Our Team

Our project is proudly led by an experienced management team committed to ensuring its position as a leader and innovator in collateralized loans. Our team has excellent experience in administration and business development as well as in Finance and IT.

Muhammad Farooq BILAL

Chief Executive Officer
Muhammad Farooq Bilal is a goal-oriented and ever-evolving Marketing & Finance Professional with hands-on experience in Financial Sector, Product Development, and Financial & Credit analysis. His excellent organizational skills make Muhammad a great CEO and an essential part of the professional team of the AACL. He holds a Master’s Degree majoring in Finance, Banking & Economics.

Muhammad WAQAS

Chief Operating Officer
Muhammad Waqas is a dedicated professional with more than ten years of experience in Finance. He is recognized for consistently achieving sales targets and cross-selling bank products. He has excellent planning, problem-solving, decision-making development and technology-related skills. Muhammad completed the MBA program majoring in Finance in 2010.

Muhammad WAQAS

Chief Financial Officer
Muhammad Waqas is a Chief Financial Officer at AACL who is skilled in numerous financial and accounting fields, including preparing annual budgets, monitoring key accounts and credit control. He can handle complex assignments effectively and possesses the confidence to work as part of a team or independently. Muhammad holds a Bachelors’ Degree in Applied Accounting.

Muhammad IRFAN

Chief Technology Officer
Muhammad Irfan is a talented marine engineer with extensive 22 years of experience in the shipping industry. He has a high level of professional and interpersonal skills that makes him responsible for solving the organization’s technological issues at the AACL. Muhammad completed a Bachelor’s Degree in Maritime Studies with Ship Technology.