Tufail Ahmed, holding an MBA (Finance) from the University of AJ&K and B.Com from the University of Punjab brings over 20 years of microfinance sector experience, having started his career as a Credit Officer at NRSP in October 2004 and subsequently serving as Assistant Manager Portfolio Management at PPAF. He currently serves at Pakistan Microfinance Investment Company (PMIC), where he manages borrower relationships, finalizes credit proposals for new and existing investments, and monitors portfolio performance across team functions. His role also includes conducting institutional ratings, quarterly and annual financial reviews of borrowers. He possesses diverse expertise in both retail microfinance and wholesale lending to microfinance providers.