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Director’s Profile

Lt. Gen Naveed Mukhtar (Retd.) HI(M)


Lt. Gen Naveed Mukhtar ® joined the Board of Directors on 17 January 2021.

Lieutenant General Naveed Mukhtar, HI (M)  is an Armour officer. He is a graduate of Pakistan Military Academy; The Cavalry School, France; Command and Staff College Quetta; Joint Command and Staff College, Philippines; National Defense University, Pakistan; and The United States Army War College.
During his illustrious military career, spanning almost 40 years, Lt.Gen. Naveed Mukhtar has served in a variety of command and staff positions at nearly every level during both peace and operations. He has also rendered services in the United Nations mission in Somalia. The Lt. Gen has served as the Corps Commander of Karachi Corps, Colonel Commandant of Armored Corps and has also headed the Premier Intelligence Agency of Pakistan as the Director General of ISI
He holds two master degrees in War Studies and Strategic Studies. The General is blessed with three sons and a Grandson. He is a keen sportsman, who enjoys reading and traveling.

Air Vice Marshal Mohammad Athar Shams, HI (M)



Air Vice Marshal Mohammad Athar Shams, HI (M) ® is currently serving as Executive Director Aviation and finance of Army Welfare Trust. He has done MSC in Strategic Studies from National Defense University, Islamabad. He served at various prestigious positions in Pakistan Air Force including Base Commander Fighter Base, Air Officer Command Northern Air Command and Director General Joint Operation, General Headquarters.

Ms. Maleeha Humayun Bangash


Ms. Maleeha Humayun Bangash is a recognized Banking & Financial Industry expert, with rich experience of more than 22 years obtained in Singapore, Turkey and Pakistan primarily in Banking & Financial Services.

Maleeha Humayun Bangash is on the board of Habib Insurance Co. Ltd., Cherat Packaging Ltd., Nishat Power Ltd. and Service Global Footwear Ltd. In her past career she occupied the position of Managing Director-Investment Climate Reform Unit at The World Bank Group and Chief Strategy Officer of JS Investments Ltd. and Chief Strategy Officer for JS Investments Ltd.

She received an MBA from The University of Chicago Booth School of Business and an MBA from Lahore University of Management Sciences.

Mr. Malik Riffat Mehmod



Malik Riffat Mehmood is currently working as Director Finance at Army Welfare Trust. He is a seasoned finance professional with diversified working experience in multiple industries including Pharmaceutical, Aviation, Textile, Oil and Gas and Sugar. He is a Fellow Chartered Accountant (FCA) of the Institute of Chartered Accountants of Pakistan. He has hands-on experience of strategic and financial planning coupled with proven ability of translating strategic vision into practical action plans.


Mr. Raheel Qamar Ahmad


Mr. Ahmad has been the CEO of standard chartered Modarba since 2011, which was renamed as ORIX Modarba after acquisition by ORIX group, a landmark FDI transaction by the largest and oldest NBFI group in Pakistan. He has over 27 years of varied corporate and investment banking experience. In his last three roles, he ran the country local corporate portfolio at standard chartered bank and large regional corporate portfolios at United Bank limited and allied bank. Prior to that he ran Mashreq Banks Structured finance portfolio. He has also participated as sell side advisor for entities in government of Pakistan privatization programme. in addition to various technical risk, Islamic banking and other certifications, raheel is also certified board director (from PICG) enabling him to be appointed to any listed company’s board in the country, He also holds a master in business administration from the Illinois Institute of of technology , Chicago and a bachelor of science in engineering from university of engineering and technology Lahore (UET). He is a former chairman of NBFI and Modarba Association of Pakistan and vice president of the Asian Financial Services Association.

Mr. Sajjad Anwar, CFA


Mr. Sajjad Anwar is a seasoned Investment Professional with wide-ranging experience in the Financial Markets of Pakistan spanning over 21 years that involves Equity Research, Portfolio Management, Investment Advisory, Risk Management, and Finance & Accounts. For the last 15 years, he has been working in the Fund Management Industry.

Before becoming CEO at AWTIL, he was performing the role of Chief Investment Officer at NBP Funds. As a CIO, he led the largest and most qualified investment team in the industry that was managing investments of Rs. 185 billion in mutual funds, ETF, VPS, and Investment Advisory portfolios. Prior to joining NBP Funds in 2007, he was associated with Army Welfare Trust (AWT) as Manager Strategic Risk Management. He started his career with Shifa Foundation as an Assistant Manager Finance & Accounts. He was also associated with International Islamic University, Islamabad as a visiting faculty member. Mr. Sajjad Anwar holds MBA in Finance and is a CFA charterholder.

He is an avid cricketer with a keen interest in a number of other sports including Badminton. He is also a profound follower of global economic and political affairs.

He remained involved with CFA society as a volunteer at various levels.