BE in Electrical Engineering, University of Karachi; MSc in Electronic Engineering and MBA in Finance, UCLA. 1977-91, Regional Manager, Gulf, Bank of America. 1991-2000, Senior Country Officer, Pakistan, Crédit Agricole. 2000-12, President and CEO, Habib Bank, Pakistan's largest bank. Current and previous board memberships: Khushhali Bank; First Women Bank; Chairman, HAIB UK; Pakistan International Airlines; Pakistan Steel Mills; Karachi Stock Exchange; National Investment Trust. Served on three pay and pension commissions, Government of Pakistan; Member, Private Sector Development Task Force; Chair, Task Force for National Crop Loan Insurance Programme.