Board of Directors


Rayomond Kotwal

Rayomond Kotwal has over 30 years of experience. He has worked in senior Finance roles with United Bank Limited, NIB Bank Limited, Citibank NA, Citi Cards Canada Inc. and ICI Pakistan Limited. Mr. Kotwal is currently the Chief Financial Officer of Habib Bank Limited. Mr. Kotwal holds a Masters in Business Administration (Finance) from the Institute of Business Administration, Karachi and a BS and MS in Electrical Engineering from the Massachusetts Institute of Technology, Cambridge Massachusetts.  In addition to FMFB, Mr. Kotwal’s current Directorships include: Habib Allied Holding Limited, UK – Director, HBL Bank, UK – Director, HBL Asset Management Limited – Director.

Abrar Ahmed Mir

Director Abrar A. Mir has diversified professional experience of over 23 years with United Bank Limited, National Commercial Bank (Jeddah), Citibank N.A, Cupola Investment Ltd (Dubai), and ICI Pakistan Limited. At United Bank Limited, he was instrumental in conceiving and developing UBL Omni – mobile and branchless banking business, convincing the Government of Pakistan and multiple donor agencies to digitize payments i.e. Flood Relief Program (Watan cards), World Food Program, and Benazir Income Support Program (BISP). Mr. Mir led the Bank to win GSMA Global Mobile Award 2012 for “Best Use of Mobile in Emergency or Humanitarian Situations”, as well as “Best Internet Banking for Consumers – 2014” award by Global Finance. Currently, Mr. Mir is the Chief Innovation & Financial Inclusion Officer at the Habib Bank Limited. He has been a speaker at various international and local forums organized by Bill & Melinda Gates Foundation, GSMA, EBRD, UNDP, FI 2020 by Accion, CGAP, Asobancaria Colombia, DFID, SEEP and State Bank of Pakistan. Mr. Mir holds a Masters in Business Administration from Illinois Institute of Technology, Chicago (USA) and a B.E Electronics Engineering from the College of Electrical and Mechanical Engineering, Pakistan. He has also completed a course in “Strategic Leadership in Inclusive Finance” from the Harvard Business School (USA).

Maya Inayat Ismail

Director Maya I. Ismail has over 16 years of experience in the financial services sector, with Habib Bank Limited, The First MicroFinanceBank Ltd., and Global Securities Pakistan Ltd. Currently Ms. Ismail is the Head of Strategic Investments at Habib Bank Limited (HBL). She has extensive experience in the monitoring of Financial Services institutions, managing strategic partnerships and strategy formulation. Ms. Ismail holds a Bachelor of Arts (Economics and International Relations) from Smith College, Northampton (USA) and is an Accredited Mediator from the Center for Effective Dispute Resolution, UK. Ms. Ismail is Trustee of the Aga Khan Ismailia Charitable Trust and the AAS Trust.

Maria Christine Largey

Director Maria C. Largey has over 15 years of varied experience in the financial sector, with CDC Group Plc, Agora Microfinance Partners LLP, Opportunity International, and J.P Morgan Asset Management. She is currently the Investment Director with the CDC Group Plc, where she is leading CDC’s direct equity investments in financial institutions in Africa and Asia. Ms. Largey’s core competencies include structuring investments and designing and implementing fund raising strategies. MsLargeyholds a Bachelor of Science (Biological Sciences) from the University of California, Santa Barbara (USA). Ms. Largey’s current Directorships include: – Green Shoots Foundation -Chairperson – Advans Group – Chair of Governance Committee – Catalyst Microfinance Investors – Director

Sobia Chughtai

Director Sobia Chughtai is an experienced professional with more than 22 years of experience in the financial sector. She has worked with Habib Bank Limited, Al Faysal Investment Bank Limited and Fauji Fertilizer Company. She has served as the Regional Corporate Banking Head-HBL for 10 years. Currently, Ms. Chughtai is the Senior Credit Officer- Corporate Risk with Habib Bank Limited. Ms. Chughtai holds a Masters in Business Administration from the Lahore University of Management Sciences (Pakistan), and a B.Sc Electrical Engineering from the University of Engineering and Technology, Lahore (Pakistan). She has attended several local and international courses and seminars.

Jesse Culain Fripp

Director Jesse C. Fripp has over 20 years of experience in strategic leadership and governance, financial services delivery, capital strategy and fundraising, and human and organizational development. Currently, Mr.Fripp is the General Manager of the Aga Khan Agency for Microfinance. Past experience includes Enclude Ltd, ShoreBank International, Bearing Point Emerging Markets, and Global Communities/Vitas Finance. Mr. Fripp has built and ledinclusive finance institutions, corporate consulting business lines, commercial microfinance and digital financial services business lines, and multiple merger, acquisition, and business transformation initiatives in more than two dozen emerging markets around the world. Mr. Fripp holds a Masters in Public Management with concentration in International Economic Development from University of Maryland (USA).

Akihiro Takashima

Director Akihiro Takashima is an international development practitioner with nearly 20 years of experience, and has worked for Pakistan for 9 years. He has extensive experiences in formulating and managing economic infrastructure projects. He is now Senior Representative in Pakistan office of JICA (Japan International Cooperation Agency). He holds a bachelor degree in economics from Waseda University in Japan and a master degree in public administration from Harvard University.

Zahir Riaz

Director Zahir Riaz is a Partner at Orr, Dignam & Co. and heads the Firm’s Islamabad office. Mr. Riaz has more than 36 years of experience and specializes in the areas of corporate / commercial Law, mergers & acquisitions, banking & financing, capital markets, construction & infrastructure, privatizations and energy & natural resources. Mr. Riaz continues to act on behalf of leading domestic and multinational organizations and has been consistently ranked by Chambers & Partners and Legal 500 as a leading lawyer of Pakistan. He completed his legal education from the London School of Economics and Political Science and the University of Cambridge (UK), and qualified as a Barrister from Gray’s Inn (UK).