Get to Know Our Team of Experts
A team of experienced professionals committed to delivering strategic solutions and lasting impact for our clients.
ZUBAIR HAIDER
Chief Executive Officer
TARIQ SULTAN
Deputy CEO
MUSTAFA RABBANI
Director, North and Cental regions
LATIF MEMON
Advisor on Risk Management, Compliance, & Technology
AYYAZ AHMED
Corporate finance lead expert
SHADAB FARIDUDIN
Market research lead expert
HIRA ZUBAIR
Content Writer and Marketing Associate
MUHAMMAD FARAZ ALI
Corporate Finance Associate
COVERAGE TEAM
Zubair Haider started his career after completing his MBA from IBA Karachi. He also holds an LL.B. degree from Sindh Muslim Law College, Karachi. He is a Certified Director through ICAP’s Directors Training Program.
He has over 30 years of banking experience and has held senior positions at various banks in Pakistan including HSBC, Meezan Bank Limited, National Bank of Pakistan, Dubai Islamic Bank Pakistan, and Banque Saudi Fransi in Saudi Arabia. He has also led multi-million dollar deals and influenced profitable outcomes.
Zubair’s areas of expertise include Credit Risk, Business Development, Corporate Finance, Investment Banking, Capacity Building, Islamic Finance, Strategic Plannng and Leadership.
He also conducts training programs for banks and corporates and is also an expert trainer on technical topics such as Advanced Credit Analysis, Trade Finance, Cross Selling, Relationship Management skills, etc.
Zubair is a member of the Executive Committee of Management Association of Pakistan for the years 2024-27. He is serving as a Director on the Board of a leading pharmaceutical company. He also represents various business councils and committees of Federation of Pakistan Chambers of Commerce and Industry (FPCCI).
Tariq Sultan is Group COO, Pathfinder Group. With 30+ years’ senior management and board-level experience in private and public sectors, he has helped achieve many landmark developments in the Telecom & Fintech sectors such as 3G & 4G spectrum auctions, Biometric Verification System, and DIRBS system enabling the Govt. to collect billions of rupees in customs duty.
He was instrumental in helping successfully launch the most dynamic and versatile USSD
based financial inclusion platform of Pakistan, enabling the masses to open a bank account
with the possibility of accessing other financial well-being products such as Pension and
Insurance. It was recognized by WEF, which declared Pakistan as a Lighthouse Country.
He has held senior positions with Canadian Imperial Bank of Commerce (CIBC), PTA, Mega
Forbes Group, STZA, and HoH. He was a Board Member of PTA, CEO and Director of Habib Metro Pakistan (Pvt.) Ltd., Director of Makro Habib Pakistan Ltd., and Group CEO of Pathfinder Group.
He was also the founding partner and Director of First General Leasing Modaraba, General Fund Management Ltd., a corporate brokerage house, and Continental Fuel Services (Pvt.) Ltd, a CNG stations company.
Tariq is a CPA from Canada, (ACA) ICAEW), and a member of ICMAP, IIA, ISACA and IBP. He
also has an MBA from IBA, and an M.Sc. in Accounting & Finance from University of
Manchester & UMIST, UK as an FCO scholar.
Mr. Rabbani is a seasoned banking professional with 34 years of experience in Islamic
and Conventional Banking, holding senior roles at Emirates Bank International PJSC,
Prime Commercial Bank, Meezan Bank, Bank Alfalah, and BankIslami Pakistan Ltd.
His expertise spans Corporate & Investment Banking, Syndicate Finance, SME &
Commercial Finance, Retail & Consumer Banking, Trade Finance, and Operations.
He has a strong track record of scaling portfolios, increasing profitability, streamlining
workflows, and driving business growth.
Beyond core banking, he excels in Business Strategy, Product Development, Training,
HR Development, and Branch Expansion.
He has led strategic transformation projects with top consulting firms, including McKinsey,
PWC, and RBL.
With deep industry knowledge and leadership, Mr. Rabbani continues to drive
innovation and sustainable growth in the banking sector.
Abdul Latif Memon is a visionary leader and accomplished professional, currently serving as the CEO of Headway Digitals (Pvt.) Limited. His extensive expertise spans project management, business development, investment banking, risk management, information technology, and e commerce. With an MBA from Quaid-i-Azam University, advanced certifications from institutions like LUMS, ADFIAP, and IBP, and as a Certified Director by ICAP, he has built a stellar career marked by innovation and growth.
Latif’s career began with Union Texas Petroleum Inc., where he implemented computer-based
land administration systems. He later transitioned to the financial sector, making significant
contributions at the Investment Corporation of Pakistan, Pak-Libya Holding Co., and NBP
Capital Limited.
His achievements include establishing business development functions, introducing integrated IT solutions, and developing a robust risk management framework.
In addition to his corporate successes, Latif has made notable strides in entrepreneurship. He
modernized his family business, GNS Pakistan, a leading exporter of dates, and founded Aseel
Foods to create value-added date products. A passionate advocate for e-commerce, he haS been involved in developing innovative business portals and digital platforms.
Ayyaz Ahmad is a fellow member of Institute of Chartered Accountants of Pakistan (ICAP) and of Institute of Corporate Secretaries of Pakistan (ICSP).
He holds the certification of ‘Certified Director’ under the regulations of the SECP.
His 35 year professional career encompassed a diverse variety of responsibilities which
include financial management, risk management, mergers and acquisitions, internal audits, strategic planning, and Shariah compliance.
Recently employed at Al Baraka Bank (Pakistan) Limited undertaking
the roles of Chief Internal Auditor, Chief Risk Officer and CFO.
Furthermore, he was the Non Executive Director of Board Credit
Committee of a leasing company, visiting faculty member at National
Institution of Management Sciences.
Shadab Fariduddin, is a Pakistan-based researcher and management
consultant who has served clients in Afghanistan, Botswana, Ethiopia, Qatar, South Africa, Europe, Turkey and UAE in the last 25 years.
He holds degrees of MBA from Institute of Business Administration (IBA, Karachi) and MS in Management Science from Shaheed Zulfiqar Ali Bhutto Inst. of Sc. & Tech (SZABIST, Karachi).
His experience spans corporate, government and non-profit sectors.
He has worked with USAID, EU, UNDP, ADB, and several other major
donors.
As an accomplished researcher, he has carried out over 150 research studies. He grew a market research agency that he founded in 2008 from 3 members to 70 strong staff with offices in Pakistan and UAE.
He is among the top 1% of over 80 million researchers on Academia, world leading research-sharing portal
EXECUTION TEAM
Hira Zubair holds a Bachelor’s degree in Social Sciences which has provided her with a solid foundation in understanding human behavior, cultural dynamics, and
societal trends.
With eight years of professional writing experience, Hira has developed a keen eye for crafting
engaging and impactful content that resonates with diverse audiences.
She excels in conducting thorough market research andcompetitor analysis to identify content gaps and develop strategies to address them. Hira has joined Lumina’s team to leverage her expertise in content strategy, and optimize the company’s research methodologies.
Muhammad Faraz Ali is a Corporate Finance Associate at Lumina Consulting Services, holding a Bachelor’s degree in Accounting and Finance from the Institute of Business Management.
He brings a unique blend of financial expertise and creative design skills, developed through his two years of experience in graphic design.
This combination allows him to create visually compelling and effective business proposals and
corporate profiles, enhancing communication and making complex financial data accessible and engaging.
He leverages his skills in financial analysis, valuation, and strategic planning to drive client performance.
