Management Committee

Mr. Said Gul is the Managing Director of Pak-Qatar Family Takaful and CEO & MD of Pak-Qatar General Takaful (the most successful Takaful group in Pakistan today and sponsored by some of the strongest financial institutions from the state of Qatar). Mr. Gul is a prominent Pakistani businessman in the State of Qatar. Presently, he is working as Executive Director of Eurotec Projects Development for Oil & Gas (a Trading and Consultancy Enterprise). Earlier, he had been associated with Qatar Petrochemical Company as Head of General Services for a period of 17 years. Thereafter, he was Director Operations at Al-Muftah Projects & Industrial Services for 14 years.

Mr. Said Gul is a very simple and straight-forward person despite his accomplishments including leading the group in achieving break-even in just a short span of time of one year.

He believes in hardwork, honest deliverance of responsibilities and ultimate faith in Allah for success.He has amply put into practice the belief that a true leader is honest, fair and accessible to the benefit of his group, colleagues as well as the society in general.

His professional approach can be summed up in his view that with power comes responsibility and that is the first professional quality he looks for in people exhibiting leadership qualities.

He has successfully exhibited a merger of Islamic and professional excellence during his illustrious career. He has encouraged deep research into what Islam determines to be ideal rather than simply permissible and has kept an eye on the latest technological advances.

In addition to his contribution to the economies of both Qatar and Pakistan, he has also played a pioneering role in promoting friendship between the two countries and their business communities. Mr. Said Gul is in the board of Executive Members of the Pak-Qatar Business Forum and among founding leaders of the Pakistan Welfare Forum in Doha.

He has also contributed to spreading awareness about Takaful through articles in leading international professional publications. Mr. Gul has represented Pak-Qatar Group at various prestigious international forums.

During his tenure, Pak-Qatar Takaful Group has taken gigantic strides and emerged as the market leader of Pakistan’s industry. He has completed a number of mega projects in Qatar.Under his leadership, the company has made tremendous progress not only in operations and business but also gained recognition as a leading corporate identity. He has the distinction of successfully promoting Takaful in Pakistan, expanding the network of Pak-Qatar Group across the country and introducing innovative new products.

Mr. Muhammad Nasir Ali Syed is a qualified ALMI with M.Sc. in Biochemistry. He has 16 years of experience in Life Underwriting, Group Operations, Health Administration & Claims, etc. His core responsibilities include Group Health Insurance Underwriting, Group Health Insurance Pricing and Administration, Group Life Insurance Underwriting, Group Life Insurance Administration, Life Insurance Claim Investigation (Death, Disability, Health etc.) and System development of Group Health, Group Life and Individual Life among others.

Mr. Muhammad Menhas – Head of Country Sales & DCEO

Mr. Kamran Saleem is a Fellow Member the Institute of Chartered Accountants of Pakistan (ICAP); Institute of Cost and Management Accountants of Pakistan (ICMAP); Institute of Corporate Secretaries of Pakistan (ICSP); and Pakistan Institute of Public Finance Accountants (PIPFA). His educational achievements include three gold-medals in ICAP; Certificate of Merit in ICMAP and Second position in PGD.

Serving as Chief Financial Officer and Company Secretary, Mr. Kamran Saleem has been instrumental in aligning Company policies and practices with internationally recognized best practices, and has striven to streamline all the various processes related to Company finances and financial management. Moreover, he has been appointed Head of Human Resource Department, which is an extremely challenging and sensitive position given that the Company has made it a point to empower its employees and promote an ideal professional culture. Mr. Kamran Saleem’s leadership qualities are evident by his expert handling of these diverse core functions which are a testimony to his all-round abilities.

Saqib Zeeshan currently head’s the Takaful Distribution Team (Corporate) at Pak-Qatar Family Takaful Limited. He has over 14 years of work experience in Insurance and Takaful sector. His primary responsibility is to manage, plan and control the core functions of the Takaful Distribution Team (Corporate) department to ensure a smooth and successful operation and to meet/exceed the customer’s need through maximum utilization of available resources. He holds an MBA degree as well as PGD in Islamic Banking and Finance.

He Joined Pak-Qatar as founding Head of Underwriting in April 2007. He is currently responsible for Individual Family operations of the company including, Underwriting, BancaTakaful operations, Branch Operations & Participant Benefit services. He had a total experience of 15 years in life insurance operations before joining PQFTL. He is also designated as Compliance officer of the company for AML compliance as per SECP regulations. He is an MBA by qualification with professional qualification of ACS & FLMI (LOMA) and PGD in Islamic Finance from Centre of Islamic Finance.

As Head of Marketing, Mr. Adnan Hasan is responsible for building and managing the Company’s corporate identity, product branding, and collaboration with the media. He has rich experience in brand activation, and is regarded as the pioneer in introducing 3D exclusive graphics technology and virtual holographic medium in Pakistan, technology which he still owns. Mr. Adnan Hasan, as Head of Marketing at the premier Takaful company in Pakistan, introduced Takaful to the masses by figuring out the clientele's psychological preferences, aesthetic leanings and language barriers. To that end, he has had to draw on his immense experience in brand management and advertising to successfully establish a distinct corporate identity for the Company.

Mr. Adnan Hasan started his career from Manhattan Leo Burnett and thereafter launched his own company by the name of POPSHOP Media and holds an MBA degree. He is a member of Point of Purchase Association International (POPAI) USA and POPASIA (India). He has attended a number of seminars and workshops in Europe on retail marketing and brand building.

Mr. Muneeb Afzal Lone has conducted and supervised audits of large public and private companies including banks, insurance companies and manufacturing and trading enterprises. He has been associated with Pak-Qatar General Takaful Limited since 2008, and has made himself invaluable to the Company since then with respect to business investigation and performance evaluation. He is tasked with ensuring the Company’s compliance to IIA’s standards for professional practices. He has performed many special assignments for the Company, and was a member of the Steering Committee of SAP ERP implementation. To his credit, Mr. Lone allows for initiative and independent judgement amongst his team members, thus encouraging initiative and rigor.

By qualification, Mr.Saifuddin is Bachelor of Science in Statistics and holds several certifications in the fields of engineering and information technology. He has been Head of Administration for Pak-Qatar Family Takaful Limited since January 2007. He holds over 14 years of diversified experience in the areas of Administration and Software Support. Prior to joining the Company, he was associated with various IT Solutions companies, and now looks after effective and efficient completion of all tasks that require discipline and proper working procedures.

Mr. Fakhari-Alam is a qualified FLMI/M and MBA graduate. He has over 20 years of experience in Claims, New Membership Assessment (Underwriting) and Customer Service. He currently heads the Participant Benefits Services (PBS) and Distribution Support Services, departments. His core functional area of Customer Service is a major area covered by our operations department. All services and information required by our Participants and Consultants related to Individual Takaful Products are provided by his team deployed across Pakistan at our branches as well as the Head Office.

Mr. Ishaq Kothawala is a candidate for the Associate of Society of Actuaries (ASA). He heads the actuarial services department at Pak-Qatar Family Takaful whose main focus is on the analysis of mortality, the production of probabilistic scenario, and the application of formulae to produce scenarios from which appropriate policies can be derived. Mr. Kothawala ensures the accurate and effective application of actuarial science to Takaful policies issued to clients ensuring risk is correctly assessed, communicated and priced

Mufti Zahid Sangharwi completed his dissertation in Islamic Jurisprudence with an outstanding record throughout his academic career, winning numerous awards. Well-versed in the sciences of Islamic Jurisprudence, Mufti Zahid focuses on presenting Islamic solutions to problems related to the modern existence, thereby applying his acumen in bringing the modern world abreast with the Shariah. He provides Takaful and Risk Management training to the Company’s employees. At the same time, he is responsible for complete coordination between the management and Shariah Advisory Board of the Company for all activities in the Company which have a legal bearing with respect to the Shariah. Thus, he ensures overall Shariah compliance by monitoring and auditing the application of Takaful to different situations.