MBA, University of Punjab. With Citi: 1979, Foreign Exchange and Money Market Trader, Citibank, Pakistan; 1979-96, country management, corporate banking, treasury management and trade finance, Asia, Middle East, Africa and Levant; Head, Operations and Technology, international business; Global Head, Trade Business and Emerging Markets; Head, Commercial Banking and EMEA; Head, Banking, Africa; since 2009, Chief Executive Officer, Africa and Country Officer, South Africa. Member: American Chamber of Commerce; Dil Foundation.