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.

Mehr Shah

Director Research, Marketing & Communications

With over 15 years of experience working in a wide range of local, regional and global development agendas, Mehr Shah is currently leading Karandaaz Pakistan's Knowledge Management & Communications portfolio. Mehr was part of the team that worked closely with the State Bank of Pakistan to develop the regulatory framework for licensing of digital banks and is now supporting the Securities on Exchange Commission of Pakistan to develop a regulatory framework for asset fractionalization in the country. Mehr is a Fulbright scholar and holds an MBA in Finance from Syracuse University's Martin J. Whitman School of Management (USA) and a BSc (Hons.) in Economics from the Lahore University of Management Sciences (LUMS), Pakistan. Mehr has a keen 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

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.

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.

Sharjeel Murtaza

Director, Karandaaz Digital

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.

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.

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, 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

Head of Digital Innovation

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.

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

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.

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

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, Admin 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.

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

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, 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.

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.

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.

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.

Taimur Sajjad

Senior Analyst, CIC Green

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.

Shahbano Asad

Senior Analyst Innovation

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.

Fatima Aitizaz

Program Analyst

Fatima Aitizaz, prior to joining Karandaaz, worked at S&P Global Inc.’s Market Intelligence Division for three years. She joined S&P Global as a financial journalist for the U.S. Financial Institutions Group, rising up to the position of Associate Industry Expert and covering areas such as regulation, banking sector’s exposure to other industries, mergers and acquisitions, ESG practices among others. Her areas of experience include research, data analysis and writing. Fatima holds a Bachelor’s in Economics from Lahore University of Management Sciences.

Harris Chohan

Principal Green Financing, Karandaaz Capital

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

Executive Procurement

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.

Bilal Nadeem

Senior Analyst Private Equity

Bilal is an investment professional with over 4 years of professional experience in consulting, investment banking, equity research, PE, and VC. Prior to joining Karandaaz, Bilal worked with the Ministry of Finance as an SOE Consultant. He has also worked as part of the investment banking team at Pak China Investment Company Limited (PCICL) and served as a key resource on multiple transactions across a wide variety of sectors.
Bilal is a value investing aficionado and employs time-tested value investing techniques with an aim to generate alpha on his personal investments. He has cleared all levels of the CFA designation and is eligible for the CFA charter. He is also a certified Financial Modeling & Valuation Analyst and holds a Bachelor in Accounting & Finance from NUST.

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.

Mehrunnisa Khan

Senior Analyst Marketing & Communications

Mehrunnisa Khan has over two years of professional experience in communications and has previously served at Total Energies and the Export Import Bank of Pakistan. Mehrunnisa holds a BSc Honors from LUMS and an MSc from SOAS, University of London.

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

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 Credit

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.

Khawaja Shahzad Sadiq

Technical Project Manager

Khawaja Shahzad Sadiq holds more than 14 years of progressive experience in the technology sector working with startups, telcos and fintechs. His core background is software engineering with strong analytical and problem-solving skills. He has a thirst for new technologies, and a drive for maintaining strong communication and interpersonal skills. He is highly motivated and experienced in various programming languages. At Karandaaz Pakistan he brings this along with his strong work ethic and vast experience in technical project management.

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.

Arshad Javed

Deputy Company Secretary & Sr. Manager Legal

Arshad Javed is a legal professional with 15 years of contentious and non-contentious experience under his wing. Prior to joining Karandaaz, he was associated with Ufone Pakistan as a Telecom Regulatory and Corporate Compliance expert. He has also worked at the Competition Commission of Pakistan; Gleiss Lutz Hootz Hirsch, a German firm; Salahuddin Saif & Aslam (Attorneys-at-Law) on a host of high-end projects involving transactional affairs, regulatory clearance, governance, risk mitigation and compliance. As of counsel, he has advised the Association of Certified Chartered Accountants on corporate and business laws of Pakistan. He is an LL.B. graduate of the University of Punjab and was awarded an LL.M from the Max Planck Institute, Munich, Germany.

Arusha Latif

ICF & MEL team as Specialist ICF & Women Ventures

Arusha is a portfolio manager and banking professional with over 5 years of experience. While at PMIC, she spent a lot of time working closely with microfinance banks and institutes for innovative lending solutions. She is very passionate about working towards financial inclusion in Pakistan. She has previously worked at Bank Alfalah in the Business Analytics and Portfolio Management department. Arusha received CFA Institute’s Outstanding Investment Research Award in 2017 and received the President's Gold Medal NUST on graduating top of her class.

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

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.

Saad Malik

MEL Specialist

Saad Malik is an MEL Specialist with over 12 years of experience as a practitioner and researcher. He holds a Master’s in Development Studies from IDS at the University of Sussex, and a B.Sc. (H) from LUMS. He has successfully completed assignments for the majority of donors active in Pakistan and is well versed in all stages of MEL design, assessment, and evaluation within a wide range of subject areas. Saad is a team player who works with diligence and takes pride in his work. He is keen to continually learn new skills and enjoys new challenges.

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

Senior Analyst Green

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.

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