for the last two years. Her areas of experience include building client relationships, programme management, and research data analysis. Shahbano holds a B.Sc. Economics & Management from University of London International Programmes.

Majid Jilani

Associate Director, Digital Transformation Projects

Majid brings over 20 years of work experience in Program Management and Business Development. Prior to joining Karandaaz, he was working with Oracle Corporation as Senior Partner, Alliances Manager – Public Sector. He has worked at top technology companies including SAP and Oracle, both in Pakistan and in the U.S, working mostly with public sector customers. His professional journey includes a lot of work experience at leading platforms and technology providers that enable Digital Transformation including ERP, Data Warehouse, and Cloud Computing. Majid has an MBA from LUMS and has a Bachelors in Electrical Engineering from NUST.

Danyal Saleem

Operations Analyst

Danyal Saleem joined Karandaaz Pakistan as a fresh graduate with a Bachelor’s in Accounting and Finance from NUST Business School. Prior to joining Karandaaz as an employee in the role of Operations Analyst, he worked as a consultant for Karandaaz to support the set-up of InfraZamin Pakistan Limited, a Non-Bank Finance Company, he had also been engaged by Karandaaz as a Short Term Technical Assistant in the Finance, Innovation Challenge Fund & Monitoring, Evaluation, and Learning Departments. Through his experience at Karandaaz, Danyal has displayed his skills in the areas of project management, financial management, corporate governance, and relationship management with government regulators. He loves the development sector and plans to pursue it further.

Ahad wazir

Specialist, Innovation Challenge Fund, Women Ventures

Prior to joining Karandaaz, Ahad was working with Teamup/National Incubation Center Pakistan as Manager Investments and Partnerships. Ahad has a keen interest in big data and the fintech industry. As one of the founding members of the Teamup/National Incubation Center Pakistan, Ahad has worked with more than 200 tech startups from diverse business sectors such as e-commerce, hardware, software, cloud services, telecom, analytics platforms, digital news networks, and fintech. Ahad has also completed his ACCA and is a member.

Shoukat Ali Butt

Financial Analyst

Shoukat has more than 6 years of work experience in accounting and finance, mostly working in the UAE in various sectors including retail, real estate, and hospitality sectors and has also worked in property management sector of Alberta, Canada. Shoukat has a Bachelors of Honors in Economics and Finance from Quaid e Azam University. He is a qualified CMA USA, ACMA, and an ACCA finalist

Ans Qayyum

Senior Analyst, Knowledge Management

Ans has a passion for leveraging information and analytics for decision making in financial services, technology and mobility solutions. He brings a track record in executing research projects & has specific expertise in gauging consumer insights and the of impact of financial services. Additionally, he has led a variety of assignments within digital marketing, communications, corporate finance & sustainability. Prior to Karandaaz, he was working as the Industry Insights Manager at Careem where he built an predictive model for consumer satisfaction and the determinants that customers value the most. Before that, he held the position of Manager Research at FINCA Microfinance Bank. Ans helped determine FINCA’s exact outreach to the poor and its magnitude of jobs created, eliminating the organization’s reliance on secondary estimates for gauging its impact. He was also part of the team that launched “SimSim” in Pakistan. Ans holds an undergraduate degree in Social Sciences from LUMS and is also pursuing his Executive MBA degree.

Bilal Ghazi

Technical Project Manager

Prior to joining Karandaaz, Bilal Ghazi was working with Emirates Integrated Telecom as Project Delivery Manager. Bilal brings with him over 15 years of experience in the areas of Technical Project Management, Software Engineering, Architecture, QA, BSS, OSS, Business Analytics, Geographical Information Systems, Data Science, Machine Learning, and AI. Bilal holds a BS in Software Engineering from the University of Karachi and an MS in Computing from SZABIST Dubai Campus.

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