Management Team



Amir Masood Khan

Chief Executive Officer & President

Amir Masood Khan brings with him over 22 years of extensive experience in consumer and commercial banking with the Standard Chartered Bank, ABN Amro Bank and Royal Bank of Scotland. He has also served as the CEO of Mobilink Microfinance Bank (then Waseela), where he played an instrumental role in setting up the new microfinance bank.He joined FMFB in 2012. Amir holds a Masters in Business Administration from the Institute of Business Administration, Karachi (Pakistan).


Ali Raza Anjum

Chief Operating Officer

Ali Raza Anjum has over 23 years of diversified experience in Risk Management, Compliance, Credit, Internal Audit, Banking Operations and Human Resource functions in leading commercial and microfinance banks at senior management levels. Ali joined the FMFB in 2012. He holds multiple national and international qualifications including FCMA, DAIBP, CIA, CISA, CFE, CRISC, CRMA and a Masters in Public Administration from Quaid-e-Azam University, Islamabad (Pakistan).

Wajid Ali

Head, Human Resources

Wajid Ali has more than 35 years of diversified experience with Pakistan Tobacco Limited (PTC) and Khushhali Bank. He has worked at multiple senior roles in PTC, specifically in the Human Resource department, both at factory locations and the Head Office. His last assignment in PTC was as Area Head of Reward for South Asia Area. Thereafter, Wajid was sent on a secondment to British American Tobacco, Indonesia as HR and Reward Advisor. After almost three decades of serving PTC, Wajid moved to Khushhali Bank as Head-Human Resources and served in the microfinance sector for almost three and half years. Wajid holds a Masters in Economics from University of Peshawar.


Adil Ali Abbasi

Chief Financial Officer

Adil brings with him 14 years of diversified experience of Corporate Governance, Corporate Restructuring, Strategic Planning & Implementation, Financial/Treasury Management, Financial Analysis, Reporting & Tax Planning. His last role was with IGI Financial Services as Chief Financial Officer and Company Secretary. He has also worked with Allmed Group of Companies as Group Financal Controller & Head of Legal for three years and was earlier associated with A.F. Ferguson & Co., Chartered Accountants (PwC Pakistan). He is a Chartered Accountant and holds LLB from University of Karachi (Pakistan).

Syed Jalal Shah Ahmed

Chief Information Officer

Jalal brings with him 20 years of diversify technological experience. During his career he has streamlined IT Departments, revamped infrastructure and introduced the latest technologies. Prior to FMFB joining, Jalal worked as Chief Information Officer at Service Sales Corporation for 4 years. He also worked with Warid Telecom for 10 years at various management positions, responsible for providing leadership and strategic planning of security, implementation of business processes, technical controls and deployed security management frameworks. His last role in Warid was Director IT Governance and Security. During his professional career he also worked with Department of National Defence – Canada for 3 years. Jalal holds MBA/MIS Degree from National College of Business Administration and Economics Lahore, Business Information Systems from Algonquin College Ontario. He also holds Certification of Lead Auditor Information Security Management Systems, Microsoft Certified Systems Engineer and Lead Auditor Quality Management System.

Sohail Malik

Chief Digital & Financial Inclusion Officer

Sohail brings with him approximately 2 decades of diversified experience and vast exposure in Digital Financial Services, Branchless Banking & Financial Inclusion areas in leading Commercial, Microfinance Banks and Telecom industries, holding various senior management positions in both industries. He started his professional career with CITI Bank in 1999 and worked with various Pakistani and Multinational telecom companies and banks. His last position was with FINCA Microfinance Bank as Head Digital Financial Services. Sohail is also registered consultant to Pakistan Telecommunication Authority (PTA). Sohail holds a Masters in Business Administration (Marketing) from Preston Institute of Management Sciences & Technologies (PIMSAT).

Mehvish Muneera Ismail

Company Secretary & General Counsel

Mehvish Muneera is a seasoned professional with over 10 years of diversified legal experience, and an expertise in corporate and commercial advisory, including regulatory and legal compliance, corporate governance, company and banking laws. Her career trajectory has exposed her to multiple legal jurisdictions ranging from Qatar, UK, US & Pakistan. Prior to joining FMFB, Mehvish was the Chief Legal Officer at U Microfinance Bank Ltd. She holds a B.A. / LL.B from LUMS, Pakistan and an LL.M from the University of Cambridge, UK, where she was a recipient of the Cambridge Commonwealth Trust Award and the Noon Educational Foundation Award, and was subsequently presented as a Cambridge Pegasus Scholar.

Muhammad Imran Rao

Muhammad Imran Rao

Head, Banking Operations

Muhammad Imran Rao has over 24 years of experience in Banking Operation and Technology, and has worked with leading banks of Pakistan including MCB and Bank of Punjab. His core competencies include management of wholesale and offshore Banking Operations, Credit Operations, Business Continuity Management and Operational Risk. Imran holds a Masters in Business Administration degree from Philippine School of Business Administration, Manila and a B.A from University of Karachi. Imran has completed various local and international certifications on Banking and Management.

Kashif Zafar

Head Product & Communication

Kashif Zafar brings with him more than 27 year experience in SME Lending, Product Development and Project Management. Kashif joined the bank in 2009 as Product Manager. Besides, Product Development, he has led the bank project team as Head PMO for transformation from indigenous distributed banking system to centralized core banking solution. He has also been playing leading role for digital projects as Head DFI Strategy. Currently he is looking after Product Management & Research Department in addition to Communications Department. Other than having MBA (Finance) degree, Kashif is also Associate Member of Institute of Bankers in Pakistan.

Zehra Khalikdina

Zehra Khalikdina

Head, Risk Management

Zehra has extensive experience of Risk Management spanning over more than 23 years in leading commercial banks of Pakistan. She is a commercial and Shariah compliant banking expert and her core competency includes enterprise-wide risk management. Zehra joined FMFB in 2015. She holds a Masters in Business Administrationfrom Institute of Business Administration, Karachi (Pakistan) and has completed a Banking Diploma from The Institute of Bankers in Pakistan. Zehra also holds various other local and international certifications in Risk Management and Islamic Banking.


Chaudhary Ihsan Mehmood

Head, Compliance

Chaudhry Ihsan Mehmood has been a part of the banking industry for over 13 years, with diversified experience in the field of Risk Management, Banking Operations, Internal Audit, Compliance and Fraud & Forgery with Khushhali Bank and Mobilink Microfinance Banks. His core competencies include Identification & Mitigation of Credit, Operational, Market and Compliance Risk, Fraud and Forgery, Internal Controls, Business Process Re-engineering and prevention of Banking Crisis; as well as designing Management Development Programs. Ihsan joined FMFB in November 2012. He holds a Masters in Business Administration with specialization in Finance from Virtual University (Pakistan), ACMA- Intermediate and Advance Leadership Course from ONG TANG Institute of Leadership, Singapore.

Muhammad Siddique

Head Internal Audit

Muhammad Siddique Ahmed is a seasoned auditor and a fraud examiner with 14+ years of international experience across South Asia, Africa, Latin America and the United States. He has worked for FINCA International as the Regional Auditor where he served in various roles across FINCA’s vast network. He also served with the Big 4- KPMG and a leading telecommunication company. He has designed and implemented global internal audit, risk management and anti-fraud programs and performed complex corporate fraud investigations in several countries. Mr. Ahmed is an Associate Chartered Certified Accountant (ACCA), Certified Fraud Examiner (CFE), Certified Professional Internal Auditor and a Certified Financial Consultant.