Raqami Islamic Digital Bank to Enable Nationwide Cash Deposits Through 750+ Askari Bank Branches

Samina Malik

CHR & GSSO

At Raqami Islamic Digital Bank, we believe exceptional organizations are built by exceptional people and by creating an environment where they can truly thrive.
For us, it’s not just about hiring talent, it’s about helping people grow, succeed, and experience a genuine sense of purpose in what they do.
We are committed to fostering a workplace where individuals feel valued, empowered, and inspired to excel. Our culture encourages continuous learning, open dialogue, and collaboration, while staying grounded in our principles as a progressive Islamic financial institution.
As a digital-first Islamic bank, agility and innovation are embedded in our DNA. We embrace adaptability and forward-thinking ideas that drive meaningful transformation in the way banking is experienced.
If you are looking for a place where innovation meets purpose, we look forward to welcoming you to Raqami.

Umair Aijaz

Chief Executive Officer

At Raqami Islamic Bank, we are building something truly meaningful: a digital bank rooted in strong Islamic values and designed for a new generation.
What makes this journey special is not only the technology or innovation behind it, but the people who bring it to life every day.
We are a team of curious thinkers, problem-solvers, and purpose-driven individuals who care deeply about making a positive difference. We believe in creating an environment where people can grow, share ideas openly, collaborate with confidence, and take pride in the work they do.
As we continue to shape the future of Islamic digital banking, we are looking for individuals who are eager to learn, ready to challenge the status quo, and passionate about creating meaningful impact for our customers, our communities, and themselves.
If you are looking for more than just a job, and want to be part of building something from the ground up, we would be delighted to have you with us.

Tehmina Rashid Baig

Head of Operational Risk

As Head of Operational Risk, I feel fortunate to work for RIDBL – the organization that genuinely values innovation, diversity and collaboration. As a female leader, I have always felt empowered to contribute ideas, take on new challenges, and make a meaningful impact. The culture of RIDBL is inclusive, supportive and open to different perspectives, making it a great place to learn and contribute. What stands out most is the commitment to developing people, encouraging innovation, building a workplace where talent can truly thrive. It is inspiring for me to be part of a team that is shaping the future while investing in its people.

Ayesha Wasique Hashmi

Assistant Manager Talent Acquisition

Being a part of Raqami Islamic Digital Bank since its early days has been an incredibly rewarding journey. Over the past years, I have had the opportunity to witness and contribute to building the organization from the ground up into what it is today, a forward-thinking, digital-first bank with a strong sense of purpose.
Raqami fosters a truly inclusive and empowering culture where every voice is heard, and contributions are genuinely recognized and appreciated. The environment encourages innovation, collaboration, and continuous learning, providing immense growth, exposure, and opportunities to take ownership.
What makes Raqami stand out is not just its vision, but its people-centric approach where employees are valued, supported, and inspired to bring their best selves to work every day. It has been an amazing experience being part of this journey and contributing to shaping the future of digital banking.

Muhammad Hassaan Zahid

Head Cloud & Infrastructure

Joining Raqami Islamic Digital Bank as EVP – Head of Cloud & Infrastructure has been one of the most rewarding professional experiences of my career.

From the outset, the onboarding journey reflected the organization’s commitment to excellence. The support extended by the HR team, Executive Leadership, and Colleagues across the bank was exceptional, ensuring a seamless transition and enabling me to engage meaningfully from day one. The openness, professionalism, and collaborative spirit demonstrated throughout the process reinforced my confidence that I was joining a truly forward-thinking institution.

What stands out even more is that the experience has continued to exceed expectations well beyond onboarding. Raqami has cultivated a culture where innovation, empowerment, accountability, and purpose-driven leadership are deeply embedded in the way the organization operates. There is a genuine commitment to enabling talent, encouraging new ideas, and creating an environment where individuals and teams can perform at their highest potential.

As someone who has led large-scale technology and infrastructure transformations throughout my career, I have been particularly impressed by the bank’s strategic vision, leadership accessibility, and unwavering focus on building a world-class digital banking ecosystem. The level of alignment between business objectives, technology innovation, and people development is both refreshing and inspiring.

Raqami is not only redefining the future of Islamic digital banking but so also setting a benchmark for how organizations can attract, support, and empower exceptional talent. I am proud to be part of this transformative journey and excited to contribute to the bank’s continued growth, innovation, and success.

Nasir Razak Mahar

Head of Shariah Compliance

My journey at Raqami Islamic Digital Bank has been both purposeful and professionally enriching. With a foundation in Islamic banking and Shariah governance, I find Raqami to be a truly forward-looking institution where innovation and compliance are seamlessly integrated.

The leadership at Raqami provides the opportunity to contribute towards building a digitally enabled, Shariah-compliant banking ecosystem that caters to diverse customer segments. The organization’s commitment to Shariah principles, strong governance frameworks, and customer-centric solutions.

What distinguishes Raqami is its inclusive culture—one that encourages innovation, collaboration, and accountability with zero-tolerance in upholding the highest standards of Shariah compliance. It is an environment where ideas are valued, and individuals are empowered to make a meaningful impact.

I take pride in being part of a team that is not only strengthening the Shariah compliance culture but also shaping the future of Islamic digital banking in Pakistan.

Mohammad Aftab Manzoor

Independent Director

Mohammad Aftab Manzoor is a highly accomplished banking executive with over 35 years of experience, including a decade as CEO/President of leading Pakistani banks. He has successfully led major institutional transformations at MCB Bank, Allied Bank, and Soneri Bank, with expertise in strategic leadership, risk management, technology modernization, regulatory relations, corporate banking, and franchise growth. His career also includes extensive board-level experience across financial institutions, corporate bodies, and public-sector organizations.

Asim Siddiqui

Chief Risk Officer

Asim A. Siddiqui is a senior banking executive and risk management specialist with more than two decades of experience in consumer banking, SME and Digital lending. He has built a distinguished career leading risk strategy, credit policy development, and portfolio management across major financial institutions including Bank Alfalah, Habib Bank Limited (HBL), Standard Chartered Bank, and Qatar Commercial Bank. Throughout his career, he has successfully managed large-scale lending portfolios, implemented advanced credit scoring and analytics frameworks, and strengthened risk governance to support sustainable business growth while maintaining strong asset quality. His leadership has been instrumental in launching digital lending programs, developing SME credit frameworks, and driving data-driven risk decision-making in rapidly evolving banking environments. As Chief Risk Officer at Raqami Bank, he is responsible for shaping the bank’s enterprise risk framework, strengthening risk governance, and enabling innovation in digital banking while ensuring prudent risk management and regulatory compliance.

Profit Share

Jehan Ara

Independent Director

Jehan Ara is a powerhouse in Pakistan’s digital ecosystem, known for championing the youth, innovation and women’s leadership. As Founder & CEO of Katalyst Labs and the former President of P@SHA, she has helped shape the country’s tech landscape through startup acceleration, policy advocacy, and community-building. She created platforms like The Nest I/O and +92Disrupt, empowering young entrepreneurs nationwide, while her board roles—from the PM’s Taskforce for IT & Digital Economy, to global advisory groups and most recently, her appointment to the Board of Governors of IBA—highlight her influence in driving inclusive digital growth and support for Pakistan’s youth. Her decades of impact earned her the Tamgha-e-Imtiaz, recognizing her as a leading voice for entrepreneurial talent and a modern, tech-enabled Pakistan.

Yasser Malik-Sitara-e-Imtiaz

Director

Yasser Malik is a strategic leader in the infrastructure space, financial and venture capital sectors, currently serving as Head of Emerging Markets of Enertech Holding Company KSC. He has been instrumental in developing large-scale energy projects across Pakistan and the Middle East. His previous roles at Bank of America Merrill Lynch, JP Morgan, Eplanet Capital and PWC involved driving investments in high-impact ventures. With a BSc in Economics and Statistics from University College London and a Sitara-i-Imtiaz for his contributions to public-private partnerships, Mr. Malik’s role at Raqami Islamic Digital Bank focuses on leveraging digital innovation to drive sustainable growth.

Nilufer Pereira

Chief Operations Officer

Nilufer Pereira brings over three decades of experience in the banking industry, with a strong background in card operations, digital banking, payments, and branchless banking. She has held senior leadership roles at several of Pakistan’s leading financial institutions, including Bank Alfalah, MCB, Standard Chartered Bank, Union Bank, and American Express.

Her expertise in operational excellence, risk management, and the digital ecosystem has consistently delivered strong, measurable results.

She holds a Bachelor’s degree in Commerce and a Diploma in Computer Science. She has also completed multiple international and local trainings, including AMEX, Visa, and MasterCard chargeback and fraud programs, as well as leadership and operational risk management courses.

Profit Share

Mufti Muhammad Muaz Ashraf

Shariah Board Member

Mufti Muhammad Muaz Ashraf specializes in Islamic banking, jurisprudence, and Halal certification. He is a Certified Shari’ah Advisor & Auditor and has held roles in Shariah advisory and Halal assurance at institutions like Meezan Bank and NIBAF. His contributions extend to developing Shariah-compliant solutions and ensuring Halal integrity across various sectors.

Mufti Azfer Iqbal

Shariah Board Member

Mufti Azfer Iqbal is recognized for his expertise in Islamic finance and Shariah compliance. He has served as a Shariah advisor and compliance manager at various institutions, currently overseeing Shariah compliance at Burque Corporation. Mufti Azfer also engages in teaching and research, contributing as a faculty member and Shariah trainer in multiple educational institutions.

Muhammad Ashja Khan

Resident Shariah Board Member

Muhammad Ashja Khan is a seasoned Shariah scholar with over nine years of experience in Islamic banking and Shariah audit. He has completed specialized religious studies and is a certified Shariah Advisor registered with the SECP. His professional journey includes roles at Faysal Bank and EY Ford Rhodes, focusing on Shariah compliance and advisory services.

Mufti Hassaan Kaleem

Shariah Board Member

Mufti Hassaan Kaleem brings 24 years of experience in Shariah advisory. He holds significant roles as Vice Chairman of the Shariah Board at Dubai Islamic Bank Pakistan and as a member of several Shariah boards, including the Islamic Development Bank. He is actively involved in Shariah consultancy, teaching, and training at institutions like IBA and NIBAF, contributing to the advancement of Islamic finance globally.

Sheikh Dr. Mufti Muhammad Imran Ashraf Usmani

Chairman of Shariah Board

Sheikh Dr. Mufti Muhammad Imran Ashraf Usmani is a leading Islamic scholar with over three decades of experience. He specializes in Islamic Fiqh and holds a Ph.D. in Islamic Finance. Dr. Usmani serves as Vice Chairman of the Shariah Supervisory Board at Meezan Bank and advises several global financial institutions on Shariah compliance and Islamic finance. He also plays a key role in developing Islamic banking products and ensuring Shariah compliance.

Javed Sher Ali

Head of Engineering

Javaid Sher Ali has 20 years of experience in IT operations and project management. He has managed critical financial systems at Bank Alfalah and now leads IT infrastructure and mission-critical projects at Raqami Islamic Digital Bank.

Syed Asghar Hussain

Head of Digital Supply Chain Finance

Asghar Hussain has 19 years of experience in digital banking, MSME finance, and fintech partnerships. He previously led digital lending at Bank Alfalah and now focuses on strategic growth and risk management at Raqami Islamic Digital Bank.

Mehr Shah

Head of Segments and Research

Mehr Shah has 22 years of experience in financial inclusion and SME finance. She previously worked at Karandaaz Pakistan and now drives innovation and research initiatives at Raqami Islamic Digital Bank.

Syed Abid Raza Rizvi

Chief Business Officer

Syed Abid Raza Rizvi is a mobile money expert with 16 years of experience in financial services, particularly in launching Easypaisa. He currently drives product and pricing strategies at Raqami Islamic Digital Bank.

Syed Babar Ahmad

Chief Marketing Officer

Babar Ahmad has 30+ years of experience in various national and international companies. Ranging from Jazz and Warid locally to T-Mobile and Ajilon in the US. He has held many senior level positions, including being the CEO of three startups. He is a dynamic leader with proven track record in both developed and emerging markets, and now leads the Marketing and Communications department at Raqami Islamic Digital Bank.

Muhammad Abeer Khan

Chief Data Science Officer

Muhammad Abeer Khan has extensive experience in leading data science teams to enhance business performance through predictive analytics and machine learning. He previously held roles at 10 Pearls, Afiniti, and Daraz, and currently drives data-driven strategies at Raqami Islamic Digital Bank, focusing on long-term innovation and strategic advantage

Syed Alay Raza Rizvi

Chief Information Security Officer

Syed Alay Raza Rizvi has 25 years of experience in information security and IT assurance. He has worked with leading financial institutions and now ensures IT security and resilience at Raqami Islamic Digital Bank.

Naresh Karia

Chief Compliance Officer

Naresh Karia is a Chartered Accountant with over 20 years of experience in compliance, risk management, and governance. He has held senior roles at Bank Alfalah and Planet N Group and currently ensures regulatory compliance and operational integrity at Raqami Islamic Digital Bank.

Gulzeb Khan

Chief Internal Auditor

Gulzeb Khan is a Chartered Accountant with 23 years of experience in accounting, finance, and auditing. He has held various roles at Citibank and now ensures financial integrity and regulatory compliance at Raqami Islamic Digital Bank.

Samina Malik

Chief Human Resource Officer

Samina Malik is an HR professional with over 20 years of experience in change management, performance management, and HR operations. She has held senior positions at Etihad Airways and Dawood Group and now leads HR strategy at Raqami Islamic Digital Bank, fostering effective HR practices and organizational development.

Nasir Razak Mahar

Head of Shariah Compliance

With over a decade of experience across leading Islamic financial institutions, Nasir Razak brings a unique blend of Shariah expertise, innovation, and strategic leadership to Raqami Islamic Digital Bank. He has played a central role in developing governance frameworks and shaping customer-focused, Shariah-compliant solutions that have served Investment Banking, Corporate, SME, Consumer and Retail clients.

Nasir’s passion lies in bridging the gap between traditional Islamic banking and the rapidly evolving digital financial ecosystem. Under his leadership, the bank continues to strengthen its Shariah compliance culture while fostering innovation and productivity. He is widely regarded for his forward-thinking approach, ethical leadership, and contribution to the advancement of modern Islamic finance in Pakistan

Rukhsana Narejo

Chief Treasury and Alternate Investments

Rukhsana Narejo, CFA, is a senior investment and treasury professional with over 25 years of leadership across commercial banking, asset management, development finance, and digital banking. Currently Chief of Treasury & Alternate Investments at Raqami Islamic Digital Bank, Pakistan’s first Shariah-compliant digital retail bank, she is spearheading the design of a modern treasury architecture rooted in innovation, financial inclusion, and Islamic principles. Rukhsana has held pivotal roles at institutions like Sindh Bank, Asian Development Bank, and NBP Fund Management, where she led multi-billion-rupee portfolios, launched the country’s largest fixed-income fund, and built strategic frameworks for pension fund management. A respected thought leader and board member, she is a vocal advocate for gender diversity, ESG practices, and sustainable finance, with a proven track record of shaping Pakistan’s financial landscape through policy, innovation, and purpose-driven leadership.

Darakhshan Sheikh Vohra

Chief Legal and Company Secretary

Darakhshan Sheikh Vohra is an experienced lawyer specializing in corporate law, Islamic finance, and capital markets. She provides strategic legal and operational guidance at Raqami Islamic Digital Bank.

Muhammad Fahad Asad Khan

Chief Financial Officer

Fahad Asad Khan is a Chartered Accountant with 20 years of experience in Strategic Finance, entity setups, M&A, Banking and Islamic Finance in Pakistan and Europe (Ireland). He has held leadership roles with large banks & F.I. (including Bank Alfalah, BankIslami, Statestreet, Pakistan Microfinance Investment Company) and other large entities. He completed his training with A F Ferguson (PwC) Karachi Office and has also served with KPMG in Ireland.

Syed Mohammad Ali Naqvi

Chief Technology Officer

Syed Mohammad Ali Naqvi has 22 years of experience in spearheading Digital, Technology Led Transformations for Banks, Oil & Gas, Telecoms and other large conglomerates across Middle East & Africa. Extensive experience in Digital Strategy, Data Strategy, Artificial Intelligence, Data & Analytics, Risk Management Solutions, Fraud Management Solutions, Anti Money laundering Solutions, Banking Channel & Platform Management, Technology Architecture, Application Management, ERP Implementations, Business Analysis, Program Management, Delivery Management, Change Management, & Software Development.

Tamim Shabbir

Director

Mr. Tamim Shabbir is a seasoned finance professional with over 25 years of experience in the banking and financial services sector. He currently serves as the Chief Financial Officer and Senior Executive Vice President at Pakistan Kuwait Investment Company (Private) Limited (PKIC). His expertise spans financial management, budgeting, regulatory reporting, taxation, and corporate governance. His career has been defined by a strong focus on strategic financial planning, corporate governance and regulatory reporting. Mr. Shabbir is known for his ability to work closely with business units, enhancing profitability and aligning financial operations with corporate objectives. He also has audit experience with Ernst & Young (UK) and A.F. Ferguson & Co.

Mr. Shabbir has held senior positions at major institutions including Al Baraka Bank, Meezan Bank, and Faysal Bank, and brings deep insight into both domestic and international financial operations. He is a member of several key committees, including the Management Committee, Asset and Liability Committee, and Compliance Committee, contributing to strategic decision-making and financial oversight.

Atif Azim

Independent Director

Atif Azim is a technology entrepreneur and investor with over 20 years of experience across Silicon Valley, the UAE, and Pakistan. He is the CEO of VentureDive and a founding board member of DotZero, Pakistan’s first tech incubator. Mr. Azim’s career highlights include founding Perfigo, a startup acquired by Cisco, where he later served as Vice President of Solutions. He holds a Master’s in Computer Science from Stanford University and a Bachelor’s from Imperial College London. At Raqami Islamic Digital Bank, he is the Chairman of the Board IT Committee and is a key driver of the bank’s digital innovation strategy.

Shahid Sattar

Independent Director

Shahid Sattar is a highly experienced banking executive with a career spanning over 40 years. He served as President & CEO of Samba Bank, where he led a successful turnaround by driving profitability and digital transformation. Mr. Sattar has held senior roles at UBL, NIB Bank, and MCB Bank, where he contributed to operational efficiency and business diversification. With an MBA from the University of Punjab and extensive experience across Pakistan and the Middle East, his focus at Raqami Islamic Digital Bank is on compliance, governance, and fostering innovation. He is currently serving as the Chairman of the Board Audit Committee at Raqami.

Atif Anwer

Director

Atif Anwer is an accomplished financial executive with extensive expertise in treasury operations, risk management, and financial planning. He has held key roles at Pak Kuwait Investment Company as Head of Treasury and at My Bank Ltd. as Vice President. His academic credentials include an MBA in Finance, complemented by specialized training in treasury and risk management. At Raqami Islamic Digital Bank, Mr. Anwer’s insights into liquidity management and adherence to Islamic principles are pivotal in shaping the bank’s financial strategy and ensuring compliance.

Muhammad Farooq Nasim

Director

Muhammad Farooq Nasim has over 25 years of experience in corporate and commercial banking, currently serving as Chief Risk Officer at Pakistan Kuwait Investment Company. He has managed key portfolios at institutions like Habib Bank Limited, overseeing corporate middle-market operations and cash management. Mr. Nasim holds an MBA from Punjab University and has a strong track record in managing debt and equity transactions. His appointment as a director at Raqami Islamic Digital Bank is set to enhance the bank’s growth initiatives and governance structures.

Naeem Abdul Sattar

Director

Naeem Abdul Sattar is a finance and governance specialist with over two decades of experience. As SEVP and Company Secretary at Pakistan Kuwait Investment Company, he has played a crucial role in strategic planning and compliance. His involvement in the incorporation of Raqami Islamic Digital Bank and his oversight of corporate governance are key to the bank’s operational success. A Fellow of the Institute of Cost and Management Accountants of Pakistan, Mr. Sattar also serves on the boards of several companies, contributing his expertise in finance and regulatory matters.

Ariful Islam

Director

Ariful Islam, a seasoned banking professional, brings a wealth of experience from his leadership roles at Meezan Bank Limited, where he served as Deputy CEO and Chief Operating Officer. Under his guidance, Meezan Bank became one of the fastest-growing banks in Pakistan. Prior to Meezan, he held senior positions at Faysal Bank and Muslim Commercial Bank, where he was instrumental in driving profitability and expanding operations. A Fellow Chartered Accountant and ACA, Mr. Islam also serves on several boards, including Honda Atlas Cars Limited, contributing his deep expertise in banking and corporate governance to Raqami Islamic Digital Bank.

Umair Aijaz

Chief Executive Officer

Umair Aijaz, the CEO of Raqami Islamic Digital Bank, is a seasoned financial professional with a background in investment banking and digital transformation. He previously led corporate and investment banking at Pakistan Kuwait Investment Company, where he managed a diverse portfolio and spearheaded key financial initiatives. A Chartered Accountant and Fellow of ACCA, Mr. Aijaz is known for his strategic acumen and ability to drive impactful financial growth. His leadership is pivotal in steering Raqami Islamic Digital Bank towards both financial success and social impact

H.E. Abdullah Al-Mutairi – Sitara-e-Pakistan

Chairman/Director

H.E. Abdullah Al-Mutairi – Sitara-e-Pakistan is the CEO of EnerTech Holding Company, where he leads investments across the oil, gas, water, and clean technology sectors. He has extensive experience in venture capital and private equity, having previously served as an investment manager at NTEC and as an analyst at Kuwait Investment Authority. Mr. Al-Mutairi also serves as Vice Chairman of the Executive Committee and is a founding member of the Kuwait Green Building Council. With an academic background that includes a Master’s in Business Administration from Kuwait University and a Bachelor’s in Civil Engineering from California State University, Long Beach, his strategic vision is vital to the success of Raqami Islamic Digital Bank, where he serves as Chairman.

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Raqami Islamic Digital Bank to Enable Nationwide Cash Deposits Through 750+ Askari Bank Branches

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