About Us
Our mission is to empower businesses of all sizes to recover outstanding debt efficiently and ethically, thereby improving their cash flow and operational stability. We are committed to treating every debtor with dignity and fairness, transforming a challenging process into an opportunity for constructive resolution.
Dilshad Ali Ahmad
Chief Executive Officer
Former President/CEO, SME Bank
He brings over 38 years of extensive and versatile experience in fiscal, strategic, and operational leadership, with a proven track record of performance in challenging situations. Recognized as a results-oriented leader, he is skilled in driving organizational improvements, implementing best practices, and fostering growth and profitability.
He has held positions in National Bank of Pakistan, Small Business Finance Corporation, Zarai Taraqiati Bank Limited, and SME Bank Limited.
...
Notable achievements in recovery include:
• As Group Head Operations (2014–2018), reduced NPLs from Rs. 840 million to Rs. 500 million—a 40% decline.
• Awarded Certificate of Appreciation (2004) for outstanding recovery performance.
• Received the “Recovery Excellence Award” (2000–2001) as Regional Manager, Lahore.
• Achieved top recovery performance as Regional Manager, Abbottabad (1996–1998).
He holds a Master of Commerce from Hailey College, University of Punjab, is a Diploma Associate of the Institute of Bankers in Pakistan, and is a Certified Director.
Sajjad Ali Ahmad
Director
Mr. Sajjad Ali Ahmad is a seasoned land developer and builder with extensive experience in planning, developing, and delivering high-quality residential and commercial projects. With a strong understanding of land acquisition, project feasibility, construction management, and regulatory compliance, he has successfully contributed to the development of sustainable and value-driven real estate projects.
...
Over the course of his career, Mr. Sajjad Ali Ahmad has built a reputation for integrity, strategic thinking, and hands-on leadership. His expertise spans the full development lifecycle—from concept and design to execution and delivery—ensuring projects meet both market demands and long-term community needs.
As an elected Director of the Company, Mr. Sajjad Ali Ahmad brings practical industry insight, sound governance perspective, and a commitment to ethical decision-making. He is dedicated to supporting the Company’s vision, strengthening stakeholder relationships, and contributing to initiatives that promote responsible growth and development.
Exclusive Interview of
Dilshad Ali Ahmad
Former President/CEO, SME Bank
Published in Sep-Oct 2021 issue of Management Accountant Jounal of
Institute of Cost and Management Accountants of Pakistan (ICMAP)
(Full text of the interview)
The Team
Experienced Hands, Expert Solutions
Syed Zill e Hassan
Chief Financial Officer / Company Secretary
Over 35 years of experience in Accounting and Finance across banking, social,
and housing sectors.
...
He has served in senior finance positions at SME Bank, Small Business Finance
Corporation, Mercy Corps International, and Telegraph & Telephone Employees
Cooperative Housing Society, Islamabad.
Educational background: Intermediate in Cost & Management Accountancy, Diploma Associate of Institute of Bankers in Pakistan, and Bachelor of Science from the University of Punjab.
Masood Mehmood
General Manager
(South)
Former Senior Vice President, SME Bank. With more than 40 years of experience.he has excelled in banking
...
operations, HR management, planning, and
administration. His track record includes:
• As Head of Special Assets Management Division (2017–2019), maintained NPLs at historically low levels.
• As Area Manager, Lahore (2003–2004), achieved the “Best Area Office” award in terms of credit and recovery.
• As Branch Manager, Lahore Cantt (SBFC), broke all previous records of loan recovery.
He holds a Master’s degree in Public Administration from
the University of Punjab.
Muhammad Ayub
General Manager
(North)
Former Senior Vice President, SME Bank. Mr. Muhammad Ayub is a highly accomplished banking professional
...
with extensive experience in strategic planning, enterprise risk management, regulatory compliance, and stakeholder relations. Over the course of his career, he has held senior leadership positions at Habib Bank Limited, SBFC, and SME Bank, where he developed deep expertise in branch and regional operations, credit administration, human resource management, and participation in board-level committees.
He holds a Master of Economics degree and is widely regarded for his disciplined leadership approach, sound judgment, and strong commitment to organizational governance and operational excellence.
Fayyaz Ahmed
Manager Operations and Administration
31 years of experience in financial institutions with strong leadership, communication, ... and negotiation skills. Specializes in loan recovery oversight, compliance monitoring, and client relationship management. Holds a Bachelor of Arts degree from the University of the Punjab, Lahore.
Contact Details
MIROOWAL (PRIVATE) LIMITED
✉ info@miroowal.com.pk
✉ miroowalco@gmail.com
📞 +92 51 4440752, +92 333 4275112, +92 300 5193356
Registered Office: 95, Jahanzeb Block, Allama Iqbal Town,
Lahore
Links