Abdullah Al-Mutairi 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.

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

The Risk Management function is headed by Ms. Lubna Tiwana. She is an experienced risk management professional with a strong background in the banking sector, currently serving as the Chief Risk Officer (CRO) at Raqami Islamic Digital Bank Limited. Lubna has over 30 years of experience in the field of banking. She holds a Master’s in Investment Management from Bayes Business School, City University of London with distinction, and a master's in public administration from Quaid-i-Azam University with a Gold Medal. She is also a Britannia Chevening Scholarship holder with Premier Award of being the most outstanding candidate from Pakistan. Throughout her career, she has held senior level roles including Chief Credit Officer and Chief Risk Officer at Askari Bank, National Bank of Pakistan, Khushhali Microfinance Bank, and Standard Chartered Bank Pakistan. Lubna has developed and implemented comprehensive risk management frameworks, with expertise in credit, market, operational, liquidity, and social risks, as well as in digital banking and emerging technologies.

Syed Nadeem Hussain is a pioneering figure in financial inclusion and social impact entrepreneurship. As the founder of Tameer Microfinance Bank and the driving force behind EasyPaisa, he revolutionized financial access in Pakistan. With 26 years at Citibank in senior roles across multiple countries, Mr. Hussain’s expertise spans banking, technology, and venture capital. His leadership at Raqami Islamic Digital Bank is instrumental in guiding the bank’s mission to empower communities through digital Islamic banking solutions.

Yasser Malik is a strategic leader in renewable energy and venture capital, currently serving as CEO of EnerTech Pakistan. He has been instrumental in developing large-scale energy projects across Pakistan and the Middle East. His previous roles at ePlanet Capital and Bank of America Merrill Lynch 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.

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.

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.

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 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.

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.

Dr. Mayada M. Baydas is an expert in financial inclusion and economic development with 25 years of experience across 20 countries. She has led initiatives in NGOs, microfinance, and rural development, focusing on financial services for small businesses. Dr. Baydas holds a PhD in Agricultural Economics from The Ohio State University and has been recognized as one of the 40 Leading Businesswomen in the Arab World by the Financial Times

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.

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.

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.

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 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.

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.

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.

Syed Nadeem Hussain is a pioneering figure in financial inclusion and social impact entrepreneurship. As the founder of Tameer Microfinance Bank and the driving force behind EasyPaisa, he revolutionized financial access in Pakistan. With 26 years at Citibank in senior roles across multiple countries, Mr. Hussain’s expertise spans banking, technology, and venture capital. His leadership at Raqami Islamic Digital Bank is instrumental in guiding the bank’s mission to empower communities through digital Islamic banking solutions.

Noor Ali brings over 25 years of experience in operations management, previously leading EasyPaisa and central operations at Telenor Microfinance Bank. He currently focuses on optimizing systems and enhancing operational efficiency at Raqami Islamic Digital Bank.

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.

Rukhsana Narejo is an investment management expert with over 20 years of experience in treasury, portfolio management, and asset management. She has led key financial institutions like Sindh Bank and is actively involved in promoting diversity within the industry while managing treasury operations at Raqami Islamic Digital Bank.

Fahad Asad Khan is a Chartered Accountant with 18 years of experience in financial reporting, M&A, and Islamic finance. He has held roles at Shaukat Khanum Memorial Cancer Hospital and A.F. Ferguson & Co. and now leads financial strategy at Raqami Islamic Digital Bank.

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

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.

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.

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.

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.

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.

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.

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.

Ghulam Husnain Nasir has 19 years of experience in telecom and FMCG sectors. He has led cross-functional teams at Telenor Pakistan and now oversees B2B partnerships and sales at Raqami Islamic Digital Bank.

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.

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 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.