Amin Abdul Ghani brings a wealth of experience in credit risk management, honed over nearly three decades in commercial real estate, SME markets, and both Islamic and conventional banking. He began his career at Citibank, where he was part of the pioneering team that introduced credit cards to Pakistan. This venture marked a pivotal moment in Pakistan’s financial landscape, with Amin establishing foundational sales and operational strategies that ensured the product’s successful market entry and growth.

His innovative approach led to the creation of a Supply and Installation Lending Product for contractors, which improved finance accessibility and cut approval times by 50%. Additionally, he played a crucial role in mentoring his team in risk management and credit assessment, elevating the department’s capabilities and aligning their efforts with broader bank objectives.

Beyond banking, Amin is known for his mentorship approach, helping young professionals understand the nuances of credit risk and strategic decision-making, which has inspired many in the industry.  He’s an advocate for financial literacy in emerging markets, believing that accessible finance is key to economic growth, especially for SMEs that drive innovation and job creation. Amin has a passion for technology in finance, constantly exploring new tools and frameworks to streamline credit evaluation, reduce risk, and accelerate decision-making processes in today’s digital-first economy.