Find out more about our team members below
Management Team
T I M Fakruzzaman
President & CEOT I M Fakruzzaman
President & CEOMr. Fakruzzaman has a Bachelor’s degree in Geography of the University of Chittagong, Bangladesh and completed his master’s degree from the University of Dhaka, Bangladesh. He is a microfinance practitioner with more than twenty-five years of experience. He started his career at ASA Bangladesh, the NGO. His areas of expertise include field operations, program and management monitoring, partnership and development programs, disaster and delinquency management, conversion of microfinance programs from group liability to individual liability approach and he is specialized in product, process and methodology designed for microfinance. In 2004, he was sent by ASA Bangladesh to the Philippines as one of the Consultants of the UNDP-Micro Start Program (MSP), as ASA Bangladesh was the lead International Technical Service Provider of the program. From 2004 to 2006 he was assigned as Consultant for CARD-MRI, the largest microfinance institution in the Philippines. In 2007, shortly after returning to Bangladesh, ASA International assigned him to establish and manage the Philippine operation of ASA International, Pagasa Philippines Finance Corporation, where he presently serves as the President and CEO.
Md. Shamsul Hasan
Deputy PresidentMd. Shamsul Hasan
Deputy PresidentMr. Shamsul Hasan holds a Bachelor’s degree in Commerce from Dhaka University, Bangladesh. He joined ASA Bangladesh, the NGO in 1993 as Manager of Finance and MIs. In 2011, he was promoted to Joint Deputy Director for Operations and in 2016 he served as Joint Deputy Director for Risk Management. In 2006, he provided consultancy services to Total Rural Development Cooperatives in the Philippines. He has attended courses on financial analysis, risk management, management strategies and SME financing in Bangladesh and Thailand. He brings to Pagasa 24 years of experience in microfinance operations, financial management, and risk management.
Md. Azizur Rahman
Chief Operating OfficerMd. Azizur Rahman
Chief Operating OfficerMr. Azizur Rahman has a Bachelor degree in Commerce and Master’s degree of Commerce from the University of Rajshahi, Bangladesh. He has more than 22 years of experience in microfinance and social development sectors on a managerial and supervisory level. He started his career in microfinance by joining ASA Bangladesh. Mr. Rahman held various positions such as, Area Supervisor/Branch Manager, Regional Manager, Divisional Manager, Cluster Manager and rose to the position of Assistant Director of Programs. His expertise is in program design, product development, and financial model design for microfinance operations, planning, monitoring, financial ratio analysis and institutional assessment of microfinance programs.
Genaro L. Kong
Chief Financial OfficerGenaro L. Kong
Chief Financial OfficerMr. Kong is a graduate from the National College of Business Administration with a Bachelor’s degree in Business Administration and a major in Accounting. He is a Certified Public Accountant (CPA). He has a Master degree in Business Administration (MBA), Major in Finance from De La Salle University Graduate School of Business, Philippines. He joined Pagasa Philippines in 2011 as Finance and Accounting Manager. Prior to joining Pagasa Philippines, Mr. Kong worked at Singer Asia Retail and its subsidiaries specifically in the Philippines.
Omar P. Pineda
IT HeadOmar P. Pineda
IT HeadMr. Pineda earned his bachelor’s degree in Computer Engineering from Mapua Institute of Technology (MIT), in Intramuros, Manila. He has over 25 years of experience in different levels of Information Technology, including digitalization and cybersecurity. He has been a computer programmer, systems analyst, IT consultant, and IT department head. His wide range of business systems exposure includes banking, insurance, credit bureau and IT vendors and service providers. Prior to his appointment as the Head of IT, he served as the IT department head at CIBI and UCPB, handling the enterprise teams of IT professionals. He was also a senior IT consultant at IBM Philippines and with Avnet, UOB and OCBC in Singapore for more than ten years.
Atty. Joselito L. Fernandez
Corporate SecretaryAtty. Joselito L. Fernandez
Corporate SecretaryMr. Fernandez has extensive work experience in accounting, finance and administration acquired from various industries, notably, commodity futures trading, finance, banking, education, IT-enabled engineering and shared services. Prior to joining Pagasa, he worked at Odfjell Drilling Philippines Corp. in Makati City as its Chief Financial Officer. A Certified Public Accountant and lawyer by profession, Mr. Fernandez has a bachelor’s degree in Commerce and a bachelor’s degree in law from the University of Nueva Caceres in Naga City and Arellano University in Manila, respectively.
Joan S. Alfarero
Junior Asst. Director for Finance and AccountsJoan S. Alfarero
Junior Asst. Director for Finance and AccountsMs. Alfarero is a Certified Public Accountant with 11 years of professional experience in audit, accounting and treasury services. She has five years of in-depth external audit and tax experience at EY Philippines in manufacturing, information technology, advanced communication services, investment property, investment funds, mining, logistics, schools, service and trading industries; and four years of treasury accounting experience at Nestle. She has also performed comptrollership activities for various wholesale and retail companies. She joined Pagasa in January 2019 as a Senior Accounting Manager. She also manages the various relationships with local banks and government agencies.
Ann Margaret DL Sacro
Sr. Manager, HR & Administration DepartmentAnn Margaret DL Sacro
Sr. Manager, HR & Administration DepartmentMs. Sacro is a graduate of B.S. Psychology at St. Paul College of Iloilo, with a Certificate Course in HR Strategic Planning at Dela Salle College of St. Benilde and has 9 units of Masteral Degree in Values Formation and Education at the Miriam College Foundation. She has more than 20 years of experience in the field of Human Resource Management. Her area of expertise includes all HR facets particularly in Philippine labour law and jurisprudence, training and developmental programs, public speaking, presentation and communication.
Atty. Khristopher Ian D. Magboo
Legal CounselAtty. Khristopher Ian D. Magboo
Legal CounselAtty. Khristopher Ian Magboo has been in the Legal Profession for seven (7) years with experience in handling civil, criminal, labor and environmental cases. He took the Philippine Bar in 2016 and admitted the following year. Prior to becoming a lawyer, he is in the academe and active in youth organization and formation. He obtained his Pre-Law course with the degree in Bachelor of Arts Major in Political Science, with Academic Distinction from the University of San Agustin, Iloilo City in 2005. He finished his Bachelor of Laws in the same university in 2009. Prior to joining in PPFC, he was a public attorney in Lucena City and an associate lawyer in one of the law offices in Imus City, Cavite. Atty. Magboo is the in-house Legal Counsel and Head of the Legal Department of Pagasa Philippines Finance Corporation.
Carolyn Q. Arceo
Risk & Compliance ManagerCarolyn Q. Arceo
Risk & Compliance ManagerMs. Arceo has more than 20 years of experience in the banking and financing industry specializing in portfolio management for both commercial and consumer sectors. Her expertise includes credit review, underwriting and risk management. Before joining PAGASA, she served as Head of the Risk Management Department at a cooperative bank. Ms. Arceo holds a Bachelor of Science degree in Commerce, majoring in Legal Management, from De La Salle University (DLSU).
Delbert F. Dapito
Asst. FMPU Unit ManagerDelbert F. Dapito
Asst. FMPU Unit ManagerMr. Dapito is a graduate of Tarlac State University, one of the oldest universities in the City of Tarlac. He brings 13 years of extensive experience in the audit department, having served as both a Senior Field Auditor and an Audit Officer. Over the course of his career, he has developed strong expertise in financial auditing, successfully leading numerous audit engagements across various branches of PPFC. His efforts have ensured strict adherence to regulatory standards while enhancing internal controls. Mr. Dapito’s analytical skills and attention to detail have been instrumental in identifying process improvements and mitigating risks related to fraud and misappropriation. He remains committed to maintaining the highest standards of integrity and accuracy in all audit processes, consistently fostering a culture of transparency and accountability within the organization.
Board of Directors
T.I.M. Fakruzzaman
T.I.M. Fakruzzaman
Mr. Fakruzzaman is an ex-officio member of the Board of Pagasa Philippines by virtue of his position as country head.
Md. Shamsul Hasan
Md. Shamsul Hasan
Mr. Hasan is an ex-officio member of the Board of Pagasa Philippines by virtue of his position as Deputy President.
Md. Azizur Rahman
Md. Azizur Rahman
Mr. Rahman is an ex-officio member of the Board of Pagasa Philippines by virtue of his position as Chief Operating Officer.
Genaro L. Kong
Genaro L. Kong
Mr. Kong is an ex-officio member of the Board of Pagasa Philippines by virtue of his position as Chief Financial Officer.
Eufrecina T. de Jesus
Eufrecina T. de Jesus
Ms. De Jesus is an ex-officio member of the Board of Pagasa Philippines by virtue of her position as Consultant.
Ronald T. Chua
Ronald T. Chua
Mr. Chua is a cum laude graduate in Industrial Engineering from the University of the Philippines. He finished his Master in Business Administration at the Asian Institute of Management (Philippines). Since 1992, Mr. Chua has been involved in the microfinance sector in various capacities. His roles in the sector have included being a practitioner, a board member, a researcher, a policy and industry advocate, a trainer, workshop facilitator, educator, and consultant. His field of expertise includes operations, strategy, social entrepreneurship, and microfinance and microenterprise development.
Azim Hossain
Azim Hossain
Azim Hossain assumed the role of Chief of Operations ('CO') of ASA International in July 2023, having served as the Group's Director of Investment, Treasury and Risk Management since 2005. Mr Hossain has over 34 years of experience in the microfinance industry, having worked for 20 years at ASA NGO Bangladesh, where he held various positions including Director of Finance & MIS and Senior Finance Professional. At ASA Bangladesh, Mr Hossain established the finance and MIS systems, was involved in the development and design of the AMMS, assisted in the establishment of risk management frameworks and was in charge of the NGO Partnership Programme, providing technical and financial assistance to microfinance institutions. He has also worked with the UNDP MicroStart programme in the Philippines and Nigeria, where he was responsible for development, products and services, financial management, performance analysis and business planning.