Our Team

Zine el Abidine Otmani - CEO

Mr. Zine El Abidine Otmani has fourteen years of professional experience, nine of which spent working in the microfinance sector, with the Moroccan institution FONDEP Micro-Credit and, since September 2011 with Horus. 


After obtaining a diploma in Finance from HEM School of Management in 2001, he worked as an external auditor for Ernst and Young before joining the French company Mediaco to undertake responsibilities of Deputy CFO. Zine joined the FONDEP Micro Credit in 2004 to manage the Credit Department. He was promoted to Deputy CEO of the institution in January 2005 and as its CEO in 2006. He left FONDEP to join Horus in September 2011 and become MD of Advans affiliate in Nigeria. In July 2016, he took the assignment of Chief Executive Officer for Advans Pakistan Microfinance Bank.

Vahid Najafzade - COO

Mr. Vahid Najafzade- Chief Operations Officer, has started his career as loan officer in 2002. During his 14 years of professional banking experience he managed micro, sme and financial services departments. Later as executive director for operations and consultant specializing in retail banking, microfinance and agricultural finance, Vahid had carried out different business projects for micro as well as for non-credit and sme business. He is specialized in business development and structuring and has track record of building and operating complex and large business structures. He has joined Advans Pakistan Micro Finance Bank in July 2016.


During his 14 years of professional banking experience he managed micro, SME and Financial Services departments. Later, as Executive Director for operations and consultant specializing in Retail Banking, Microfinance and Agricultural Finance, Vahid had carried out different business projects for micro as well as for non-credit and SME business.

Shoaib Shamim - CFO and Company Secretary

Mr Shoaib Shamim has over 10 years of extensive experience serving in various sectors. Prior to joining Advans Pakistan, he was associated with Dalda Foods Pvt. Limited as Manager Accounts, BNS Logistics Pvt. Limited as Manager Finance, KASB Bank Limited as Manager Financial Reporting, Shell Gas as Tax & Reporting Manager.


He has completed four years of professional training from Ernst & Young. Mr. Shoaib is a Chartered Accountant and Associate Public Finance Accountant. 

Kashif Aleem Khan - CIO

Mr Kashif Aleem Khan  is an IT Professional (Masters in Software Engineering - SZABIST) with 16 years of experience including 8+ years of broad based management in I.T. operations and services management, I.T. infrastructure design and network Implementation, IT governance and organization development, project management, ERP and banking applications implementations, alternate delivery channels (E–Banking), capital planning and procurement for IT Systems, IT policies and procedures (IS Policy, disaster recovery and BCP), compliance/IS audit, process Improvement, SLA and OLA management, team leadership and people management.


During his career he has been on key positions in IT and before joining Advans Pakistan Microfinance Bank Limited as CIO / Project Manager, he has served as Executive (Section Head IT- Pak Arab Fertilizers Limited), (Head of Infrastructure / Communication & Operations - Fatima Group), Assistant Vice President I.T. (Manager Systems, Projects & Ancillary Systems - at JS Bank Limited), Manager I.T. Division - First Women Bank Limited, Manager Development / I.T. Consultant – Prislogix and System Analyst / Software Engineer.

Zil-ur-Rehman - Head of Administration

Mr Zil ur Rehman is a senior banker having vast work experience in various commercial and corporate banks / financial institutions such as Habib Bank Limited, My Bank Limited, Saudi Pak Commercial Bank, Standard Chartered Bank, American Express Bank, RHDC International, and Banker Equity Ltd. He has worked in projects in Pakistan and USA. Over the last decade, Mr Rehman has been involved particularly in Compliance, Risk and Financial Management.


Previously he was part of the senior management team at Habib Bank Limited in Pakistan as General Manager & Head Centralized Operation Division and responsible for Treasury Operations, FID Operation, Centralized Inward Remittance Department, Nostro Reconciliation, and SWIFT operation. Mr. Rehman was looking after the operations of 30 Corporate & Commercial Centers of HBL. During his service with My Bank Limited as EVP & General Manager he was responsible for managing and looking after seven of its branches. He played an instrumental role in delivering the highest level of customer services by setting enviable operational standards. During his service with Saudi Pak Commercial Bank as SVP and Head of Treasury Operation, he was responsible to manage and supervise overall Treasury operations, operational controls on transactions and procedures, Forex department, money market / equity & fund management department. Prior to that Mr. Rehman was connected with RHDC International – USA, American Express Bank Limited as a Senior Manager & Head of Treasury & Correspondent Banking operation, Standard Chartered Bank as Assistant Manager Trade finance / remittance. He started his career from Banker Equity Ltd.

Mujeeb-ur-Rehman – Head of HR

Mr Mujeeb ur Rehman has previously worked in institutions like Tameer Microfinance Bank & Descon Engineering Ltd. Over the last seven years Mr. Rehman has been involved various HR facets like in talent acquisition & retention, employee relations, policy development and implementation, change management, compensation and benefits,  administration, training and development etc.


In addition to this, he collaborated with senior management to conduct HR strategic planning in order to support corporate goals. As Executive Manager Human Resources at the Tameer Microfinance Bank, Mr Rehman was supporting the Regional Leadership team, and covering approximately 1280 employees, Geographical spread across Punjab and KPK provinces which included 28 Branches and 55 Financial Centers.  The job spectrum covers both Micro Finance Banking as well as the Branchless Banking Division (Easy paisa). Mr Rehman’s assignment at Descon Engineering was local recruitment as per business requirement, Employee documentation and background check, conducting training on soft skills and interview techniques, Building industrial relationships to make sure maximum trainee placement in the industry, conducting trainings on MS Office for physically disabled people under the Corporate Social Responsibility program. Mr Rehman is a Master of Business Administration with Majors in Human Resources from University of Management & Technology.

Fawad Soomro – Head of Sales and Distribution

Mr Soomro is a senior banker having a vast work experience in various commercial and corporate banking and financial institutions like FINCA Microfinance Bank Limited, UBL Omni, Kashf Foundation, Greenstar Social Marketing Pakistan, Adamjee Insurance Company Limited. He has worked in projects in Sukkur, Larkana & Karachi. He has overall experience of over eight years.


Mr Soomro has a diversified experience in various commercial and corporate banking and financial institutions like FINCA Microfinance Bank Limited, UBL Omni, Kashf Foundation, Greenstar Social Marketing Pakistan, Adamjee Insurance Company Limited. He has worked in projects in Sukkur, Larkana & Karachi. He has overall experience of over eight years. Previously he was Zonal Manager – Sukkur Zone at Finca Microfinace Bank Limited and responsible for overall performance of branches & network expansion. At UBL Omni as Area Manager he was responsible, training & coaching, monitoring of different projects disbursement & collection, Liaison with the stakeholders, Monitoring & controlling of the BISP agents, etc. At KASHF Foundation as area manager, he was responsible for liaison with the government and timely reporting to the regional & head office, monitoring the overall performance of branches, monitoring of the field staff and facilitate customers, community mobilization and team building, monitoring of adequate funds disbursal, etc. His major achievement at KASHF Foundation was he was awarded with the Certificate of Appreciation as Area Manager for reducing PAR from 71% to 11.5%.  Prior to that Mr Soomro was connected with Greenstar  Social Marketing Pakistan as Manager Operation and his responsibilities were sales and distribution of company’s products, training  of private medical practitioners  in the field of contraception and child health, managing the financial and administrative function of the zonal operations, providing  leadership  to the zonal team comprising  of MBBS doctors.  Mr Soomro started his career from Adamjee Insurance as Assistant Manager; his major responsibilities were targeting customers, formulation of the insurance plans, formulation of the proposals and liaison with the customers and regional office.

Syed Abbas Zaidi - Head of Risk & Compliance

Mr. Syed Abbas Zaidi – Head of Risk is an experienced risk management professional having a decade of experience with accountancy firm and banks. He is a Chartered Certified Accountant from ACCA, UK. 


Mr. Zaidi started his career with Advisory Services Division of Ernst & Young Ford Rhodes Sidat Hyder & Co. where as a Senior Consultant, his core responsibilities involved client relationship management, identifying value addition avenues and recommending solutions for garnering benefits as well as ensuring timely completion and submission of key deliverables to the client within agreed deadlines. His major assignments for Financial Services clients included Basel II diagnosis and Implementation, Evaluation of Internal Controls (COSO Framework), Documentation of Policies and Procedures, Statutory Annual and Internal Audits.

Prior to joining Advans Pakistan Microfinance Bank, he worked with Soneri Bank Limited in its Risk Management Department in multiple roles. During the tenor of over 6 years, he was responsible for Management of overall Advances Portfolio on transaction and portfolio basis, implementation and automation of the Credit Risk Rating Systems, Basel II/III Implementation, Automation and Management of Capital Adequacy and Stress Testing Returns, Reporting to the Credit Risk Management and Board Risk Management Committees and Development of Policies and Procedures.

Zubair Hafeez - Head of Audit

Mr. Zubair Hafeez – Head of Internal Audit is finance and audit professional having over 10 years local and international experience in the profession and have successfully managed accounts / finance, taxation and auditing matters of various organizations operating in different industries.


He is a member of ACCA UK which is of one of the largest accountancy body worldwide. Mr. Hafeez spent more than four years with Ernst & Young in the Assurance and Advisory business services division, where he was involved in providing diversified services to clients ranging from assurance and advisory services, statutory annual / internal audits, internal control reviews, interim review engagements and accountancy services. After that he joined Alwardi Group in Kingdom of Bahrain where he led the internal audit department, responsible for conducting risk based audits, reviews, and evaluations of management operational practices and procedures to determine if results are consistent with organizational goals and objectives.