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.

Naima Sultana

Business Division Manger, MFI

Naima is responsible for managing all MFI partnerships in Bangladesh from end to end. 

Before joining Milvik, Naima was in BRAC Bank Limited, Bangladesh for over 9 years as First Assistant Vice President and Senior Relationship Manager for Middle East & Africa corridor in the Remittance Department. 

Naima has graduated from North South University of Bangladesh, specializing in marketing.

Sadek Ahmer

Head of Sales

Sadek is responsible of leading the MHS sales team. Before joining BIMA, Sadek was an Assistant Vice President (AVP) at Brac Bank, where he managed a large team of SME loan sales team. 

Sadek has completed his Bachelors of Business Administration in Marketing from North South University. 

Zakir Hossain

Business Development MFI

Md.  Zakir  Hossain  is  responsible  for business  development  in  Micro  Finance Institutions (MFI) sector.  

Before   joining   BIMA,   Zakir   was   a   Director-Micro   Finance   with   Christian Service  Society  (CSS).  Zakir  has  worked  with  different  MFI  as  coordinator  in various sectors.  

Zakir holds a Masters in Management.

Sharukh Kahn

Agent Network Manager

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.

Fatima Rokon

Call Centre Manager

Fatima is responsible managing the Quality Assurance, Claims 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 competed her Bachelors in International Relations from University of Dhaka.

Morsalin Nurul

Operations Manger, MFI

Morsalin is responsible for managing the operational systems and processes across all MFI partnership in 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.

Mahmudul Hasan

Finance and Accounts Manager

Mahmud is responsible for Accounts & Finance as well as the managing vat and tax authority, vendor compliance and internal and external audit.

Before joining BIMA, Mahmud has 10 years’ experience in senior Accounts & Admin roles, EURO-BANGLA Associates Ltd. Most recently Mahmud served as a Manager Accounts & Admin Woodbreeze group Nestor Consulting Ltd, Zypheyer Int.

Mahmud holds a MCom. in Accounting form Dhaka college under National University and also complete CA (CC-course complete) under Institute of Chartered Accountants of Bangladesh (ICAB)  

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

Manager – Country Director’s Office

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

HR Manager

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

Claims Manager

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.

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'.

Kieran Cooney

General Manager

Kieran joined BIMA after having gained five years of experience at Acturis Ltd, an award-winning IT service provider to the insurance industry. After demonstrating his ability to build strong relationships with some of the company's largest clients, he went on to spend 3 years successfully managing the implementation of end-to-end software solutions for customers based in the UK and Africa.

Kieran holds a B.Sc. Honours degree in Physics from Imperial College London.

Rachel Brathwaite

General Manager

Rachel joined BIMA in 2016 as General Manager for Cambodia.

Rachel has significant experience in telecommunications having worked in the industry in various roles and projects for over 10 years in the English Caribbean, Dutch Caribbean and Central America with Digicel.

Born and raised in the Caribbean island of Grenada, Rachel is a Fellow Chartered Certified Accountant (FCCA) with MBA specialising in Marketing from Heriot Watt 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.

Philippines Team

Brandon Ho

Country Manager

Brandon has overall strategic and operational responsibility for our business in the Philippines.

Brandon has significant experience in emerging markets, having worked as a Deputy Program Director of the Technical Assistance Facility for TechnoServe in several African countries. He was responsible for managing the grant fund and supervising numerous consulting projects for SMEs, farmers, and micro-entrepreneurs. He also had brief stints in the United Nations in Geneva and an Impact Investment Fund specialising in debt investments in micro-finance institutions. He started his career as a Business Analyst in McKinsey & Company in Asia.

Brandon holds a Master's degree in International Economics from IHEID in Geneva and also a Bachelor's degree in Economics and Management 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.