Experience

The Pakistan Credit Rating Agency Limited [PACRA]

• Pakistan
• Financial Services
• 1 - 100 Employee

• • Oct 2021 - Present

  - Managing a team of three analysts and a complete portfolio of more than 50 companies in the space of Non-Banking Microfinance Institutes, Capital Markets, and Fintech/Startups. - Responsible for planning and execution of the risk assessment/rating process of the portfolio companies.- Critical review and analysis of various TOR’s/Manuals/Policies including but not limited to – KYC/AML/CFT Policies, CDD and EDD Policies, Internal Audit Manual, Risk Management Framework, Credit Risk, Market Risk, and Liquidity Risk management policies.- Providing recommendations based on the findings during the review of the above-mentioned policies, for improvement and to align with the overall strategy.- Responsible for reviewing the implementation of organizational policies by liaisoning with the client’s management for solicitation of relevant data.- Detailed review of the client’s product program/parameters to ascertain that it captures the relevant risk and is in line with the overall Risk Management Framework.- Make sure that the relevant policies are not only in compliance with the regulatory requirements but are also more prudent and exceed the minimum regulatory thresholds.- Meeting with the client’s top management to assess the management team’s strengths, and business acumen and to understand the business operations.- Planning and coordination with the external consultant for automation of the rating process from spreadsheets to system-generated assessment. Show less

• • Aug 2019 - Oct 2021

  - Detailed analysis of the entity’s business, financial statements, projections, future prospects/outlook, and industry developments.- Preparing detailed rating reports, credit rating proposals, market data, peer analysis, and press releases.- Benchmarking critical financial performance indicators against standard criteria and peers in order to determine entity positioning within the industry and rating universe.- Developed and streamlined the morning briefing process.- Rated approx. PKR 700 billion of AUMs of the mutual fund industry in Pakistan.- Investigating the impact of change in economic fundamentals and regulatory policies on major stock indices and investment avenues. Show less



FundShop - Investment Solutions & Wealth Management

• Lahore

• Wealth Management Analyst

  • Sep 2015 - Nov 2018

  Preparation of client Risk/Return profile to recommend the most appropriate investment product accordingly. Analyzing the historical performance of more than 250 mutual funds (Equity/Money Market/Income) available in Pakistan for investment recommendation & other purposes. Timely preparation and delivery of research reports/presentations and important updates to clients regarding economic & capital markets performance including money market, fixed-income, equities and commodities Conducting client situational profiling to understand the investment goals and to design appropriate investment strategy best suited to the individual client's needs. Ensure the successful completion of all transaction related matters including investment, redemption, conversion, sales load and different other issues as requested by clients. Preparation of detailed and complex MIS reports using spreadsheet to calculate various in-house performance measurement matrices. Proactively liaise with the fund management industry to establish and maintain effective working relationship. Show less