JS Momentum Factor ETF (-) | JSETF: - INAV
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Mr. Atif S. Malik serves currently as the Chief Operating Officer at JS Bank Limited, he oversees Retail Banking, which includes branch banking, SME financing, Private banking, and Consumer lending.
His professional journey commenced as a Research Associate at Lahore University of Management Sciences, focusing on research in the MSME sector. With a career spanning twenty-six years, Mr. Malik has accumulated diverse experience in retail banking, microfinance, strategy development and implementation, business transformation, and MSME development. He has been instrumental in establishing new business verticals within the financial sector, both internationally and in Pakistan, showcasing a successful track record in business turnaround.
Mr. Atif holds a Master of Arts degree in Economics from Forman Christian College, University, Lahore. His career has involved collaborations with prominent financial institutions such as Standard Chartered Bank, Al-Rajhi Bank-KSA, and HBL Microfinance Bank. Additionally, Mr. Malik has shared his expertise with microfinance banks in East and Southern Africa. Notably, he played a key role in establishing the Small and Medium Enterprise Development Authority (SMEDA) in Pakistan.
Highly accomplished executive from Austria with extensive leadership experience across the international energy and chemicals industry, financial-market ecosystems, and public policy shaping. Brings strong expertise at the intersection of geopolitics, macroeconomics, regulatory design, and public-policy strategy, with a proven ability to translate complex geopolitical and economic developments into actionable business strategies that enable sustainable growth, asset optimization, and market expansion.
Demonstrated success in shaping policy and regulatory environments for industrial, financial, and investment institutions while managing complex cross-border risks. Builds and sustains high-impact partnerships with governments, sovereign wealth funds, global banks, multilateral agencies, and financial regulators.
Recognized for strategic foresight, analytical rigor, and negotiation skills, with the ability to communicate complex geopolitical, economic, and technical issues to senior financial, corporate, and governmental stakeholders. Supported by a global network across Europe, MENA, CIS, the Americas, and Asia-Pacific, consistently driving favorable policy, investment, and transaction outcomes that enhance enterprise value.
Ahsan Jamal is a distinguished Digital Transformation and Innovation Specialist currently serving as the Chief Digital Officer (CDO) at JS Bank Limited. He possesses over two decades of extensive leadership experience in developing and managing digital strategies, specifically focused on Digital Banking, Payments, Cards/Acquiring Business, FinTech, and Digital Financial Services. He has been a pivotal force in shaping the digital direction of the organizations he has served.
At JS Bank, he is responsible for steering the enterprise-wide digital strategy, aligning it with core business objectives to drive revenue growth, enhance customer engagement, and optimize operational efficiency. Prior to JS Bank, he has led Digital Transformation at Habib Metropolitan Bank, Samba Bank and Faysal Bank. His pioneering track record includes the launch of Pakistan's first third-party merchant acquiring network (KEENU) and establishing NIFTePay at National Institutional Facilitation Technologies (NIFT), demonstrating a sustained commitment to creating inclusive and interconnected payment systems.
Ahsan’s academic qualifications include a Masters of Business Administration (MBA) from IoBM, a Masters of Computer Science (MCS) from SZABIST, and a Bachelors of Computer Science (BCS) from BCCI FAST.
A seasoned banking professional with more than 30 years of Retail banking experience Syed Kazim Raza has an Electrical Engineering background with management certifications from Nottingham Trent University and The Securities Institute( Both UK ) . He is a Fellow, Institute of Bankers , Pakistan and Certified as a Director from Institute of Cost and Management Accounting .
He is currently the Group Head ofBranch Distribution & Transaction banking at JS Bank Limited with whom he has been associated for the last three years. Prior experiences include Country Head of Branch Banking at both Standard Chartered Bank and Faysal Bank . Prior to joining JS Bank, he was the Group Head of Retail Banking in Burj and AlbarakaBank , Pakistan . Mr. Kazim has represented all the above banks in numerous international conferences and workshops. (CSAA).
Mr. Musab Iqbal (Vice President, REITs)
Musab Iqbal joined JS Investments in March 2023. At JS Investments, Musab leads the REIT department and REIT advisory team. Musab brings extensive real estate experience to the forefront. Recognized for his strategic developmental advisory in the real estate sector, he diligently monitors market dynamics, spearheads business development, and fosters relationships with both local and multinational clientele while managing qualitative and quantitative countrywide real estate research at JSIL.
Prior to joining JS Investments, Mr. Musab has extensive experience working for Multinational Real Estate Investment advisory firms where his expertise spans designing detailed real estate project feasibilities, project valuation, and offering acquisition and development recommendations for real estate projects of varying scales. His analytical prowess is evident in real estate valuations and project viability evaluations, complemented by competitive analysis exercises for numerous projects and studies.
Musab holds an MSc. in Investment and Finance from the University of Strathclyde, United Kingdom.
