Asia Regional Team

Harish Karakoti

Regional Manager South Asia

Harish has responsibility for driving performance and maintaining partnerships within our South Asian markets. 

Harish joined BIMA as the Country Manager for Bangladesh, building our local operation. Prior to joining BIMA, Harish worked in technology consulting where he led cross-functional teams across geographies and managed product development initiatives in the telecommunications sector. 

Harish holds a Bachelor in Information Sciences from University of Delhi and an MBA from Columbia Business School, New York. 

Puay Lim Yeo

Regional Manager, South East Asia

Puay Lim has responsibility for driving performance and maintaining partnerships within our South East Asian markets. 

Puay Lim Yeo has five years of experience in management consulting, specialising in the Telecoms and Media sectors. Prior to joining BIMA, he was a senior consultant at Value Partners (formerly known as Spectrum Strategy Consultants) and Analysys Mason, advising telecoms and media operators in Asia in the areas of corporate strategy, product development, technology, distribution and regulation. He also previously worked in the Singapore Government in the Ministry of Foreign Affairs. 

Puay Lim holds a B.A in Political Science from Columbia University in New York City.   

Sanjana Rajgarhia

Regional Analyst

Sanjana is our Asia Regional Analyst in Singapore. 

Prior to joining BIMA, she spent two years as a project manager at a cloud-focused tech startup in Singapore. Her clients ranged from other startups to government organisations across the APAC region.

Sanjana grew up in Mumbai, India. She moved to Singapore in 2010 and has been there ever since. Sanjana holds a B.Eng. in Electrical Engineering from the National University of Singapore.

Yiling Cheah

Business Development Manager, Asia

Yiling is responsible for defining and executing our expansion strategy in Asia.

Before joining BIMA, Yiling was a consultant at Oliver Wyman and Macquarie Group, where she gained significant experience in emerging markets and microfinance. Yiling has worked on projects for institutions in Gambia, Senegal, Costa Rica and Ghana.

Yiling has a BC in Actuarial Sciences and Finance from the University of NSW (with an exchange at Wharton) and an MPA ID from LSE.

Ren Hooi

Asia Partnership Manager

Ren is responsible for driving our partnership expansion in Asia.

Prior to joining BIMA, Ren worked as a consultant at Bain & Company, where she was involved with projects in the telecommunications and consumer products sectors within Southeast Asia. She has experiences with nonprofits and social enterprises in various markets, including The Rockefeller Foundation in New York and Off.Grid:Electric, a renewable energy startup in Tanzania. Ren also worked on sales strategy and customer loyalty at Starwood Hotels.

Ren holds a B.A. in Economics from UC Berkeley and an MBA from Wharton.

Bangladesh Team

Debankur Biswas

Country Manager

Debankur has overall strategic and operational responsibility for our business in Bangladesh.

Debankur has over ten years experience in sales & distribution, portfolio management, insurance products cross-sell and contract centre management. Prior to joining BIMA, he headed up the Cards Insurance division for Citibank N.A. Previous roles include management roles for Standard Chartered Bank.

Debankur has an MBA from Faculty of Management Studies (FMS), University of Delhi and Bachelor of Engineering from Netaji Subhas Institute of Technology (NSIT), New Delhi.

Akira Morita

General Manager

Akira joined BIMA as General Manager for Bangladesh.

Prior to joining BIMA, Akira was a corporate banker at Citigroup, where he gained extensive experience in international banking & finance focusing on emerging markets. He has also experienced various projects on microinsurance, microfinance and impact investing in Asia.

Akira holds an MBA from INSEAD and a Master of Public Policy from University of Tokyo.

Sadek Ahmer


Sadek joined at Milvik in 2014. Sadek is responsible for new strategic partnership ranges from banking to other industry addressable industry.
He has a total of ten years of work experience with grameenphone Limited, a subsidy of Telenor group & BRAC BANK, Largest SME Bank of Bangladesh. He has vast experience in Sales and distribution. He worked as Territory officer, Area Manager and Channel manager while serving at grameenphone Limited. In his last role he served as Assistant Vice-President in BRAC BANK where he managed a large team of SME loan sales team. He has done his BBA from North South University, first private of Bangladesh University.

Sharukh Kahn


Shahrukh has operational responsibility of Agent Network in all over Bangladesh for MNO partnership. 

Before joining BIMA, Shahrukh was a Customer Relationship Officer at Moshihor Securities Ltd. a leading stock exchange brokerage house in Bangladesh and also worked as a Tele-marketing officer at Airbd Customer Service point, where he achieved significant skills in Customer Relationship, Sales and Marketing. 

Shahrukh has a BBA in Human resource management from Victoria University of Bangladesh.


Head of Service Quality

Fatima is responsible managing the Quality Assurance and Complaint Management.
Before joining Milvik, Fatima has 8 years work experience in telecommunications with Airtel Bangladesh Ltd as Team Leader & Partner Management of Call Center Operation & in addition also played role as Supervisor, Contact Center Operations & Support Center Executive within same organization.
Fatima has completed her Bachelors in International Relations from University of Dhaka.

Morsalin Nurul


Morsalin is responsible for all training and development of Milvik Bangladesh. He joined at Milvik in 2012 and was responsible for rolling out agent networking across Bangladesh.
Before joining BIMA, Morsalin was a Marketing Executive at, where he gained significant experience in Sales, Operations and Team Management. Morsalin has worked on different projects like Red Crescent Society, Lions Club etc. He is the lifetime member of Alumni Association (Department of English), Chittagong College.
Morsalin has an MA in English Literature from the National University of Bangladesh.

Alamgir Hossain

Head of Finance & Accounts

Alamgir has responsibility to look after finance & accounts function for our business operation in Bangladesh.
Alamgir has over fourteen years direct and diversified experience in finance & accounts, audit, strategic & project management and consultancy services within the corporate finance area. Prior to joining BIMA, he has worked at few different companies such as PWC, UNILEVER, ROBI (AXIATA) LTD, NIPRO etc. including management positions.
Alamgir holds a Master degree in Accounting from National University of Bangladesh and an MBA from London Metrocity College, London. He is an ACCA Finalist which he studied in Financial Training Company (FTC), London and holds a membership of AAT (MAAT). He is also a partly qualified Chartered Accountant from Institute of Chartered Accountants of Bangladesh (ICAB).

Muhaiminur Hafiz


Muhaiminur is responsible for identifying possible partners and launch partnership process along with conducting market research, product development and supporting the country director. He will work closely with senior management team, local team and the global product function to develop business strategy specifically for the sector. Muhaiminur has a total work experience of around 6 years in product development, project implementation and business development for several local and multinational corporations.

Previously he was with The Bangladesh Rating Agency, a subsidiary of Dun & Bradstreet. Muhaiminur has a BBA with dual major in Finance & International Business from North South University and a MSc in Financial Management from The University of Greenwich.

Pintu Kumar Deb Nath


Pintu Kumar is responsible for managing all kinds of human resources functions of our Bangladesh operation.

Pintu Kumar has over ten years working experience in Human Resources & Direct Marketing. Before joining Milvik, he was working as Associate Manager of Recruitment & Relationship Department at BRAC Bank Ltd. , where he was responsible for all types of Recruitment and Relationship Management activities maintaining continuous liaison with the division heads.

Pintu has completed his MBA, Majoring in Human Resources Management from University of South Asia, Bangladesh.

Rezaur Rahim


Rezaur Rahim has responsibility to look after the Claims operation of our Bangladesh company.
Rezaur Rahim has over ten years of direct experience in supervisory positions for renowned life insurance companies of Bangladesh such as Deltal Life & Pragati Life insurance.

He has taken part in different workshops, seminars & training programs organized by the Regularity Authority & RAPPORT BD LTD.
Rezaur Rahim holds a Masters degree in Psychology from National University of Bangladesh.



Before joining BIMA, Asif has previously worked with Zenith Infotech solution Ltd, Novartis Bangladesh Ltd, Legato Services Ltd.
He is responsible for all IT related activities such as networking, in-house call center, technical coordination with MIP/BTC across MBL businesses. He is a computer engineer and attended Atish Dipankar University of Science and Technology.


Chief Medical Officer

Dr Anwarul Mamun joined as Chief Medical Officer at Milvik Bangladesh Limited on November, 2016.
Dr Mamun has around 8 years of experience working in pharmaceutical marketing at multinationals like Sanofi, Novartis and Eskayef.
He also has experience in development sector with BRAC and Social Marketing Company where he had implemented IT enabled health services.
He is a MBBS degree holder from Sher-E-Bangla medical college and MBA from University of Dhaka.

Sri Lanka Team

Max Bergman

Country Manager

Max has operational and strategic responsibility for our Sri Lankan business.

Prior to joining BIMA, Max worked for Rocket Internet in Malaysia where he managed the set up of an online fashion company. He started his career in banking in Stockholm, followed by advisory roles specialising in take-overs in the communications sector in both London and Stockholm.

Max holds a MSc in economics from Stockholm School of Economics.

Cambodia Team

Tapas Kuila

Country Manager

Tapas has overall strategic and operational responsibility for our business in Cambodia.

Tapas comes from a Financial Technology background having 6+ years of international experience in banking and financial services with Barclays and Infosys Consulting (Erstwhile Lodestone), designing, building and managing enterprise-oriented global infrastructure and leading global transformation engagements focused on business strategy, process workflow automation and operational efficiency improvements.

He holds a B.Tech. Honours in Electrical Engineering from the Indian Institute of Technology (IIT), Kharagpur and an MBA from INSEAD.

He has a deep interest in the Technology, Media and Telecommunication (TMT) sector, is the co-founder and General Secretary of the INSEAD TMT Network and has organized panel discussions on 'Big Data Analytics' and 'Internet of Things'.

Sebastian Morck

General Manager

Prior to joining BIMA, Sebastian worked as a strategy consultant in London for four years.
He specialised in healthcare consulting, as well as merger and acquisition due diligence for private equity firms. Sebastian has a keen interest in international development and has already lived in multiple countries across four continents.

Sebastian holds an MPhil in Development Studies from Cambridge and an MA (Hons) in History and International Relations from Aberdeen.

Christopher Smith

General Manager

Before joining BIMA, Christopher spent 4 years working for a biofuel company in Rwanda, where he was responsible for building the supply chain and operationalizing the sales strategy. Additionally, he has developed an energy access project for UNHCR, established an entrepreneurial development non-profit, and engaged in short-term consulting projects across 4 continents. He is interested in applying principles from data analytics and behavioral science to tackle intractable problems.

Christopher holds a BSc in Business Administration as well as an MSc in Management from Babson College.

Nepal Team

Damien Gueroult

Country Manager

Damien has overall strategic and operational responsibility for our Nepal Business.

Before joining BIMA, he worked for the French retail Group Casino where he was responsible for its E-commerce ventures in Ivory Coast, Senegal and Cameroun. Previous to this, he worked 5 years at building and deploying the Access To Energy Program of the energy giant Total in Asia and Africa. For over 3 years, he was based in Myanmar where he launched a wide distribution network of clean lighting and cooking solutions through field agents and MFI partners.

Damien holds a Msc in Management from ESCP Europe and an Msc in Development Economics from Paris Dauphine University.

Indonesia Team

Connor Adams

General Manager

Connor has overall responsibility over identifying strategic objectives and orchestrating their implementation for our business in Indonesia.

Connor has experience in business development and strategy, having previously co-founded a student consultancy at Tufts University, as well as Indonesia specific experience with the Grameen Foundation and US Department of State. Connor speaks Indonesian and Mandarin Chinese.

He holds a B.A (International Relations of East and SE Asia) degree from Tufts University.

Papua New Guinea Team

Jonathan Vance

Country Manager

Jonathan has overall strategic and operational responsibility for our business in Papua New Guinea.

Jonathan has significant experience with team building and leadership, strategic planning, and process innovation gained through previous work in healthcare administration, nonprofit sector, and medical roles in the Military.

Jonathan earned his MBA from Hult International Business School, with studies in China and London, and holds a BS in Public Affairs from Northeastern University in Boston.

Prakash Ranjan

Senior General Manager

Prakash joined BIMA in 2016 as Senior General Manager.

Prior to BIMA, Prakash worked for a start-up trying a new business model around value added micro-financing. He helped scale the start-up across five states in India. Later starting a joint venture, with the Government in his home state of Jharkhand to scale the business.

Prakash holds a Masters and Bachelors in Mechanical Engineering from IIT Madras as well as an MBA from Oxford University.

Pakistan Team

Osman Haneef

Country Manager

Osman has overall strategic and operational responsibility for our Pakistan business.

Osman has several years of experience in economic and strategy consulting, international development, film production, theater and TV performance, and start-ups. Before joining BIMA, he worked for Rocket Internet's Kaymu venture in Pakistan. Prior to this, he worked for Charles River Associates in Boston and Bahrain on projects in the healthcare, education, and energy sectors. Osman graduated with an MBA and MA in International Relations from Yale University in 2011.

Umair Khalid

Sales Manager

Umair Khalid is the Sales Manager for our Pakistan business.

Before joining our team, Umair Khalid was a Processes Re-engineering specialist at Telenor Pakistan, where he did projects on Recall and AHT reduction and saved more than PKR 22 million. He has also done divisional level projects on Internet Penetration, Non Voice Channels, Postpaid Churn, and NPS Launch. Umair has over 8 years of experience in customer services, outsourcing, insourcing, systems and processes and NPS (CFL).

Umair has a BBA Hons degree with majors in Management form National College of Business Administration and Economics.



Haseeb has over 8 years of experience in customer service, network operations, quality assurance, training, and recruitment.

Before joining MILVIK, Haseeb was a Quality Assurance supervisor at The Resource Group(TRG), where he was responsible for call evaluations, quality reporting, and the hiring and training of call center agents. Prior to TRG, Haseeb worked at Telenor Pakistan in numerous departments, including Customer Relations, the Network Operations Center, and Operations.

Haseeb holds a Masters in Business Administration with a major in marketing from the Global College of Computer and Management.



Aqeel leads our call center operations in Pakistan.

Before joining MILVIK, he worked as a product manager for Legrand Electronics, a French multinational firm that specializes in wiring accessories and switches. Prior to Legrand, he worked as a Quality Assurance supervisor for an outbound call center operated by Mindbridge.

He holds an MBA with a major in marketing & finance and a BS (honors) in Software Engineering from the National College of Business Administration and Economics (NCBA&E).



Azam Saleem is our Reporting Analyst in Pakistan.

Azam has several years of experience in Reporting and Contact Centre Operations. Before joining MILVIK, he worked for Rocket Internet’s Lamudi venture in Pakistan. Prior to this, he worked for PTCL in different domains such as; Inbound, Outbound, Validation and Reporting.

Azam holds a Masters degree with major in political science from The University of the Punjab.



Nudrat is responsible for the overall training programs in Pakistan.

She has over eight years of experience in Telecommunication sector. Before joining MILVIK, she has worked in Telenor Pakistan in different domains such as prepaid, postpaid , Blackberry technical support channel, Corporate/SME VAS sector, Social/Digital media and corporate & Regulatory communication department.

She holds a postgraduate degree with major in Psychology from Government College University (GCU) Lahore

Fiji Team

Simon Schwall

Project Manager, Pacific

Simon joined BIMA from a management role within Ernst & Young’s advisory business. Simon has a strong background in the telecom industry following three-years experience at Greenwich Consulting, where he specialised in the TMT sector.

Simon holds a Msc in Management from HEC Paris, an Msc in International Management from CEMS and a Certificate in “Digital Innovation for Business” from HEC Paris.

Donald Mitchell

Operation Manager

Donald joined BIMA in January 2016 as Operation Manager.  Prior to joining BIMA, Donald was a Call Centre Operations Manager for PackLeader Pacific. He has held senior management positions for the Ministry of Tourism, Bible Society of the South Pacific & Vodafone Fiji.
Donald holds a Diploma in Project Management from the University of New England, Armidale NSW Australia. & MBA from the University of the South Pacific in Fiji.

Abhisakh Kumar

Finance Manager

Abhisakh was appointed Finance Manager in June 2016.
Prior to Joining BIMA, he held key management positions within various organizations such as GMR Hardware, Fiji Public Trustee, Unit Trust of Fiji, Commerce Commission, Prices and Income Board.

Abhisakh holds a BA degree and a MBA from USP. He is also a member of the CPA & CFA charter and has done Securities Licensing exam as well from Reserve Bank of Fiji. He is also a member of Institute of Internal Auditors and Fiji Institute of Accountants.

Philippines Team

Lindsey Lim

Country Manager

Lindsey joined BIMA as our Philippines Country Manager in 2016. Prior to joining BIMA, she worked for McKinsey but started her career at Citibank in New York, then joined the World Bank Group and then a non-profit sustainability advisory firm. She previously created a grassroots program that enrolled domestic workers in bank accounts.
She is an avid supporter of international education and co-founded a P2P platform that matches aspiring international students with mentors at their dream schools abroad for admissions advice.