Partners and specialists across structuring, banking, risk and technology, drawn from Citi, Barclays, Al Rajhi Bank and beyond.
Managing Partner of Angel Lane Partners, a cross-asset strategist with 25+ years leading FX, credit and structured financing for corporates across EMEA, now extending that expertise into AI-led initiatives for the firm.
Senior banking executive with 25+ years at UBL, Barclays, Dubai Islamic Bank and Telenor Microfinance Bank (Easypaisa), known for launching and transforming retail and digital banking businesses.
Corporate and investment banker with two decades at Citibank Pakistan, Qatar and UAE, leading major financings including DP World's $2.9 billion acquisition deal and the $6.1 billion DEWA IPO.
Energy and petrochemical executive with 40+ years leading mega-scale projects, including seven years as CEO of HUBCO and Special Assistant to Pakistan's Prime Minister on CPEC.
Treasury and market risk executive with 25+ years at Citibank, Barclays and Al Rajhi Bank, where he grew investment revenue from $100 million to over $600 million a year.
Business and technology transformation leader with 27+ years across IBM, KPMG and National Bank of Canada, now founder and CEO of Emmaculate Global.
Google Cloud Certified Architect specialising in enterprise search and agentic AI, having built platforms for the U.S. Tax Court, New York Power Authority and UN World Food Programme.
AI Systems Architect and Product Technologist with 7+ years scaling intelligent products, including an AI companion platform that reached 6 million users.
Senior AI Engineer building generative AI systems for banking, including Credit AI, Angel Lane Partners' automated credit risk assessment platform.
Technology entrepreneur and certified project manager (PMP, CISSP) delivering AI and data platforms for global clients, currently Managing Director – Pakistan at Data Pulse Tech AI.
Senior Financial Analyst with six years in capital markets and banking advisory, supporting debt raises, M&A and AI-driven credit solutions across the Middle East.
Junior Python Developer building AI-driven financial technology, including Credit AI's credit memo and cash flow systems that cut discrepancies by 60%.
Haseeb is the Managing Partner of Angel Lane Partners, a cross-asset and cross-functional strategist with more than 25 years of leadership experience in FX, ecommerce, rates, credit, ALM, and financing solutions for corporate clients across EMEA. He began in Karachi (1995 to 2005) across Citibank, Bank of America, and Standard Chartered, where he launched treasury sales and marketing efforts, helped the regulator develop Pakistan's derivatives market, and structured and executed the country's first derivatives with most of the risk placed with local banks. He later moved to Dubai (2005 to 2011) as Head of Corporate Sales and Derivatives for the Middle East and Pakistan, leading a team of 15 and growing revenues from USD 7 million to USD 40 million in the UAE and USD 75 million across the region. In London, he served as Managing Director and Head of Corporate Derivatives for the Middle East and Africa at Citibank (2011 to 2014), where he implemented the Basel III framework for derivatives, relaunched the derivatives effort in Africa, and executed M&A hedging transactions. From 2014 to 2017 he was Managing Director and Head of Corporate Solutions for EMEA, launching a product-agnostic team that brought together capital markets, project finance, derivatives, credit, and accounting policy expertise. The initiative reached its tipping point in its second year and was rolled out globally with hubs in London, New York, Singapore, and Japan. Its work included first-of-their-kind guarantee structures with multilateral institutions, a large infrastructure refinancing, illiquid financing and CVA trades, shipyard financing with an ECA wrap, RMB financing and Panda bonds for EMEA corporates, solutions to convert sovereigns' foreign-currency contingent liabilities into local currency, and structured loans that created local currency assets through funding swaps. His notable transactions include GBP 20 billion of IBOR transition on an RMBS portfolio, long-term foreign exchange hedges for the Governments of Senegal and Cameroon supported by MIGA and the African Development Bank respectively, a first-ever long-term FX hedge for a regional bank facing an African sovereign, a unique hedge for a multinational's divestment in Pakistan under restrictive regulations, and Pakistan's first quanto swap for a public sector corporate. He holds an MBA from the Institute of Business Administration in Karachi and is both a CFA charterholder and a certified Financial Risk Manager.
More recently, Haseeb completed the University of Cambridge Professional and Continuing Education Career Accelerator in Data Science with Machine Learning & AI, delivered in collaboration with FourthRev (August 2026), and MIT Professional Education's AI and ML: Leading Business Growth Program (September 2025). Drawing on these alongside his banking and financial services expertise, he has conceived and built a number of AI-led initiatives for the firm, including Credit Risk Automation and Analytics.
Khawaja is a senior banking executive with more than 25 years of leadership experience across multinational and local financial institutions in the UK, Pakistan and beyond, with a track record of launching, scaling and transforming retail and digital banking businesses.
At Citibank in Karachi, he rose from Relationship Manager for Credit Cards, where he was named Salesman of the Year, to Regional Sales Manager for Auto Finance, building the Auto Dealer Sales Force and gaining 40% additional market share, and then National Sales Manager for Credit Cards, increasing card sales sixfold and productivity by 174%. As Branch Manager at Standard Chartered Bank in Faisalabad, he achieved PKR 1 billion in liabilities and PKR 15 million in pre-tax profits.
At United Bank Limited (UBL) in Karachi, he led the post-privatisation turnaround with over 100 senior hires and 4,000 outsourced staff as Group Head of Sales, Strategy and Distribution, built UBL's consumer bank from scratch as Group Head of Consumer, and restructured the distribution network as Group Head of Branch Banking. At Barclays Bank in Karachi, he launched the retail banking operation from the ground up in five months, built the entire consumer banking structure, opened 15 branches, generated PKR 34 billion in deposits within two years, and introduced Premier Banking, Retail Assets, ATMs, Bancassurance and E-Banking.
As Head of Retail Banking at Burj Bank Limited, he expanded the branch network to 75 and doubled liabilities from PKR 22 billion to 42 billion, launching Islamic products including Mortgage and Bana-Takaful and rolling out MasterCard debit cards. He then led Retail Banking at Dubai Islamic Bank in Karachi, expanding the branch network by 100 branches and 27 booths to reach 222 locations, transforming Auto and Home Financing into market leaders by growing sales from 100 to 800 units a month, growing the liability book from PKR 58 billion to 140 billion while cutting the cost of funds from 5.25% to 2.95%, and growing Bancassurance revenue fivefold in a year.
As Chief Operating Officer and Head of Branch Banking at Telenor Microfinance Bank (Easypaisa) in Karachi, he oversaw the integration of Easypaisa into the bank, grew the balance sheet from PKR 10 billion to 35 billion and the liability book from PKR 14 billion to 45 billion largely through mobile banking, launched a digital lending portfolio, and led the bank's rebrand as a digital-first institution.
Khawaja holds a BSc in Mathematics and Statistics from Government College, Faisalabad, and an MBA in Marketing from the Pak American Institute of Management Sciences, Lahore.
Aly is a finance professional with more than two decades of experience in corporate finance, fundraising, credit risk management, and corporate credit restructuring. He began in corporate banking at Citibank Pakistan, managing public sector, local corporate, and multinational relationships and executing privatizations, IPOs, acquisitions, and bond and financing deals. He then moved to Citibank Qatar as a lead banker for entities such as Qatar Petroleum Group and Qatar Airways. He was also the Corporate Bank Head and Senior Credit Officer at Citibank UAE, where he led a team of 15 bankers to double-digit growth over his last four years, managed annuity mandates with clients like ADNOC, Mubadala, and DP World, and restructured large exposures while increasing wallet share with top clients. His transaction record includes acting as joint underwriter, bookrunner, and M&A advisor on DP World's US$2.9 billion acquisition financing in 2022 and its US$9 billion take-private, joint global coordinator on the US$6.1 billion DEWA IPO and the US$800 million Fertiglobe IPO in 2022, bookrunner and MLA on Emirates Global Aluminium's US$5.5 billion refinancing in 2021, MLA on ADNOC Gas Pipelines' US$7.8 billion acquisition financing in 2021, and lead on the inaugural US$913 million UKEF-backed Sukuk for Emirates in 2015. He has also served as financial advisor and placement agent on a Belgian container terminal private placement and led non-recourse port financings in Canada and Peru. Since June 2023, he has been a consultant at Angel Lane Partners in Dubai, advising on project finance and developing risk frameworks such as ICAAP and climate risk, and he has carried out independent asset quality reviews for a major Saudi bank, assessing credit quality and risk exposure and advising on credit risk assessment frameworks. He holds an MBA and a BBA from the Institute of Business Administration in Pakistan.
Khalid is an energy, mining, and petrochemical executive with more than 40 years of experience leading the development, execution, and operation of mega-scale projects. Most recently he served as Special Assistant to the Prime Minister of Pakistan on CPEC, following seven years as CEO of HUBCO, where he transformed the company and drove several growth initiatives. Earlier, as CEO of Algeria Oman Fertilizer Company, he led a USD 3 billion joint venture between Oman's Suhail Bahwan Group (51%) and Algeria's Sonatrach (49%) that set up the world's largest fertilizer complex, managing execution and commissioning through a consortium of Japanese and Korean contractors. He has also served as CEO of various Engro Group companies and as President of OICCI in 2017. At HUBCO, he led the US$ 2 billion, 2x660MW China Power Hub Generation Company project with an integrated jetty through every stage, from conception to securing approvals from NTDC, PPIB, NEPRA, and CPPA(G), to selecting a Chinese state-owned EPC contractor through competitive bidding and negotiating the joint venture and key contracts. The plant was commissioned in 2018, inaugurated by the Prime Minister, and supplies low-cost, reliable power to the national grid. As Chairman of Thar Energy Limited, he also oversaw the 330MW, over US$ 0.5 billion mine-mouth CPEC project, a joint venture of HUBCO, Fauji Fertilizer Company, and CMEC, by securing government approvals and Sinosure risk underwriting, achieving financial close with a CDB-led consortium, finalizing the JV agreement, selecting CMEC as EPC contractor, and providing board-level governance and progress monitoring through execution. He also advises clients and multinationals on corporate governance, risk management, and energy projects, and is recognized for ensuring financial close on a series of projects through negotiation and stakeholder integration.
Saleem is a treasury and market risk executive with more than 25 years of experience at three global financial institutions, Citibank, Barclays, and Al Rajhi Bank, across five countries. He began at Citibank in Pakistan in technology and price risk roles, rose to lead the consumer bank's treasury, and later became Vice President of Market Risk Management from Bahrain, where he spent three years bringing more than 50 countries onto a single market and liquidity risk reporting system, with zero failed audits across seven countries. At Barclays, he held Director-level roles in Dubai and London, establishing the regional market risk function for Corporate New Markets and Africa, authoring a transfer pricing policy, and later leading liquidity and funding strategy and stress testing for Retail and Business Banking and Group Treasury. At Al Rajhi Bank in Riyadh, he first set up the balance sheet management unit, cutting funding costs by $40 million and launching a bank-wide funds transfer pricing policy, then took charge of Money Markets and Investments, where he grew revenue from about $100 million to over $600 million a year by building investment desks and diversifying into fixed income, equities, mutual funds, and REITs. He also led the Oracle OFSAA ALM and FTP system implementation, contributed to ICAAP and ILAAP submissions to the regulator, improved IRRBB models to strengthen the bank's capital adequacy, and served as Acting General Manager of Treasury. Since 2021, he has been the founder of ALM Analyzed Inc. in Toronto, which offers training and coaching to retail investors on investment policy statements, portfolio planning, and fundamental and technical analysis. He holds an MBA, earned with a full scholarship, and a BS in Electronics Engineering Technology from Pittsburg State University in Kansas.
Khurram is a business and technology transformation leader with more than 27 years of experience across banking, fintech and enterprise architecture, including roles at IBM, KPMG and North American financial institutions. He began at IBM in Pakistan as an IT Solutions Specialist, then spent close to a decade at KPMG as a Manager in Consulting, working on enterprise architecture, information risk management, business process re-engineering and ERP implementations. In 2001 he founded Emmaculate Private Limited, leading business and enterprise architecture, program management and onshore and offshore delivery for clients over more than a decade, before founding Emmaculate Global Inc. in Canada and the United States in 2013, where he remains Managing Partner and CEO. Between 2015 and 2021 he was Chief Enterprise Architect and CTO of PacSafe, a Swiss Verein agri-fintech, working on riba-free agriculture lending, community payments processing, asset management and blockchain. From 2021 to 2023 he was Chief Enterprise Architect at National Bank of Canada, covering financial markets, corporate banking, securities lending, collateral management and customer lifecycle management, and leading the bank's centre of excellence for global reference model adaptation. Across his career Khurram has led merger and acquisition transformations in lending and payments for institutions including Royal Bank of Scotland, HSBC and Temasek, architected central bank credit reporting that helped grow transaction volumes from $14 billion to $22 billion over three years, and transformed remittance processing for banks, more than doubling transaction throughput and cutting global payout times to three minutes. He is TOGAF, BIAN, BIZBOK and SAFe certified, holds a Government of Canada Level II (Secret) security clearance, and has worked with defence, financial, energy and utilities regulators in multiple countries. Khurram holds a postgraduate diploma in Islamic Banking and Finance from AlHuda Centre of Islamic Banking & Economics and a bachelor's degree in Computer Science from FAST - National University of Computer and Emerging Sciences, Pakistan.
Fakher is a Google Cloud Certified Professional Cloud Architect and Solution Architect, specialising in enterprise search, document intelligence and agentic AI systems. Working closely with Angel Lane Partners, Fakher designs and delivers cloud-native platforms on GCP, drawing on deep hands-on expertise across Vertex AI Search, Gemini, Document AI, Dataflow, BigQuery, Cloud Run, GKE and Terraform. His portfolio includes IDMS, a large-scale document management and search platform for U.S. Tax Court records; an enterprise content search platform for the New York Power Authority (NYPA); and a search portal for the UN World Food Programme (WFP). Beyond client work, Fakher is a public contributor to AG-UI, the open-source Agent–User Interaction protocol that standardises how AI agents communicate with front-end applications, reflecting his commitment to advancing the wider agentic AI ecosystem.
Aitzaz is an AI Systems Architect and Product Technologist with 7+ years of experience designing, building, and scaling intelligent products across AI, data, automation, analytics, and software engineering. His work focuses on applying modern AI to complex real-world problems, combining LLMs, agentic architectures, intelligent automation, predictive analytics, data platforms, and scalable software systems.
His current work spans banking and financial services, including solutions for revenue assurance, credit risk, financial intelligence, and AI-powered analytics. He works closely with complex business processes and data to identify opportunities for automation, intelligence, and improved decision-making, designing AI systems that can analyze information, reason over data, and support or automate multi-step workflows.
Across his career, Aitzaz has worked across financial services, government, enterprise technology, cybersecurity, e-commerce, learning platforms, pharmaceuticals, and consumer AI. His product experience includes Moemate, HeyOz, SellerNavigator, ArcLens, Strikeready, PensDown, and DiSearch, alongside AI solutions developed for government and enterprise environments. With Moemate, he helped build and scale an AI companion platform to 6M+ users, working across AI agents, memory, personalization, multimodal AI, product development, and scalable infrastructure. Other work has included agentic e-commerce automation, financial analytics and credit-risk intelligence, intelligent search and document processing, cybersecurity systems, and AI-powered marketing automation.
Aitzaz brings a combination of deep technical architecture and product thinking. He has experience taking ideas from concept through architecture, development, deployment, optimization, and scale, while working across both technical and business requirements. His technical background spans generative AI and LLMs, agentic systems, AI/ML, intelligent search, document intelligence, data engineering, microservices, cloud platforms, and full-stack development across GCP, AWS, Azure, and Python-based ecosystems.
His approach is problem-first and outcome-oriented: understand the underlying business challenge, determine where AI, data, and automation can create meaningful value, and build a solution that is technically robust, scalable, and practical. This combination of engineering depth, product understanding, and cross-industry experience allows him to work across both the architecture of intelligent systems and the business problems they are designed to solve.
Samreen is a Senior AI Engineer at Angel Lane Partners, specialising in generative AI systems that turn complex documents into reliable, decision-ready insight.
Samreen's career has centred on enterprise AI. At Entrolics, she led the development of retrieval-augmented generation (RAG) and intelligent search platforms for international organisations, including the UNFPA DocSearch Engine and WFPGo Search for the World Food Programme, improving information retrieval efficiency by 40%. She also architected diSearch, a multimodal platform for searching text, tables and images across Google Drive, SharePoint and uploaded files, including diResearcher, an agent that plans multi-step research and produces cited reports. She built SLAM AI, a multi-agent sports intelligence platform for scouting and analytics. Along the way, Samreen developed a strong focus on reliability, building multi-agent systems with human oversight and evaluation practices that keep AI output accurate and grounded in its sources.
At Angel Lane Partners, Samreen applies this experience to banking as part of the team behind Credit AI, a platform that automates credit risk assessment. Credit AI:
Every conclusion can be traced back to its source, which gives credit teams the transparency they need to act on the results with confidence.
Samreen holds a master's degree in Computer Science and Information Technology and a bachelor's degree in Electrical Engineering, both from NED University of Engineering & Technology. Her research on Urdu text recognition has been published, and she is a recipient of the Lotte Chemical Scholarship.
Taha is a technology entrepreneur and Technical Project Manager specializing in AI and data platforms, GCP and enterprise solutions, and digital transformation. He holds the PMP and CISSP® credentials, alongside Google Gemini Enterprise agent-platform certifications, AWS Partner (Technical) Accreditation, and Agile Project Management certifications.
Taha is currently Managing Director – Pakistan at Data Pulse Tech AI LLC, a US-based firm delivering Data & Analytics, AI/ML, web and mobile application development, and cloud services. He leads business development, operations, and delivery, working directly with US and international clients on requirements, solution architecture, and pre-sales, while building and scaling distributed agile engineering teams. Under his leadership, the firm has delivered digital transformation projects across technology, manufacturing, healthcare, and retail. He is also the Founder of 1 Sol Digital Services (SMC-Private) Limited, an IT services company based in Karachi with a UK presence, offering web and mobile development, AI solutions, ERP/CRM, SEO, and digital marketing; the firm has also participated in US government contract bids, where Taha oversaw RFP analysis and proposal submissions.
Previously, as Technical Project Manager (Remote) at Entrolics LLC (Virginia, USA), Taha managed two Generative AI products from development through release: most notably custom-tailored, AI-governed search solutions delivered for large organizations including the UN World Food Programme (WFP): while serving as Scrum Master and lead customer consultant for a distributed team. Before that, at Systems Limited, one of Pakistan's largest IT services companies, he coordinated CRM implementations for major regional clients including DU Telecom, Dubai World Trade Center, ICSC (USA), and Majid Al Futtaim, and ran the company's Employee Wellness Program and Technical Governance Initiative. His earlier roles include Chief Operating Officer at MSM IT & Tech Solutions and IT Support Specialist at Poultry International, where he built a CMS that moved the company off Excel-based operations.
Taha holds a BS in Computer Science from Bahria University, Karachi. Outside of work, he founded the Bahria University Media Club, which he led on a pro-bono basis for seven years, and was a gold medalist in the International Kangaroo Mathematics Contest.
Sidra has around six years of experience in the financial sector. Before joining Angel Lane Partners, she was part of the Equity Capital Markets team at Habib Bank Limited, Pakistan's leading bank, and prior to that, the Priority Banking team at Faysal Bank in Pakistan. She manages advisory transactions from origination through ongoing execution, including debt raising, mergers, and pitching for business generation across the Middle East and Europe, and supports the team with in-depth financial analysis, investment due diligence, credit analysis, market research, and pitchbooks for fundraising and corporate finance transactions.
Sidra also works with banking clients in Pakistan and the Middle East to develop tailor-made AI solutions, critically analysing the business dimension to ensure models are trained effectively, with use cases spanning client onboarding, regulatory systematic developments, as well as an in-house AI-driven credit system that automatically assesses client risk.
She has also supported the team in one of the largest holding companies in the Middle East on corporate strategy and treasury management, assisted on a joint venture between a Saudi automotive company and an Asian technology, as well as supported the advisory for the strategic transformation of a UAE digital bank, including business model redesign, target market clarity, and the capital and governance framework.
In addition, she supports the team in partnering with banks across the MENA region that are moving from traditional funds transfer pricing to dynamic, client-risk-sensitive models and revenue assurance, and contributes to advisory pitches for financial, technical, and risk management mandates across a range of industries.
Sidra holds a Master's in Investment Banking from Queen Mary University of London.
Rabiya is a Junior Python Developer at Angel Lane Partners, working on AI-driven financial technology.
Rabiya is currently completing her bachelor's degree in Computer Science and has developed practical experience across AI agent workflows, backend development, document intelligence, financial data processing and product development.
At Angel Lane Partners, Rabiya works on Credit AI, a platform that supports credit risk assessment. Her work spans the Credit Memo system, financial data extraction and cash flow generation. She has investigated and resolved data extraction issues, analysed and verified information against financial statements, and worked on the generation of credit memos. Within the cash flow component, she has helped determine where AI should be applied, what tasks should be handled through AI, what outputs are required, and where deterministic or rule-based logic is more appropriate, helping reduce cash flow discrepancies by 60%.
Rabiya also works with AI-agent workflows, including defining agent tasks, developing and refining prompts, shaping the logic and expected outputs of agents, and conducting live testing against relevant financial data. This experience has given her practical exposure to designing AI workflows around real business requirements, while balancing AI capabilities with reliable rules and validation.
Through this work, Rabiya has gained hands-on experience at the intersection of software development, AI and financial data, with a focus on building practical systems that combine AI with structured business logic and data-driven validation.