Led Pak-Libya Investment Co. (PLHC), Pak-Kuwait Investment Co. (PKIC), and House Building Finance Corporation (HBFC). Also served as Senior Executive at Saudi-Pak Investment Co. (SAPICO).

Played a pivotal role in establishing and operating the Oman Development Bank (ODB), which was instrumental in initiating the Sultanate’s industrialization and economic growth.

Developed Pakistan’s Low-Income Housing Policy, introducing fiscal, regulatory, and financial incentives for housing finance and leading the framework for establishing RERA.

Developed tools like Mortgage-Backed Bonds, Sukuks, and REITs. Contributed to Pakistan’s first Rs. 1 billion Mortgage-Backed Sukuk for HBFC and the first listed Islamic REIT for Dolmen Mall.

Served on Boards of EMRC and PMHC as IFC Nominee Director. Also assisted the World Bank in the feasibility of the Pakistan Mortgage Refinance Company (PMRC).

Over 50 years of experience in housing finance, development banking, industry, and academia, including 30 years in Pakistan’s financial sector and 10+ years with multilateral institutions.

Led restructuring of three financial institutions in Pakistan and one in the Middle East, restoring operational efficiency and financial sustainability through strategic reforms.

Extensive exposure to over 20 countries across Asia-Pacific, MENA, and Africa through assignments on affordable housing, microfinance, and regulatory frameworks.

Well-versed in the socio-economic and business contexts of Asia-Pacific and MENA regions, enabling effective international collaboration and project execution.

Played a key role in establishing major Islamic financial institutions, including Meezan Bank, Al-Meezan Investment Co., and Takaful Pakistan pioneers in Islamic banking, asset management, and insurance.

Served as Founder Chairman of MUFAP and member of IIFA, leading the development of Shariah-compliant mutual funds and strengthening Pakistan’s Islamic finance ecosystem.

Regular contributor to Housing Finance International (HFI), a journal by the International Union of Housing Finance (IUHF), providing insights on housing sector trends in the Asia-Pacific region.

Founded the NPHR, a network of 28 universities promoting housing and construction research while bridging academia and industry collaboration. The platform fosters innovation in sustainable housing materials and technologies through joint research projects and serves as a national think tank providing evidence-based recommendations for advancing Pakistan’s housing sector.

Architect of PTI’s flagship Naya Pakistan Housing Program — a national initiative to build affordable housing across urban, peri-urban, and rural areas. Also serving as Chairman of the Prime Minister’s Housing Task Force for developing policy support measures on both supply and demand sides of affordable housing.

Active advocate for reducing energy poverty among low-income populations by promoting alternative and solar energy solutions. Engaged in project development to expand affordable clean energy access for underserved communities.

Advocates for environmentally friendly renewable energy and promotes awareness on Green Housing, Carbon Footprint Reduction, and the Clean Development Mechanism to encourage sustainable construction practices in Pakistan.

Dedicated over 40 years to serving Persons with Disabilities (PwDs), especially the hearing and visually impaired. Founder and patron of multiple organizations supporting PwDs. Authored the State Policy for Persons with Disabilities for the PTI Government and continues to work with the Government on inclusive initiatives.

Served as Honorary Adviser to the Ministry of Science & Technology, Government of Pakistan, contributing to policy development, innovation promotion, and strategic guidance on national technological initiatives.

Authored numerous articles, papers, and research contributions on Pro-Poor Affordable Housing, Housing Finance, and Alternate Energy Solutions for low-income populations, contributing significantly to policy and academic discourse.

Actively working on water conservation, water recycling, and rainwater harvesting initiatives to promote sustainability and resource efficiency in housing and habitat development projects.

Served as Chairman and MD of HBFC. Initiated Pakistan’s first “Small and Medium Housing (SMH)” finance program targeting low and middle-income groups.

Recovered large amounts of default loans and transformed a massive non-performing loan portfolio into performing assets through aggressive loan recovery programs. The NPLs Ratio improved from 67% to 37% during the period.

HBFC experienced a complete turnaround from an ailing financial institution to a proactive, socially responsible and commercially viable housing finance entity during three-year tenor.

Implemented a comprehensive reforms program covering human resource development, preparation of systems and manuals, computerized the loan origination process, etc. HBFC attained ISO 9001-2000 Certification under his tenure.

Enhanced market image through improved customer service.

Elicited International Finance Corporation’s (IFC) technical support for development of long-term Business Plan, and Capacity Building Program.

Introduced and launched country’s first Securitization of Mortgage-Backed Debt Obligation-MBS (Sukuk or Islamic Bonds).

Also introduced the concept of Pakistan’s first Sharia-compatible REIT (i-REIT).

Instituted a plan for setting up a Social Housing Company to specialize in the development of housing for the low and middle-income groups and a Social Housing Bank to focus on micro-housing finance.