Find out more about our team members below
Management Team
Khurram Gul Agha
President & CEOKhurram Gul Agha
President & CEOMr. Khurram Gul Agha was appointed President & Chief Executive Officer of Pagasa Philippines Finance Corporation, effective February 16, 2026. Prior to this appointment, he served as Chief Transformation, Digital, and Information Officer (CTIO) at ASA Microfinance Bank (Pakistan) Ltd. from January 2025. Mr. Agha brings over 25 years of financial services experience, including more than 15 years in senior executive leadership roles, and is widely regarded as a seasoned leader in Digital Financial Services (DFS). His expertise encompasses information technology, digital banking, enterprise-wide digital transformation, business and product development, performance analytics, and strategic execution. He is also highly experienced in risk management, fraud prevention, and operational optimization, enabling the delivery of digital-first strategies, seamless customer experiences, and innovative financial products. Throughout his career, Mr. Agha has led transformational initiatives across conventional, Islamic, and microfinance banking institutions in Pakistan, consistently accelerating digital adoption and strengthening institutional performance.
Md Khalilur Rhaman
Head of OperationsMd Khalilur Rhaman
Head of OperationsMd Khalilur Rhaman was appointed Head of Operations at Pagasa Philippines Finance Corporation effective October 10, 2025. He graduated from Rajshahi University, Bangladesh, in 1992 and brings more than 32 years of experience in the microfinance sector. He began his career with ASA Bangladesh in 1994, serving in leadership roles including Branch Manager, Regional Manager, District Manager, and Zonal Manager. His international experience spans ASA India and Pagasa Philippines, further strengthening his expertise in inclusive financial services. From 2015 until his recent appointment, Mr. Rhaman served as Deputy Managing Director of ASA Uganda Ltd, where he played a pivotal role in advancing the organization’s mission. Today, as Head of Operations at PPFC, he continues to drive strategic growth and promote sustainable financial solutions that empower communities.
Omar P. Pineda
Head of TechnologyOmar P. Pineda
Head of TechnologyOmar P. Pineda was appointed Head of Technology at Pagasa Philippines Finance Corporation (PPFC), effective May 2, 2024. He brings over 25 years of experience in Information Technology, with expertise in digitalization, cybersecurity, and compliance. Before PPFC, Mr. Pineda held leadership roles at CIBI and UCPB, served as a senior IT consultant with IBM Philippines, and spent more than a decade in Singapore with Avnet, UOB, and OCBC. He holds a bachelor’s degree in Computer Engineering from the Mapua Institute of Technology (MIT) in Manila. His career spans banking, insurance, credit bureaus, and IT services, reflecting a broad and strategic perspective on technology leadership.
Ruscely A. Sanchez
Head of Human ResourcesRuscely A. Sanchez
Head of Human ResourcesRuscely A. Sanchez was appointed HR Head at Pagasa Philippines Finance Corporation (PPFC), effective March 17, 2025. She brings over a decade of expertise in human resource management across various industries. Before joining PPFC, she held leadership positions, including Chief People Officer at South Asialink Finance Corporation, HR Head at RGS Recovery Management and Collection Services, and HR Senior Manager at both Laus Group of Companies and AEON Credit Service (Philippines) Inc. In her current capacity, she directs the full range of HR functions, ensuring strategic alignment with organizational objectives. She earned her Master’s degree in Human Resource Management from the University of Santo Tomas and holds a Bachelor’s degree in Psychology from Saint Louis University.
Atty. Dyan Marie A. Lucero
Corporate Secretary & Head of LegalAtty. Dyan Marie A. Lucero
Corporate Secretary & Head of LegalAtty. Dyan Marie A. Lucero was appointed Corporate Secretary on 18 August 2025 and Head of Legal at Pagasa Philippines Finance Corporation, effective February 16, 2026. She brings with her eight years of solid experience in business and corporate law, public policy development, and contract negotiation. Her expertise covers corporate governance, corporate secretarial functions, oversight of non-stock, non-profit corporations, and the regulation of microfinance NGOs under specialized Philippine legislation—a niche field in which she has established herself as a recognized authority. She earned her Bachelor of Laws from the University of Santo Tomas in 2017, the same year she successfully passed the Philippine Bar. She also graduated cum laude with a Bachelor of Arts, Major in Legal Management from the same institution. Before joining Pagasa, Atty. Lucero held key legal positions, including Chief Counsel at the Securities and Exchange Commission, Secretariat Counsel of the Microfinance NGO Regulatory Council, Contract Counsel for the London Stock Exchange Group, and Legal Counsel, Office of the Corporate Secretary of Filinvest Land, Inc.
Carolyn Q. Arceo
Head of Risk & ComplianceCarolyn Q. Arceo
Head of Risk & ComplianceMs. Carolyn Arceo was appointed Manager of Risk and Compliance on June 3, 2024, and later assumed the role of Head of Risk and Compliance at Pagasa Philippines Finance Corporation, effective January 1, 2026. She brings over two decades of experience in the banking and finance industry, with strong expertise in portfolio management across both commercial and consumer sectors. Her specialization includes credit review, underwriting, and risk management, making her a seasoned leader in safeguarding institutional integrity and financial soundness. Before joining Pagasa, Ms. Arceo served as Head of the Risk Management Department at a cooperative bank, where she honed her skills in developing and implementing risk frameworks. She holds a Bachelor of Science in Commerce, majoring in Legal Management, from De La Salle University (DLSU).
Ma. Socorro C. Ates
Head of Corporate Affairs & Brand ManagementMa. Socorro C. Ates
Head of Corporate Affairs & Brand ManagementMs. Socorro Ates is the Head of Corporate Affairs & Brand Management at Pagasa Philippines Finance Corporation (PPFC), a position she assumed on February 1, 2026. She first joined PPFC in 2012 to establish the Microinsurance Mutual Benefit Association, the company’s microinsurance arm, and later transitioned in 2018 as Deputy Manager of Sustainability. With expertise in microfinance, microinsurance, and corporate social responsibility, she has implemented inclusive financial solutions that empower underserved communities and executed sustainability strategies that balance social impact with organizational growth. She is also a strong advocate of financial literacy and ethical practices aligned with global sustainability standards.
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. 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.
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.