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 Advans. 

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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.

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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.

Mr Awais Masood - CFO

Mr. Awais Masood has over 12 years of experience and have worked extensively in the areas of Business Risk Assessment and Assurance (Internal Auditing), Accounting and Financial Management, Business cycle controller in diverse corporate working environments. He is a fellow member of Association of Chartered Certified Accountants (ACCA – UK) and CFA level 3 candidate. 

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He started his career at The House of Habib (HOH) where his primary responsibility was managing the internal audit function of the Group. In his position, as Deputy Manager (Internal Audit) he was able to develop comprehensive procedures relating to Control Management. He has also worked as Business Controller in MAF Hyper Market Pakistan (Pvt.) Ltd (Carrefour Group). He has been associated with Pak Oman Asset Management Company Limited for more than 9 years. He served on various position in Pak Oman which includes Head of Internal Audit, Chief Operating Officer, Chief Financial Officer and Company Secretary.

Mr Adnan Amin - Head of HR

Mr. Amin has completed his M.Phil in Business Management from Institute of Business Management, Karachi (IoBM), and also a Certified Professional (CP) and member of Society for Human Resources (SHRM) USA.

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He has over 13 years of prior HR experience before joining Advans Pakistan. His career is composed of diversified experience in areas of Human resources, which includes Talent Management, HR Strategy & Policy, performance management, HR Service delivery, payroll, compensation & benefits. He served in top tier banks of Pakistan namely Bank Alfalah, Meezan Bank, Bank Islami Pakistan and his last assignments were with Faysal Bank Limited.

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.

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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. 

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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.

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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.

Mr Ahmed Shaheryar Khan, Chief Information Officer

Mr Shaheryar has over 11 years of banking & FinTech experience with banking sector in Pakistan. He has worked in various functions and spent considerable time in branchless banking, Allied Systems and Digital banking. 

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Ahmed Shaheryar holds a bachelor of computer science degree from University of Huddersfield. He started his career with Citi Bank Pakistan and then moved to Faysal Bank; he has served in leading Commercial Banks in Key Positions. Before joining us, Shaheryar worked for JS Bank as Head of Branchless Banking Department.