Zar Wardak is FINCA Impact Finance’s Vice President & Regional Director for the Middle East & South Asia (MESA) region, where she leads the network’s operations in Afghanistan, Pakistan and Jordan. Based in Kabul, she oversees a loan portfolio of more than $170 million, providing more than 660,000 clients with loans, savings products, insurance and payments services.
Under Zar’s leadership, FINCA’s operations in the MESA region have expanded to cover two full-service microfinance institutions and one bank, each of which now has more than 25,000 clients. FINCA Impact Finance has also become a catalyst for women’s economic empowerment in the MESA region—61% of FINCA Afghanistan clients are women; in Jordan, that number is 92%. Most recently, Zar helped introduce SimSim, an e-wallet now being used by over 100,000 previously unbanked or underbanked users in Pakistan. SimSim launched in 2016 and has contributed to financial inclusion in Pakistan while keeping FINCA at the forefront of Fintech innovation.
Prior to becoming Regional Director in 2012, Zar served as CEO of FINCA Afghanistan. Under her leadership, the company was able to achieve sustainability within three years. She implemented profitable microfinance solutions designed for local conditions—notably, FINCA Afghanistan was the first microfinance institution in the country to offer Islamic banking services. FINCA Afghanistan now serves more than 25,000 clients from 21 branches across the country, largely due to Zar’s successful stint as CEO.
Prior to joining FINCA, Zar worked as a financial services industry consultant in Afghanistan and served as Regional Sales Integration Director for Citibank in Texas before that. She holds a Bachelor of Arts in International Business from Southwestern College in Kansas and a Master of Science in Peace Operations from George Mason University in Fairfax, Virginia.
Zar also serves as Chairperson of the Afghanistan Microfinance Association and Chairperson of the Board for FINCA Impact Finance’s MESA subsidiaries as well as for Kosovo.
Volker Renner has over 20 years of senior executive experience in responsible finance in the Eurasia, Africa, Latin America and Asia regions. From 2004 to 2016 he served FINCA International as Vice President for Credit and Savings, Global COO, and Regional Director for FINCA Eurasia. Prior to joining FINCA, Volker held positions as CEO of ProCredit Bank (Ukraine) and advisor to banks in Russia and Ukraine. Since 2016, Volker has focused his work on governance and consulting roles, serving as board director and member of Audit, Risk, ALCO, Digital Financial Services, and Credit committees in financial institutions on three continents.
Safiye is a senior international banker with vast experience across many banking functions, geographies and client segments. Over the last 20 years at Citi she worked as a Senior Investment Banker both in Turkey and in London covering several FTSE 100 multinational corporates and underwriting complex financing transactions. She helped corporate clients to manage their investments and financing needs globally. She has been selected as “Best Banker’ by British American Tobacco.
As Regional Head for Citi’s Internal Audit and Risk Management Group, she was responsible from Europe Middle East and Africa consisting 52 countries. She managed a multi-cultural team which audited and rated Citi corporate credit portfolios across the region. Her expertise in credit risk management has been acknowledged with Senior Credit Officer (SCO) title.
In order to pursue her life-long ambition and commitment for women’s economic empowerment, Safiye joined Citi Microfinance (now known as Citi Inclusive Business) in 2009 as a Global Business Director which is a ‘for profit’ business segment of Citigroup. She has since worked to address issues of access to finance for micro entrepreneurs focusing on building scalable solutions and bringing the capabilities of Citi’s businesses to microfinance institutions, banks and corporate clients that work with unbanked and underserved low income communities. Last two years at Citi Microfinance, she has been working to develop value chain solutions to multinational firms while bridging the gap between large corporates, financial service providers, micro insurance companies and microfinance institutions.
Safiye was part of a team in Citi Microfinance that has developed a Citi-Overseas Private Investment Corporation (OPIC) microfinance partnership providing funding to 40 microfinance institutions with outreach to almost 1 million micro-entrepreneurs in 22 countries, approximately 91% of whom are women.
In 2014, she has been awarded ‘Champion for Women Award’ by Women in Banking and Finance UK Network (WIBF) in recognition for her contribution to women in the workplace and women economic empowerment globally. She acted as the Co-chair of Citi Women for two terms during her tenure at Citigroup.
She left Citigroup in October 2014 and now works independently as a Consultant in Banking, Financial inclusion and in microfinance industry and serves as an independent director on multiple boards.
She is a non-executive director at FINCA Microfinance Bank Pakistan since June 2017, FINCA Microfinance Bank Jordan since December 2018 and Board Member at British Chamber of Commerce Turkey since May 2016.
She also sits on the board of non-profit Foundation for the Support of Women’s Work (Kadin Emeğini Degerlendirme Vakfi-KEDV) and Maya Microfinance Institution which is the first microfinance institution in Turkey. She has recently joined Oxfam International Supervisory Board.
She has MSc degree in Banking and Finance from Nottingham University and BA in Economics from Boğazici University in Istanbul. She has dual nationality; British and Turkish and lives in Turkey.
Justin Warren is an Investment Officer in FINCA Impact Finance’s Capital Markets Group, where he focuses on M&A transactions and fundraising for FINCA’s microfinance network.
Prior to joining FINCA Impact Finance, Justin gained finance experience in the Boston and Washington, D.C. areas, working for Massachusetts Institute of Technology’s Lincoln Laboratory, Kaseman LLC, and Northrop Grumman.
Justin earned an undergraduate degree in economics from Princeton University and an M.A. in international development from the Johns Hopkins University School of Advanced International Studies. He is a Chartered Financial Analyst (CFA) charterholder.
Youssef Laban is currently a freelance executive consultant who helps financial institutions and Fin-tech start-ups streamline their operational and financial processes.
He is an experienced banker who served for more than 30 years with many international banks in Europe, the Middle East and North Africa in senior executive and non-executive positions. His roles included among others Chief Executive Officer of the regional hub of Arab Bank in Dubai, Group Chief Operating Officer of alkaliji bank in Doha, Chief Operating Officer of Banque Saudi Fransi in Riyadh, Information Systems Group Head at Credit Lyonnais in Paris, Head of Retail in La Banque Postale in Paris, Payment Systems department Head at Credit Agricole in Paris.
Mr. Laban executive responsibilities involved Operations, IT, Human Resources, Procurement, Premises, Digital Banking, Retail, Marketing and Strategy.
Youssef Laban holds an engineering diploma from Supelec, Paris and studied at CESB Management – Centre d’Etudes Supérieures de Banque, Paris.
Ziad AL Refai has over 25 years’ experience in the area of MSME, Microfinance and Human development. He is experienced Executive Director in Financial Services, Financial Inclusion, and Economic Development, in private sector and non-governmental organizations in poverty alleviation, unemployment, women empowerment, youth employment, and vocational education. Ziad has experience in government policy development and initiating private and public sector partnerships in addition to institutional assessment, capacity building and technical assistance advisory services. He is recognized consistently for performance excellence and contributions to success with a proven record of accomplishment in the Industry of Microfinance and MSME during the last 20 years career, both conventional and sharia’ compliance institutions. Further he has working experience for more than 10 years with multinational development funds; Usaid, Eu, WB, IFC, and others, supporting the economic growth of Jordan.
Ziad holds a BA in Accounting and MBA in Microfinance, Harvard Business School Executive Education graduate; “Strategic Leadership for Microfinance and SME”, “Strategic Perspectives in non-profit Management and Microfinance” as well “Performance Measurement for effective management of non-profit organizations”. He is also an accredited Microfinance trainer by the Microfinance Network of Arab Countries (SANABEL), Board member of Social Performance Task Force “SPTF” representative of MENA region, Advisory board member of Youth financial Services “YFS”, in addition to that, he is a member at “Partners for a New Beginning “PNB”, “ILO” certified trainer, EFQM certified evaluator for Excellency of management, and social entrepreneur in the World Economic Forum. Ziad was also a Vice Chairman of “Sanabel’s” Board.
FINCA Jordan Management Team
Our management team brings vast experience, professional skills and expertise from various industry backgrounds.
Abduqodir Sattorov is currently CEO of FINCA Microfinance Jordan, having more than 15 years’ experience in microfinance.
Prior to joining FINCA Jordan, he spent more than two years as the CEO of Agora Microfinance Zambia. He has also worked for more than four years for FINCA International in different roles in Uganda, Zambia and Azerbaijan.
Abduqodir has also worked as an SME Advisor for an EBRD (European Bank for Reconstruction and Development) funded project on SME Lending and MCFF Advisory Services with a Swiss-based consulting company BFC Consulting to develop small and medium-lending practices in five different commercial banks.
Prior to that, he worked for over four years in “LFS Financial System Gmbh”, a German consulting and management company specializing in micro and small business finance projects in developing and transition countries.
Abduqodir holds a Bachelor’s degree in Accounting and Audit from Tajik State University of Commerce.
Abdul Kabir Khan is Chief Financial Officer (CFO) with FINCA Jordan since 2019. Previously, Kabir worked as CFO with FINCA Afghanistan for more than 4 years and before that, with Deloitte in Audit & Assurance Department. He led the team in Statutory Audits of major financial institutions including FINCA, various Banking, Telecom, Trading and other development institutions both in Pakistan and Afghanistan. Prior to working with Deloitte, he worked for Care International Pakistan.
He possess a great deal of experience in the fields of financial analysis, financial decision making, budgeting, financial management, accounting and regulatory requirements. He has more than four (4) years of experience in microfinance industry while a total of 11 years of experience in different fields relating to accounting, financial management and auditing. Kabir’s exposure to a wide spectrum of industries with a variety of work experience has provided him with an insider view of the key business processes within an organization, risk management procedures, accounting, corporate governance and regulatory as well as accounting framework in a wide array of industries.
Kabir has completed his CA article ship of Institute of Chartered Accountants of Pakistan from Deloitte Islamabad. He is a Chartered Accountant (ACA), Certified Professional Accountant (CPA-UK), Member of Institute of Financial & Professional Accountants, and possess a graduate degree in Economics and Statistics from University of the Punjab Lahore Pakistan.
Rula Shumali, the Human Resources and Training Manager of FINCA Jordan is directly responsible for managing the Human Resources and Training in the organization.
She started with FINCA Jordan since 2007 and is considered instrumental in starting up the Human Resources function in the company and has contributed to the overall establishment, development and ongoing improvement of the department.
As a valuable member of the senior management, her opinion, ideas, and contributions are important to the continued success of the organization. Rula has previous experience in Human Resources, Training, and Administration in the hospitality and production sectors. She has also worked as a Business Process Analyst in EDF Energy in UK.
Rula has a bachelor degree in Business Administration from the University of Jordan and an MBA from the University of Exeter-UK, specializing in Human Resources and Organizational Change. She is also a member of the Society of Human Resources Management (SHRM) and a certified professional in Human Resources (PHR).
Mustafa AL-Najjar , FINCA Jordan IS Manager , responsible on oversee the IS Department, provide technical and administrative support for IS applications and IS infrastructure across head office and branches of FINCA.
Develop a Portfolio of IT Services that support the goals of the organization, deliver value and achieve a positive ROI , Develop strategies and action plans to align technology to business processes of the Company. Analyze business requirements and translate into technology solutions. Develop, implement and maintain policies and procedures related to information technology based on FINCA’s Global IS policies. Measure, monitor and optimize IT Services and good performance of the area as a service provider. Develop, implement and maintain Information Security Plan and Business Continuity Plan.
Mustafa has bachelor and master degree in Computer Information System, specialization in Data Mining from Yarmouk University; has more than 12 years’ experience in Information technology,
Mustafa has many certificates as PMP , MCP ,MCTS ,In addition to many courses as CCNA , CCNP , CISA , Oracle data base administrator and developer ,MCSE , Performance Management training , Interviewing skills training, Conflict Awareness training and others .
Mustafa is member in project management institute and member on PMI Jordan chapter, also member in IEEE (Institute of Electrical and Electronics Engineers).
Mohammad Khlaif is Currently Risk and internal control manager FINCA Jordan.
Mohammad has almost 10 years’ experience, as external Audit in private company has an experience in banking and microfinance sectors.
Mohammad Khlaif holds a bachelor’s degree from Al Al-Bayet University, for Finance and Banking Science.
Mohammad Khlaif started his work with FINCA Jordan an internal control officer on 2011 and he got several promotions until the position of Risk and internal control manager due to his achievement and commitments, Mohammad Khlaif is a Compliance and anti-money laundering Certified, In addition Internal audit, Operational Risk management, Risk management from USAID and many other courses.
Anas Al-Qaisi is currently FINCA Jordan Operations Manager whose responsible to supervise branches achievements through implementing a sufficient planing and budgeting to increase active number of clients and portfolio for each branch
Anas has more than 10 years of experience in the operational field through improving the operational systems, processes and policies in support of organizations mission — specifically, support better management reporting, information flow and management, business process and organizational planning.
Anas is also managing to increase the effectiveness and efficiency of service departments (Marketing,Admin,HR, IT and Finance), through improvements to each function as well as coordination and communication between support and business functions.
Anas significant role in long-term planning, including an initiative geared toward operational excellence by overall financial management, planning, systems and controls.
He started his work in FINCA Jordan as a loan officer and got many promotions until he reached the position of Operations Manager due to his excellent work and performance.
Khaled Abu-Sammour currently is the Manager of the Administration department in FINCA Jordan . In charge of leading the Administration affairs at Head Office and Branches .
Khaled has more than eighteen years of experience in different positions related to banking system and commerce . He worked as the operations and center manager in VFSTasheel International . And he has bachelor degree in Commerce and Banking from Al Mansour University, Baghdad-Iraq 1997.
Ghada Malouf is a Marketing Manager with a total of 10 years’ experience in managing marketing programs, brand management, communication, public outreach and event management. Prior to joining FINCA Jordan, she worked in strategic business development and marketing at several companies. Notable is her role as Marketing Manager at the Grand Millennium Hotel while she managed several marketing campaigns, served as liaison with third-parties engaged in market research activities and other marketing activities.
Ghada moved from the Corporate sector to the development sector to be part of the US 275$ million grant to Jordan Manager by the Millennium Challenge Account (MCA-Jordan), she managed several public outreach events, Press conferences and focal point for external partners and sponsors, stakeholder communication and relationship management.
Ghada’s greatest strengths are her creativity, drive and leadership. She thrives on challenges, particularly those that expand the company’s reach.
Ghada holds a bachelor’s degree from Jordan University for Science and Technology in Nutrition and Food Technology and continued her study to have a Certification from the American Institute as Certified Marketing Manager (CMM).
Lubna Saada is currently the Corporate Audit Manager at FINCA JORDAN; she brings more than 14 years of experience in Internal and External Audit and Finance in manufacturing, advertising, commercial and consultation industries.
Lubna is a Certified Public Accountant (JCPA), Certified Management Accountant (CMA) , accomplished lot of advanced courses in Auditing , Accounting , Finance, Management .
She is a member of IMA ( INSTITUTE OF MANAGEMENT ACCOUNTANTS -USA),
JAMA(JORDANIAN ASSOSIATION OF MANAGEMENT ACCOUNTANTS) ,
JACPA( JORDANIAN ASSOCIATION OF PUBLIC ACCOUNTANTS) .
FINCA Impact Finance Global Leadership
The FINCA Impact Finance global Management Team leads a global organization of more than 12,000 employees
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