Shumaila Rifaqat is Head of Innovation at Karandaaz Pakistan, with over 15 years of experience shaping public policy, large-scale reform, institutional development, and change management. Previously, she worked with DFID Pakistan as Governance Advisor & Tax Lead, the World Bank as Social Protection Specialist, and the Asian Development Bank. She holds an MPA from Harvard University, USA and an MSc in Economics from Quaid-i-Azam University, Pakistan