Mr. Mudassir H. Khan
Managing Director/Chief Executive Officer

Mr. Mudassir H. Khan is the MD/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. 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. Zulfiqar Alam, FCA 
Group Head Business and Products 
Mr. Alam is the Group Head Business and Products of PMRC. He has over twenty years of working experience in different sectors of the economy. His core expertise besides financial reporting includes business valuations, acquisitions, due diligence, corporate restructuring, financial modelling and taxation. He also has hands-on experience in management and business leadership.
Before joining PMRC, Mr. Alam was the Head of Investment Banking and Strategic Planning in Pak Iran (PAIR) Investment Company since 2009.  Prior to Pak Iran, Mr. Alam worked with Alpha Beta Capital Markets (Alpha Beta), a corporate brokerage house, as CFO. Prior to Alpha Beta Capital Markets, he was associated with Pakistan’s First Venture Capital Company “TMT Ventures Limited” as CFO. Before joining TMT Ventures, he was working as Manager local associate of Deloitte &Touche (D&T) in Pakistan where Mr. Alam managed various financial advisory, due diligence, audit and assurance assignments.
Mr. Alam is a Fellow Member of the Institute of Chartered Accountants of Pakistan and Member of Pakistan Institute of Corporate Governance.

Mr. M. Omair Y. Farooqi
Chief Financial Officer and Group Head Operations
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. Shah M. Azim Azmi
Head of Treasury & Marketing
Mr. Shah M. Azim Azmi has more than 17 years of experience as Head Treasury in different banks and financial institutions. Prior to joining PMRC, he worked as Head International Treasuries in MCB. His previous employers include NIB Bank, Pak-Oman Investment Company, Standard Chartered Bank, and PICIC Commercial Bank. Mr. Azmi holds an LLB degree.
He has also been associated with PICIC AMC and Pakistan Textile Association as their Board Member and as President at Financial Market Association of Pakistan.

Mr. Rashid Masood Alam
Head of Internal Audit
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 PizzaHut, 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. Naved Hanif 
Company Secretary
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.

Mr. Jamil Akhtar 
Head of Operations
Mr. Akhtar, Head of Operations has over twenty years of experience in consumer banking. Before joining PMRC, he was working for First Woman Bank Limited as Head Consumer Risk Management. He started his career from Citibank Pakistan and worked for Union Bank, KASB Bank, National Bank and Burj Bank. He is well experienced in housing finance (both conventional and Islamic). He has developed product programs and formulated credit policies for secured and unsecured consumer products. He has managed and set up underwriting unit and risk acceptance criteria at different banks. He has also developed processes and SOPs for various functions of credit and risk management. Furthermore, he has performed and managed cycles of consumer business from loan origination to risk management.
Mr. Badar Munir
Head of Information Technology
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.
Ms. Anam Murtaza
Head of Human Resource and Administration
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. 

Mr. Malik Mansoor Ali
Head of Risk

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. Shayaan Afsar
Head of Legal & Compliance

Mr. Shayaan Afsar is a Solicitor of the Senior Courts of England and Wales (non-practising). He has over 8 years' experience with top-tier law firms in England and Pakistan as well as with pioneering financial institutions. Prior to PMRC, he worked at Clifford Chance London, Haidermota & Co and Telenor Microfinance Bank. He has previously been recognised by the prestigious Legal 500 directory during his tenure at Haidermota & Co.
Mr. Afsar holds an LLB (hons) from the London School of Economics and Political Science (LSE) and a Postgraduate Diploma in Legal Practice from the University of Law, UK.”

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