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Mr. Mudassir H. Khan is the MD/CEO of Pakistan Mortgage Refinance Company. Mr. Khan holds an Executive Masters in Business Administration from Stern School of Business, New York, USA and a Masters in Finance from St. John’s University, New York, USA. With over 28 years of diversified banking experience primarily covering Retail, Corporate & Investment Banking, Operations, Risk and Development Banking. Before joining PMRC, Mr. Khan worked with National Bank of Pakistan for four years as SEVP/Group Chief Retail & Commercial Banking and as Group Chief Payments & Digital Banking. Prior to that, he was with HBL for nine years, holding different portfolios as SEVP Group Head Global Operations, CIO, CCO and Head of Basel and Operational Risk. He also worked with the World Bank for more than fourteen years in the area of Financial Sector and Private Sector Development, South Asia Region, based in Pakistan and also worked in Afghanistan, Bangladesh, Nepal, Maldives; as well as in the Africa Region in Ghana, Uganda, Kenya and Sierra Leone. Before joining the World Bank, he worked in the field of Corporate and Investment Banking with Citibank, N.A and Bear Stearns in Pakistan and in USA. Mr. Khan has been the Chairman of NBP Fullerton Asset Management (NAFA) and of First Women Bank Limited (FWBL). He was also on the Board of Directors for National Institute of Financial Transactions (NIFT); ISM and FWBL and was the Chairman Audit Committee & Risk Management Committee for FWBL and member HR and Compensation Committees for NIFT.
Mr. Omair is the Chief Financial Officer and Group Head Operations. He joined PMRC with 23 years of experience out of which more than 13 years with HBL. He worked in different positions in HBL including Head Islamic Compliance and Finance and Financial Controller of the Bank. During this period, he worked on various assignments relating to process reengineering, automation, system implementation, IPO, acquisitions and mergers in addition to financial reporting and budgeting. Prior to joining HBL, he also served as Assistant General Manager in internal audit department of Central Depository Company and Assurance as well as Taxation departments of A.F. Ferguson & Co. member firm of Pricewaterhouse Coopers in Pakistan He is a chartered accountant by profession and fellow member of the institute of chartered accountant of Pakistan. He completed his articleship in 1996 from A.F. Ferguson & Co. He obtained certifications in the fields of Islamic Finance, Internal Audit and Information System audit from National Institute of Banking of Finance (NIBAF) Pakistan, Institute of Internal Auditors (IIA), USA and ISACA, USA. He attended various trainings and seminars including trainings on Asset Liability Management, Controlling and Reporting and Bank valuations in Singapore, Amsterdam and Prague.
A Fellow Chartered Accountant, member ICAP and a Fulbright Scholar (Hubert H Humphrey Fellow) to Boston University Graduate School of Management. More than twenty years of professional experience at strategic positions within the global banking and corporate sectors, audit/financial services, tax planning & advisory. A qualified CA from Deloitte & Touché Pakistan office, Rashid has vast experience working locally and internationally and before joining PMRC, he was working as Group CFO, MCR (Pvt.) Ltd sole franchisees of Pizza Hut, Burger King and TGIF in Pakistan. Rashid has worked as Deputy Head of Audit and Compliance Head of Bank Alfalah Limited and VP & Head of Audit, Deutsche Bank AG- Pakistan. He has conducted numerous training courses and has also spoken to State Bank of Pakistan’s organized seminar for SAARC central bankers.
Mr. Khan is a CFA Charterholder and holds Bachelor of Engineering (Electrical) from NED University of Engineering & Technology and MBA from Institute of Business Administration (IBA) Karachi. He carries more than 17 years of Investment Banking experience including Project Finance, Debt & Equity Advisory and Private Equity Investments. Prior to joining PMRC, Mr. Khan was Head of Investment Banking at JS Global Capital.
Mr. Farrukh Zaheer is the Head of Treasury & FI. Mr. Zaheer holds an Master in Business Administration in Banking & Finance from Institute of Business Management. Mr. Zaheer carries 10 years of diversified experience in Global Markets, Treasury, Commercial Banking and Trade. Mr. Zaheer joined Pakistan Mortgage Refinance Company as Head of Capital Markets within Treasury & FI in 2019. Mr. Zaheer led the issuance of first ever privately placed bond for PMRC in 2020. Prior to joining PMRC, Mr. Zaheer was associated with Citi Bank Pakistan as the Head of Trade within the Treasury & Trade Solutions segment. Former to this role, Mr. Zaheer was associated with Standard Chartered Bank for 7 years in Treasury & Commercial Banking, He also led the treasury sales desk in NIB Bank Pakistan and was a leading member of the team which was awarded the No.1 Primary Dealer status by State Bank of Pakistan.
Mr. Malik Mansoor Ali has joined Pakistan Mortgage Refinance Company as Head of Risk Management. He brings with him experience of around 18 years primarily in the area of Risk Management with some of the reputable financial institutions in Pakistan mainly banks, DFIs and Asset Management Companies. In the past he worked with Alfalah GHP Investment Management Limited, Faysal Asset Management Limited, Faysal Bank Limited, Pakistan Kuwait Investment Company, National Bank of Pakistan, Pakistan Industrial Credit & Investment Corporation (PICIC) and The Aga Khan University Hospital. Within Risk Management he carries experience of working in Credit Risk, Market Risk, Liquidity Risk, Corporate Credit Approval, Basel – II & Capital Management. He is an MBA of Institute of Business Administration (IBA) Karachi.
Mr. Naved Hanif has joined Pakistan Mortgage Refinance Company (PMRC) as Company Secretary. He has over 20 years of working experience with over 12 years of experience in Asset Management Industry. Prior to joining PMRC, Mr. Hanif was Chief Financial Officer and Company Secretary at Faysal Asset Management Limited (FAML). During his stint with FAML, he remained actively involved in Company’s Corporate Governance, Corporate Secretarial matters, management of the Finance and Funds’ Operations and Settlement functions, setting financial strategy, budgeting and forecasting, and providing the financial input to the overall management of the Company. Mr. Hanif holds MBA Degree in Finance.
Zahid Hussain Gokal is Head of Compliance of Pakistan Mortgage Refinance Company Ltd (PMRC). He holds master’s degree in Business Administration, as well as a master’s in Economics. He is also a certified Project Management Professional from PMI, USA. He has more than 13 years of Banking Experience and has been associated with NBP, HBL and Askari Bank Ltd. His Last assignment was with NBP where he worked as Head Regulatory Compliance and specially looked after Compliance reviews along with designing and implementation of Compliance Risk Strategy, Compliance Policy and Compliance Program. His key areas of expertise include; Compliance Risk Management, Policies Design & Management, ICFR, Operational Risk Management, Internal Controls/COSO Framework, Project Management, Process Improvement and Credit Risk Management.
Ms. Murtaza, Head of Human resources and Administration,holds a MBA Degree in Human Resource Management and has over ten years of experience in the field of HR. Prior joining to PMRC, she was incharge of HR Department in PAIR Investment Company Limited. Her experience includes strategic planning, general and technical project management, talent acquisition and management, training and development, motivating teams to reach for their best and following through to ensure success.
Farheen Amjad is affiliated with Institute of Chartered Accountants of Pakistan and has spent more than a decade in various Finance, Planning, Company Secretarial and Audit functions. Farheen started her career as an auditor in 2003 with KPMG and served as a member of several statutory audit teams such as Bank AlHabib Limited, Bank Alfalah Limited, Deutsche Bank, First Dawood Investment Limited, Fecto Cement Limited, Merck Marker Pharmaceutical Ltd. e.t.c. Farheen made a career move in 2007 by joining Hellmann Worldwide Logistics (Pvt) Limited, a Germany Based Multinational Logistics Company as Chief Financial Officer. Farheen was also appointed the first Company Secretary of Hellmann Worldwide Logistics (Pvt.) Limited. Subsequently in 2013, Farheen joined the banking industry and headed the Budgeting, Planning and ICFR unit of First Women Bank Limited for a period of more than 7 years where her most notable contribution was revamping of the staff retirement benefit plan of the Bank in the best interest of both the employer and the employees. Currently, Farheen is affiliated with Pakistan Mortgage Refinance Company Limited since 2019 as Head of Finance-Vice President and is managing the Finance Department.