Mr. Yasir Ashfaq is working as Chief Executive Officer of Pakistan Microfinance Investment Company (PMIC). He was previously working as Chief Operating Officer of PMIC since August 2016. Before joining PMIC, he has worked with Pakistan Poverty Alleviation Fund as Group Head, Financial Services Group in a similar role. Yasir has over 20 years of experience in financial sector of the country and has worked at senior management positions in commercial and investment banks. His areas of expertise include designing policy and strategy, corporate finance, portfolio management, treasury, finance and accounts, development finance, corporate finance, risk management, development of institutions and new financial products and approaches of delivery. He is a fellow member of the Institute of Cost & Management Accountants (ICMA) of Pakistan and holds a Master’s Degree in Economics from University of Sydney, Australia.

Saqib Siddiqui serves as the Chief Operating Officer at PMIC, with nearly 20 years of experience in microfinance and poverty reduction across Pakistan. He leads strategic and operational efforts to advance PMIC’s mission of expanding financial inclusion. Saqib has worked extensively on designing and implementing inclusive finance programs, with a focus on rural and underserved communities. His expertise in risk management, institutional development, and operational systems helps strengthen PMIC’s partnerships and ensures effective service delivery across the sector.

Mr. Yasir Masud is a Senior Corporate Legal Professional who brings with him 19+ years of diversified experience especially in Corporate Law and Legal & Corporate Governance. He has worked nationally and internationally in the legal field, in markets including Oil & Energy and Banking. His core competencies include Strategic Legal Counsel, Complex Negotiations, Legal Advisory, Management of the Board of Directors & Corporate Governance. His last role was with The First Micro Finance Bank Ltd. as Company Secretary & General Counsel. Yasir has an LL.B (Hons.) degree from the University of Wolverhampton, Holborn College (London). He is also certified to be an Independent Director having completed the Directors Training Program (DTP) from the Lahore University of Management Sciences (LUMS) and registered in the Independent Directors Databank with the Pakistan Institute of Corporate Governance (PICG).

Mr. Rashid started his career in 2004 with Network Microfinance Bank Limited (Now Apna Microfinance Bank) and then moved to Tameer Bank (Now Telenor Microfinance Bank) in 2005. He joined Pakistan Microfinance Investment Company (PMIC) in 2017 and moved back to Telenor Microfinance Bank in 2019. Rashid’s career spans over 16 years in the Microfinance Industry. His last assignment, before joining PMIC was with Telenor Bank Ltd where he served as Head of Credit Operations. Rashid holds a Bachelors and Masters (commerce) degree from Karachi University Rashid is a seasoned Risk Professional who has diverse experience in the application of Risk Management Practices and Financial Controls.

Zainab Kakar leads PMIC’s People, Communications, and Business Development functions, bringing a cross-functional perspective to the company’s growth and impact. She is responsible for building strategic partnerships, guiding stakeholder engagement, and shaping PMIC’s external communications. Zainab also oversees internal initiatives that support organizational development and align people strategy with PMIC’s broader goals. Her work bridges the internal and external dimensions of PMIC’s mission, helping the organization remain adaptive, inclusive, and forward-looking.

Neelum Aamir is a seasoned professional with over 18 years of diversified experience in financial management, audit, corporate compliance, and regulatory oversight. Her career spans the development sector, corporate entities, and the apex regulatory body, reflecting a well-rounded expertise in both operational and governance domains.

Neelum previously served PMIC as Head of Internal Audit from 2017 to 2021, where she played an instrumental role in establishing the Internal Audit Department and developing its policy framework, strategic roadmap, and audit plan.

Prior to re-joining PMIC as Chief Financial Officer, she serveda at the Securities & Exchange Commission of Pakistan (SECP), where she led regulatory and prudential

Bilal Abdul Razzaq is a Chartered Accountant (CA); having worked in the Audit & Assurance, Risk Management & Corporate Finance division in notable organizations over the past ten years, with the most recent being Askari Bank Limited. At PMIC Bilal aims to understand the unique requirements of the sector, discussing potential strategies, and providing valuable insights to drive business, meanwhile polishing his skillset to excel in the field of Microfinance & Treasury operations.

Asif Rashid is a Fellow Member of both the Institute of Chartered Accountants of Pakistan (ICAP) and Association of Chartered Certified Accountants (ACCA-UK). He brings in over 20 years of diversified audit experience, agile auditing, financial analysis, risk assessment and audit software implementation. His last role was with HBL Micro Finance Bank Limited as Head Retail Audits leading the dynamic branch audit team focusing towards improvement in control environment. Asif aims to utilize his skills to assist PMIC in strengthening the internal control system through effective and efficient internal audit processes.

Mr. Hassan Nawaz is an associate member of Institute of Chartered Accountants of Pakistan having more than 10 years of experience of financial reporting, internal and external audits, financial planning and control.

Prior to joining PMIC, he has working with a specialized financial institution where he was heading the financial reporting department. Moreover, he has done his article ship from EY Ford Rhodes.

Mr. Ali Said has a Masters degree in Commerce (Major in Finance) from University of Peshawar and is Diplomate Associate of the Institute of Bankers Pakistan Ali Said started his career with the Bank of Khyber in January 2000. He has over 19 years of experience in Microfinance, Treasury Operations, Money & Capital Markets, Accounts & Finance and Risk Management. In his current role, Ali Said is responsible for Managing Credit Portfolio of Non-Banking Microfinance Companies and Microfinance Banks, nderwriting and Business Development and strengthening relationships with clients and implementation of business strategies to meet lending goals and objectives of PMIC. .

Ms. Ailya has completed ACCA and started her career with KPMG Taseer Hadi & Co. in January 2008 as an Audit Trainee. Her last assignment before joining PMIC was with Samba Bank Limited as Manager – Operational Risk. As Manager Operational Risk, Ailya is involved in managing operational risk, and market and liquidity risk.

Over my career span of 15+ years, I have developed high performance teams, delivered exceptional customer value, created strong partnerships. I have established the most recognized brands in a competitive market combining traditional and Digital communication.

Fostering growth Marketing techniques, managing and leading partnerships across Government and Corporate sectors solidifying the market leader position in Microfinance inclusion space. I am a person with the ability to deliver challenging tasks and take on projects that have not been done before. While business results are key, I strongly believe in corporate social responsibility and focused on ensuring we target unserved, marginalized segment of the society through the strong Channels and financial streams. This is being recognized globally for driving financial inclusion for unserved.

Being recognized for exceptional leadership and unprecedented results in the most challenging emerging market, I transitioned as a Business professional for Public, Private and Social sector on Digital Marketing, Media Management, Budgeting, Communication Strategies, Marketing, Planning & Forecasting.

Mariam, a CFA Charter Holder, is a highly skilled and experienced professional having worked extensively in the financial sector of Pakistan, in the fields of risk, credit underwriting and portfolio/investment management. Her career spans over ten years in both commercial and microfinance banking setup. Her areas of key expertise are in-depth financial analysis, forecasting, and strategic guidance to support business decision making. Her last role was as AVP Financial Risk at U Microfinance Bank where she served for five years and played a key role in using data analytics to drive informed decision-making and optimize business outcomes. Mariam hopes to use her diverse skillset as an opportunity to develop a mutually beneficial relationship with PMIC and further the companys’ mission

Mr. Tufail Ahmed has a Management Science degree in Finance (MBA & B.Com) from University of AJ&K. At PMIC, Tufail is involved in relationship management with borrowers/partners, finalizing credit proposals of potential and an existing borrowers for new or renewal of Investments, monitoring/supervision of the portfolio within team and cross team function, quarterly & annual financial review of the borrowers. Tufail had started his career in NRSP in October 2004 as Credit Officer & his career spans 15 years spent in the Microfinance sector. His last assignment before joining PMIC was with PPAF where he served as Assistant Manager Portfolio Management. Tufail has diverse experience both in retail microfinance as well as wholesale lending to Microfinance providers.

Mr. Muhammad Faheem Khalid has an MBA degree from FAST School of Management – Islamabad. He is currently working as Manager Sector Development in PMIC. Faheem is involved in designing and deployment of microfinance plus projects and data management. He has worked on different projects pertaining to sectors including Value Chains (Enterprise and Agriculture), Micro Insurance, Digital Finance and Renewable Energy. His career spans over 9 years and has previously worked at Pakistan Poverty Alleviation Fund – PPAF and Publicis Pakistan.

At PPAF he had worked in the Financial Services Group and held the position of Management Executive. He had also worked in the domain of knowledge management and worked as Public Relations executive at Publicis Pakistan, a French multination in communications.

Ms. Afia has a BSC Honors degree in Management Information Systems (MIS) from The London School of Economics and Political Science (LSE) with a Postgraduate degree in Human Resource Management. She is working at PMIC as the Lead Organisation and Talent Development. With over 10 years of experience , Afia has worked with multinational organizations such as VEON, JAZZ (Mobilink), and MOL Oil and Gas Co. Ltd. She excels in talent management, leadership development, and organizational effectiveness, creating and implementing strategies that align with business goals. Afia has developed strong skills in HR, networking, and both written and oral communication.

Mr. Sulman is an ACCA Member. He joined Zarai Taraqiati Bank Ltd in March 2010 and after completing 3 years of training moved to Khushhali Microfinance Bank Ltd in 2014. His career spans over 8 years with most of it spent in the Financial sector. His last assignment, before joining PMIC was with Khushhali Bank Ltd where he served as Executive Fixed Assets and Branchless Banking.

Sulman has diverse experience in the application of International Accounting Standards and well verse experience of implementing ERP (Oracle Financials) . He has good understanding of planning, inception, implementation & control of projects.

Rimsha Taj has joined PMIC as AVP – Research & Reporting. Rimsha holds a degree in Social Development and Policy from Habib University in Karachi. Previously, she served as a Research Associate at the Indus Hospital Research Centre, where she successfully designed and executed multiple surveys aimed at enhancing the effectiveness of various departments at The Indus Hospital (TIH). Rimsha has also contributed her expertise as a Monitoring and Evaluation Officer for the Rural Support Programs Network (RSPN), working on the European Union Funded Program for Improved Nutrition in Sindh and BRACE - a Poverty Graduation Program in Balochistan. In this capacity, she played a key role in developing and implementing Monitoring and Evaluation Frameworks, Quality Assurance and Control Plans, and conducting process monitoring, outcomes, and impact assessments.

Muhammad Rashid has over 9 years of diverse experience in ERP systems, IT infrastructure, digital transformation, software development, and project management. With a proven track record of leading strategic IT functions at Pakistan State Oil (PSO), he is recognized for his expertise in SAP Ariba, SAP Fiori, and QlikSense dashboards. Rashid’s deep understanding of SAP technologies and IT governance positions him to significantly enhance PMIC’s digital ecosystem. His strategic insight and technical leadership are set to play a pivotal role in advancing the organization’s digital transformation journey.

Afnan Iqbal has 12 years of experience in credit risk evaluation, financial statement analysis, and portfolio management within both corporate and financial sectors. He has played a pivotal role at Easy paisa Digital Bank, U Microfinance Bank Limited, and The Pakistan Credit Rating Agency, where he specialized in credit rating proposals, internal audits, and risk assessments. He is a Chartered Accountant (ACCA) and CFA Level 2 candidate.

Khush Bakht has done Bachelor’s in Accounting and Finance from Capital University of Science & Technology (CUST), Islamabad. She has completed her degree in 2021 with distinction being held by scoring CGPA i.e., 3.97.

Khush Bakht gained experience by working as Management Trainee Officer in the Portfolio Management Department at Pakistan Microfinance Investment Company Limited (PMIC). She participated in various events in the university and organized many seminars, conferences and did various projects to enhance her skills. She also worked as FM head at the university. She is volunteering as Event Management Lead in Youth Alumni Group at Helping Hand for Relief and Development (HHRD) since 2020.

Zunaira Akram is Certified Accounting Technician - UK and ACCA finalist (Association Of Certified Charted Accountant) from United Kingdom. An experienced, enthusiastic and dedicated Accounts & Finance professional processing ten Years practical experience in the field of Account & Finance Management. Excellent communication & professional skills with suitable accountancy qualification and team leading qualities enables to deal with present economic & financial environment. Extensive teaching experience in the field of Business Administration, Accounting, Taxation and Audit ensure depth of theoretical knowledge to be applicable in practical life. Zunaira Akram have 7.5 years experience of microfinance industry including of U Microfinance Bank Limited and of Mobilink Microfinance bank Limited. Zunaira Akram  achieved Employee of the department , Star Employee of the year and CEO awards from U Microfinance Bank Limited.

Shariq Baig holds a degree in Master of Economics from the Pakistan Institute of Development Economics (PIDE), Islamabad. His career spans over more than 7 years, working with various organizations including Fintech, Development Finance Institution (DFI) and International Non-Governmental Organization (INGO).

Shariq’s experience has equipped him with exposure to navigate the landscape of regulatory frameworks and emphasizing the critical balance between regulatory adherence and operational efficiency.

Irfan Shah is MCS and MBA (ITM) Degree holder from Arid Agriculture University rawalpindi & International Islamic University Islamabad, respectively; having worked in the PTCL, NCHD and Express Group of Media, in IT Department for more then 16 years, with the most recent experience of associated with the PMIC for over 5 years in the capacity of Manager IT (Outsourced Employee). As the newest member of the team, he is thrilled to collaborate with you on all existing & upcoming projects/initiatives.

With this opportunity at PMIC he aims to understand the unique requirements of the sector, discussing potential strategies, and providing valuable insights to drive business, meanwhile polishing his skillset to excel in the field of IT operations.

Irfan Shah is an advocate for sports in all forms, especially Football and Cricket; and is dedicated to fostering a productive and healthy work relationship with all.

Sharjeel Ahmed is a seasoned Internal Auditor with over 9 years of experience in financial and operational audits, e-audit implementation, and data analytics. He possesses strong expertise in system-based auditing, risk assessment, and regulatory compliance. Proficient in tools such as MS Power BI and Excel, Sharjeel has played a key role in audit transformations, including the adoption of continuous audit processes and e-audit platforms.

Adeel Shahzad Qureshi is a procurement and administrative professional with over a decade of diverse industry experience. Adeel brings deep expertise in strategic sourcing, vendor management, contract negotiation, logistics planning, and facility oversight. Adeel has held key procurement roles at prominent organizations including 10Pearls, Sense Communications, Trillium Pakistan, Mobiserve Pakistan, and Netkom Technologies. He holds an MBA from the University of Sargodha and continues to upskill through certifications in Data Analytics (in progress), PMP training, and leadership development. Adeel is passionate about building efficient procurement ecosystems that align closely with business goals and deliver sustained value.

Sumaira Imdad is a seasoned Corporate and Tax Lawyer with expertise in legal consultancy, contract drafting, regulatory compliance, and litigation support. She holds an LLM from Bahria University and is a licensed advocate, having worked with prominent law firms and corporate entities.

Chaudhry Muhammad Qaiser joined PMIC with professional experience on his credit of more than 19 years in IT, HR, Administrative Operations and Top Management Support. His educational background includes Bachelors in Computer Sciences and MBA in HR with A grade. He joined the educational industry in 2003 and later the advertising industry in 2007. He worked there on various positions till 2022. Qaiser also worked with ONE Constitution Avenue as Top Management Executive Support where he managed their entire residential facilities with excellence before joining PMIC to diversify his experience even more in the financial sector.

Ahmed Sarfraz holds M.Sc Degree in Finance and Investment from the University of West England, Bristol. He joined PMIC as an MTO- Risk and Compliance. He has been promoted to Assistant Manager Credit Administration. Ahmed has interned at Karandaaz in the Finance and Accounts Department and gained experience regarding  operational and financial activities.

Zarak is currently enrolled in the M.Phil. Econometrics Program. He will be completing his degree this September. He is currently attending the Pakistan Institute of Development Economics.

Zarak has accumulated more than five years of experience in various roles and capacities in different sectors. He hopes to use this opportunity to gain experience and learn more about the microfinance sector and the necessary work PMIC does.

Faizan Ul Haq Siddiqui holds a degree in Accounting and Finance from National University of Computer and Emerging Sciences graduating top 10 in his class and is an ACCA Finalist.

Previously, he has trained in Security and Exchange Commission of Pakistan (SECP) and Telenor. Having experience with multiple organizations hopes to bring a positive impact in PMIC. In his university Faizan was Sports director, Finance Secretary and led multiple teams in and outside his university. Faizan aims to understand the microfinance sector and catalyze positive change for PMIC. Ability to exchange ideas and provide valuable insights to polish connections with stakeholders and paving way for increased investments and strategic partnerships.

Hassan is a CA Finalist currently serving as Assistant Manager Financial Reporting at PMIC. With over 3.5 years of experience in Audit and Assurance at Nexia International (RACO), one of the world's top audit firms, Hassan has gained valuable expertise in managing diverse client portfolios. In his previous role as an Audit Associate at Nexia International, he oversaw the entire audit process from planning to execution across various industries, demonstrating his strong grip of Accounting and Auditing standards.

Hassan was awarded a Talent Scholarship by the Institute of Chartered Accountants of Pakistan (ICAP). Additionally, he received a Gold Medal and Merit Certificate from the Government of Pakistan during his high school studies.

Dur e Najaf is a CA Finalist from Institute of Chartered Accountants of Pakistan (ICAP). Previosuly, she worked as a Senior Audit Associate at BDO Ebrahim and Co. Chartered Accountants and gained an experience of 4 years working as an external auditor.

Maliha holds a bachelor’s degree in accounting & finance from Bahria University, Islamabad, and stepped into the corporate world as a Management Trainee at Askari Bank Limited's Corporate & Investment Banking Group. There she garnered 1.5 years of experience as a Relationship Associate, supported by various internships.

Ahmed Started his career with Askari Bank Limited as a Management Trainee & worked as Business Strategy & Support Officer for the Group Head - Corporate & Investment Banking. Ahmed holds a bachelor’s degree in economics from the National University of Science & Technology (NUST).

Nabeera holds a bachelor’s degree in business administration with Finance specialization from Air University, Islamabad and completed her degree in 2023. She joined PMIC as Management Trainee Officer (MTO) and is now being promoted to Assistant Manager in Risk and Compliance department. Along with her studies, she previously worked as a Finance Executive in Switch Communication for a year, supported by an internship.

Throughout her academic and professional journey, Nabeera has gained valuable experience and a robust work ethic while participating in international events and contributing to various organizations including, Fauji Fertilizers Company Limited (FFCL), Air University, Dar e Insaniyat and Startups. She is eager to learn more about Micro-finance sector and bring positive impact to PMIC.

Sherjan is an Accounting & Finance graduate from NUST Business School as well as an ACCA finalist. Previously, Sherjan worked at HBL Microfinance Bank which gave him exposure of the Pakistani microfinance industry. He supports PMIC’s operational functions to minimize organizational risk and improve the controls in place.

Muhammad Sulaiman is an Accounting and Finance graduate from the National University of Computer and Emerging Sciences, and is now working at PMIC as Assistant Manager Corporate Finance and Investment Banking. Previously, Sulaiman worked at Huawei Pakistan as an intern. With a strong work ethic and a desire to learn, he is eager to apply his skills to contribute to the company’s growth and development.

Zarak brings a solid academic background in Accounting and Finance. Has a Bachelor's degree from NUST Business School. He has gained practical exposure through internships and roles at organizations such as CMPAK Zong and Askari Corporate and Investment Banking Group.

Aisha Qaisar holds a Master’s degree in Banking & Finance from IBA and a Gold Medal in her undergraduate studies from Karachi University. She has worked as Finance Manager at VideozLab, Compliance Officer at Pak Brunei Investment Company, and intern at SUPARCO. Her experience spans financial analysis, reporting, compliance, and research. She is particularly interested in financial inclusion and innovative banking solutions and looks forward to applying her skills to support sustainable growth at PMIC.