Mubashar A. Mirza

Seasoned executive with 24+ years of leadership experience across leading banks, including ABN AMRO, HSBC, BARCLAYS, ABL, and JS Bank. Specialized in transactional banking, digital transformation, cash management, payments, and embedded finance, driving growth across Corporate, Institutional, Retail, and Public Sector segments. Proven record of leading P&L-driven businesses, scaling transaction volumes, expanding wallet share, and building digital banking products through API-led platforms, ERP integrations, and fintech partnerships.

Experienced in enterprise-wide transformation, driving digital channel adoption, and delivering large-scale initiatives with strong business impact and ROI.

EVP, TRANSACTIONAL BANKING | INSTITUTIONAL BANKING & BD at Faysal Bank (2022-09 – Present)

Spearheaded transactional banking and payments business, driving CMS, digital payments, and liquidity solutions.

• Delivered 41% YoY growth (PKR 1.2T flows) through API-led collection solutions and enterprise client engagement.
• Expanded fintech partnerships (merchant, QR/POS, PSP), driving transaction volumes, fee income & wallet share.
• Led end-to-end deal cycle, including solution structuring, pricing & execution for large Public & Institutional mandate.
• Digitized large-scale payment flows (G2P, Trade finance & remittances) via H2H connectivity & platform integration.
• Established product governance and KPI frameworks to track performance and align with strategic objectives.

SVP, HEAD OF PUBLIC SECTOR UNIT (PUNJAB) | CORPORATE & INSTITUTIONAL at JS Bank Limited (2016-03 – 2022-08)

• Launched Institutional & Public Sector Banking, driving client and portfolio growth, exceeding revenue targets by 38%
• Delivered 42% fee growth and 53% increase in digital usage, through digitization initiatives across Institutional clients.
• Originated and executed large-scale payment and G2P mandates, leveraging fintech partnerships & API integrations.
• Built pipeline governance and account plans, driving cross-sell & revenue growth via client engagement & partnerships.
• Launched Private banking products for ultra-high-net-worth clients, including international rollout at JS Bank Bahrain.

VP, HEAD BANCASSURANCE | SME PRODUCT DEVELOPMENT & NEW INITIATIVES at Allied Bank Limited (2011-06 – 2016-03)

• Led enterprise Bancassurance portfolio (P&L), driving product strategy, insurer partnerships, and digital growth.
• Developed SME and digital enablement strategy, integrating ERP-linked payment, trade, and lending ecosystems.
• Built platform integration (PSPs, gateways, merchant acquiring), streamlining collections & scaling digital capabilities.
• Owned end-to-end SME product lifecycle, from design and rollout to risk controls and optimization.

VP, BRANCH BANKING & WEALTH MANAGEMENT at Barclays Bank (2008-05 – 2010-08)

• Led Barclays Pakistan (greenfield setup), delivering onboarding, payments, and servicing capabilities.
• Collaborated with GCC & global delivery teams to modernize liquidity & payment systems, aligned with local regulations.
• Established Sales Governance, strengthening controls and regulatory compliance across acquisition and sales processes.

PFS MANAGER | PREMIER & WEALTH MANAGEMENT | EMERGING MARKETS at HSBC Middle East Bank (2007-01 – 2008-05)

• Led re-launch of HSBC Premier & Digital, enabling omni-channel & cross-border servicing across 40+ Premier countries.
• Aligned Premier, payments, and customer lifecycle journeys with HSBC Middle East's delivery & governance standards.
• Partnered with Global teams to ensure product consistency and client experience alignment across GCC markets.

SENIOR CREDIT ANALYST | BB | CORPORATE & PUBLIC SECTOR at ABN AMRO BANK (2000-01 – 2007-01)

• Managed Corporate & Public Sector portfolios, ensuring disciplined credit origination, compliance & risk governance.
• Strengthened portfolio quality through structured credit reviews, risk controls, and proactive client engagement.

LLB – University Law College

MPA – Quaid-e-Azam University

BA – Government College University