Mr. Mudassir H. Khan is the Managing Director/CEO of Pakistan Mortgage Refinance Company Mr. Khan holds an Executive Masters in Business Administration (update) from Stern School of Business, New York, USA and a Masters in Finance from St. John’s University, New York, USA. He is also an Electrical Engineer from University of Oklahoma, USA. With over 29 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, 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 had been a speaker at many conferences locally and internationally related to housing finance, banking & digital transformation, banking operations and reforms and risk management. He had also served in many Boards as Director and was the Chairman of NBP Fullerton Asset Management (NAFA) and of First Women Bank Limited (FWBL). He is currently MD/CEO PMRC and member of the Board of Pakistan Microfinance Network as Independent, Non-Executive Director.
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.
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.
Ms. Iffat Hina is a seasoned HR professional with over 20 years of progressive experience in Banking and Financial sector. She brings in an in-depth expertise in transforming organizational culture and successfully carried out structural reforms in a multinational/multicultural environment. Her core strengths include but not limited to HR Strategy and Policy Making, Talent Acquisition & Management, Reward & Retention and Capacity Building. Ms. Hina started her career with NIB Bank where she was instrumental in setting up and spearheading the Talent Acquisition and Management Unit. She has also worked at ORIX Leasing Pakistan and led the Human Resource Function. Prior joining PMRC, Ms. Hina worked as Head of HR at Pak Oman Microfinance Bank Limited. She has attended numerous trainings along with the exposure visits at LOLC Group, largest conglomerate in Sri Lanka.
Ms. Iffat Hina holds Master’s and Bachelor’s (Hons) degrees in Business Administration.
Mr. Waseem Ahmed Hashmi is a Fellow Chartered Accountant (FCA) from the Institute of Chartered Accountants of Pakistan (ICAP) and also holds degrees in Islamic Banking and Law. He is also a Certified Anti-Money Laundering Specialist. Mr. Waseem brings with him 25 years of experience in the field of Internal and external audit including 8 years as a Group Internal Auditor of ABN AMRO /Royal Bank of Scotland (RBS), where he was instrumental in conducting various audits within and outside Pakistan. He has also served EY Pakistan, Faysal Bank and HBL. During his professional career, Mr. Hashmi played a pivotal role in developing and implementing the risk-based audits. While heading the Shari’ah audit function at Faysal Bank, he had conducted various sensitive investigations and recommended various mitigating controls to strengthen the control environment. In his last assignment at HBL as a Head Islamic Audit, he had set up an Internal Islamic Audit & Shari’ah Audit Department within the internal audit function and worked closely with the Islamic Banking Management and Shari’ah Board.
Mr. Hashmi has attended various local and international trainings, courses and seminars on COSO Framework, International Standards on Islamic Banking, Accounting & Auditing standards, Tax Laws and Audit Methodology.
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.
Mr. Hasan Junaid Nasir is a seasoned banker with more than 20 years of experience with Local and Multinational banks. He has served Ihdinaa Pvt. Ltd, Ahlibank Oman, Faysal Bank Ltd, National Bank of Pakistan, Bank Alfalah and IDBP where he has worked at various positions in the field of Branch Banking, Financial Control, Treasury, Shariah Structuring, Advisory Services, Product Development as well as Consumer Finance.
Mr. Nasir, while working as a Head of Islamic Banking for Faysal Bank and Head of Product Development at Ahlibank Oman, brought many significant reforms in propelling the business at both the entities.
Mr. Hasan Junaid Nasir is a MBA and BBA from Institute of Business Management. He is also a Fellow Member of Association of Certified Chartered Accountants FCCA (UK) and attained a Post Graduate Diploma in Islamic Banking.
Mr. Munir, Head of Information Technology, completed his Bachelor of Information Technology from Staffordshire University, UK and has over fourteen years of experience in the field of Information Technology. His exposure comprises overall IT Infrastructure Deployment, Procurement, Budgeting, LAN / WAN implementations, Network and Data Security, Voice over IP, study and analysis of Business Application software and designing of Policies and Procedures related to Information Technology Department. Prior to joining PMRC, he worked for ORIX Modaraba (formerly Standard Chartered Modaraba), PAΪR Investment, Albaraka Bank and Emirates Global Islamic Bank.
Mr. Hanfi is a lawyer and an advocate of the High Courts in Pakistan and handles all regulatory and legal matters, which includes drafting refinance agreements and rendering advise on routine legal matters involving PMRC and its stakeholders. He holds an LLB from University of London International and completed his LLM from the College of William and Mary in USA where he graduated as a valedictorian and top of his class. He has been involved in various leadership roles including the Student Bar Association in USA and Member of the Law Society. Mr. Hanfi specializes in corporate and commercial law and has experience in laws involving financial institutions and corporations. In addition, his experience includes mergers and acquisitions, conventional and Islamic modes of financing, debt instruments, securities, due diligence and regulatory compliance. Before joining PMRC, Mr. Hanfi had worked with leading law firms in Pakistan.
