Muhammad Israr

I am an experienced banking and leasing professional with over 17 years of proven expertise in credit appraisal, risk management, relationship management, and business development. Currently serving as Chief Manager and In-charge of the Commercial Vehicle Lease Division at Bank AL Habib Limited (KP Zone), he has successfully led leasing operations, expanded portfolios, and built strong client relationships with corporate and high-net-worth customers. His career includes key leadership roles at JS Bank and ORIX Leasing Pakistan, where he managed branch operations, credit marketing, and portfolio growth with consistent performance and promotions. In addition to his corporate experience, he has served as a lecturer and acting registrar at Preston University Kohat. He holds an MBA from Kohat University of Science and Technology and JAIBP certification from the Institute of Bankers Pakistan, complemented by multiple professional trainings in credit, risk analysis, and leadership.

I am holding Master’s in Business Administration (MBA FINANCE) from Kohat University of Science and Technology, completed in 2004, and a Bachelor of Arts (BA) degree from the University of the Punjab, Lahore, obtained in 2002. He further enhanced his professional credentials by earning the JAIBP (Junior Associate of the Institute of Bankers Pakistan) certification from the Institute of Bankers Pakistan in 2021, which reflects his advanced knowledge and expertise in modern banking practices and financial management.