Our Business


ICIL-Pakistan is the country’s major Credit Decision Support , it provides Credit Risk Management including local &Global Debt Collection, AML-KYC, Business Continuity Management / I.T.D.R and a range of Technologies and is a solution provider to the banking and corporate sector. ICIL is also a Business Training company. ICIL-Pakistan has the country’s largest Credit information database of all public, private limited, partnership firms and self-employed persons. It also owns a Credit Bureau with both Inter-bank and Inter-business platforms. ICIL-Pakistan manages these businesses under three legal entities and has cooperation agreements with American, European, Australian and Asian companies.

Group of Companies


International Credit Information Ltd
ICIL ( PVT ) Ltd
  • ICIL Technologies Ltd


Board of Directors


The Directors on the Board of ICIL are all academically qualified and professionally experienced persons of proven corporate performance, both in managing national & multinational companies in the public as well as the private sectors.




Humayun Mufti


FCA(Wales) Former CEO Ghandara Nissan Ltd previously Member of Board of Management set up to manage nationalized industries / Chairman PACO honorary, currently Counsel General Slovenia



Dr. Adil S. Mufti


Ph.D (University of London) An entrepreneur with an industrial management background.Former CEO General Tyres & Rubber Ltd.



Amer Aziz Saiyied


Advocate. Currently legal advisor to the Banking Ombudsman. Former Company Secretary & Legal Counsel Unilever Pakistan.



Arif Mufti


FCA Former Chairman & CEO American Life Insurance Company Ltd



Yasser Mufti


M.Sc Information Technology.



Babar Mufti


Economist & CEO


Azfar Baqvi



Former CEO of a leading financial Institution




Lajpat Rai


FCMA, MBA Member Technical Committee of ICMAP







ICIL’s Management Team comprises of persons who are academically qualified and professionally experienced in their respective fields.




Babar Mufti



Managing Director
BSC (Economics) from (City University Of London) - M.Sc (political science) from London School of Economics.



Azfer Baqvi


Group Chief Operating Officer
Former CEO of a leading financial Institution



Mr.Azher Naqvi


Group Director - Business & Risk Management

(Former Senior Banker) B.A.(Economics) from Pomona College, Claremont, California



Lajpat Rai


Manager Finance

( CFO - Secretary of the Board ) ,   ACMA  -  Member  -Taxation  Sub - Committee  of ACCA



Yasser Adil


Head of IT
BSC(Engineering) - Msc IT (Queen Mary University of London)




Haseeb Alam


Head - Receivable Management Services
Company Auditors
  KPMG (Taseer Hadi Khalid & Company)  
Company Bankers