Experience

Pakistan Microfinance Investment Company

• Pakistan
• Financial Services
• 1 - 100 Employee

• SVP / Head of Microfinance Portfolio

  • Dec 2016 - Present

  Leading the department and reporting to the CEO, I lead my team which is responsible for business growth, seek investment opportunities and decide on financing lines for the retail microfinance providers as well as steering them through risks. I am also responsible for the institutional capacity building of borrowing institutions through improvement in their governance, management and controls for effective growth. Some of the achievements are outlined below: i. Established the main business line/products of PMIC since the inception of the company. ii. Serving the microfinance industry including NBMFIs/MFBs/FinTechs, vis financial products. iii. Taking the assets of company from PKR 6 Billion to over PKR30 Billion and building a portfolio of PKR 27 billion with 26 borrowing institutions in 5 years. iv. Member of Management Committee, Risk Committee, ALCO and Health & Safety Committee. v. Mentoring the team for their personal as well as professional development. vi. Representing PMIC at appropriate forums both nationally and internationally. Show less



Pakistan Poverty Alleviation Fund

• Pakistan
• Non-profit Organizations
• 1 - 100 Employee

• General Manager, Microfinance Portfolio Management, Financial Services Group

  • Jul 2007 - Nov 2016

  General Manager/HoD (Jul 2012-Nov 2016)Senior Manager (Jul 2009-June 2012)Manager (Jul 2007-June 2009)Joined PPAF as a Manager and promoted as the departmental head in a few years’ time. I lead the team focused on lending operations, expanding financial services, improving institutional viability, risk management and portfolio quality. Some of the achievements are outlined below:i. Taking the portfolio from PKR 6 billion to PKR 15 billion with focused on adding more organizations.ii. Executed programs with multilateral and bilateral agencies (World Bank and IFAD) and negotiated programs worth USD270 million. All the programs were rated ‘highly satisfactory’. iii. Introduced more than 25 innovative products & delivery mechanisms including value chains, social safety nets for ultra-poor and Women’s Cooperative Livestock Farming (Award winning initiative from IFAD), for impact financing aimed at financial inclusion, income enhancement and women empowerment. Show less

• General Manager - Microfinance

  • Jul 2007 - Nov 2016



ORIX Leasing Pakistan Limited

• Manager - Microfinance Division

  • Feb 2006 - Jun 2007

  ORIX Leasing Pakistan Limited (OLP), the corporate sector, a subsidiary of ORIX Corporation, Japan's leading integrated financial services company spread over 26 countries. OLP, one of the leading leasing companies in Pakistan, with main business activity of financing SMEs and leasing of moveable assets but is equally doing Microfinance. As Manager Micro Finance Division in OLPL in Lahore, Mr. Memon supervised the operations of the microfinance division. Besides being the supervision of the entire branch network and the microcredit program. Furthermore he was also engaged for providing credit lines to NGO’s across Pakistan for Microcredit and Micro leasing lending operations. The main responsibilities were to; i) Supervise the MF branches in Punjab and KPK for Microcredit and Micro Leasing. ii) Expansion of MF program both in Punjab and Sindh iii) Conduct research and innovative product development (Micro Cards). iv) Business Planning and Financial Management of the division. v) Negotiate and deal with donors for on-going and future projects. vi) Writing reports and knowledge sharing for internal and external use. vii) Build capacity and training for staff members. Show less



SAFWCO

• Belgium
• Software Development

• Head - Economic Development Sector

  • Feb 2001 - Feb 2006

  SAFWCO is a NGO working in the development sector of Pakistan for socio economic empowerment of the vulnerable communities. It is working on social and economic development activities for poor segment in rural Sindh. As Program Head, Economic Development Sector SAFWCO, he was responsible for managing the provision of financial services to poor clients and their economic empowerment and enterprise development. He was leading a team of more than 75 professional staff members. The main responsibilities were to: i) Provide leadership to the Economic Development Sector in the organization. ii) Design, Implement (Operations) and Management of the Microfinance Program. iii) Financial Management, Budgeting and business planning of the sector. iv) Expansion of MF program and research for new innovative products and areas. v) Negotiate and dealing with donors for on-going and future projects. vi) Writing reports internally and externally. vii) Build capacity and train the staff members and other NGO’s. Show less



International Water Management Institute (IWMI)

• Sri Lanka
• Research Services
• 300 - 400 Employee

• Research Engineer

  • Jul 1995 - Dec 2000

  International Water Management Institute (IWMI) is one of 15 international research centers supported by the network of 60 governments, private foundations and international organizations collectively known as the Consultative Group on International Agricultural Research (CGIAR). It has offices in 12 countries across Asia and Africa. As the first professional job he was associated with the multinational organization “International Water Management Institute (IWMI)” and performed his duties as an active team member at Mirpurkhas, Hyderabad and Lahore offices. For most of the time at IWMI he performed in an action research project “Farmers Managed Irrigation System”; aimed for the institutional development in irrigation sector of Pakistan; later on; turned as ‘Sindh Irrigation & Drainage Authority’ (SIDA) and PIDA in Punjab. Show less