Senior Joint Director, SBP Profile / Bio Fatima Javaid is the Senior Joint Director of the SME, Housing and Sustainable Finance Department of the State Bank of Pakistan. Joining the State Bank of Pakistan (SBP) in October 2005, Ms. Fatima Javaid has a central banking experience of over 20 years. She has vast experience of working in policy, regulations refinance schemes and promotion and development of SME sector and Islamic banking. She is currently working on SME policy and regulations related assignments. By qualification, she is a business graduate from Pakistan and has done MS from Australia. Her career spans over 16 years of central banking experience primarily in the areas of Islamic and SME banking regulations and development finance. Materials