Mr. Navid Goraya is a senior global investment executive with over 30 years of experience in financial services, including more than 15 years in C-suite leadership roles across Pakistan, the GCC, and North America. He currently serves as the Chief Investment Officer at Karandaaz Pakistan, where he manages a PKR 24 billion impact investment portfolio focused on MSME inclusion, private equity, climate finance, and innovative lending. He has a strong track record of building financial institutions and executing complex cross-border and Islamic finance transactions. His previous senior roles include positions at Royal Bank of Scotland (UAE), Qatar National Bank Al-Islami, and HSBC Amanah across multiple regions. Mr. Goraya is known for his board-level expertise in audit, credit, HR, risk, and investment committees, along with extensive regulatory engagement. He currently serves on the boards of Parwaaz Financial Services Limited, NRSP Agriculture Processing Company Limited, Techlogix International Limited, and InfraZamin.