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Mr. Atif Salim Malik

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Mr. Atif Salim Malik (Director)

Mr. Atif S. Malik serves as the non-executive director at JS Investments, bringing his extensive expertise to the team. Currently serving as the Chief Operating Officer at JS Bank Limited, he oversees Digital banking, Retail Banking, which includes branch banking, SME financing, Private banking, and Consumer lending and Customer Experience.

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-eight 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 Masters 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, in his role as Managing Director, Mr. Malik disseminated his knowledge and expertise to microfinance banks throughout East and Southern Africa. Notably, he played a key role in establishing the Small and Medium Enterprise Development Authority (SMEDA) in Pakistan.