Experience

VIS Credit Rating Company Ltd.

• Financial Services
• 1 - 100 Employee

• • Sep 2022 - Present

  • Member of Quality Control Committee in the Ratings Division• Reviewing a team of Assistant level employees• Conduct in-depth credit and financial analysis for specific sectors/companies, including creating credit papers, applying rating methodology, and preparing statistics, tables, and graphs under the guidance of senior management• Monitor and review existing portfolio transactions, and make recommendations for credit and rating decisions• Work on ad-hoc projects as assigned by senior management to improve risk criteria and portfolio qualityReviewing financial performance of companies in the portfolio and making credit comments. Involve in making and reviewing financial models for making a projected view.• Stay informed of trends, market developments, and key players in allocated sectors and financial/legal structures and share with the team• Support the professional development of junior team members, and share technical expertise on allocated sectors/companies• Prepare reports as required and create credit committee materials• Adhere to regulatory and compliance procedures and internal policy requirements• Sector specific experience in Pakistan include Textile Spinning, Steel and Allied, Fertilizer, Paper and Board, Tannery, and Engineering• Formulating and updating different rating methodologies. Recently worked on the methodology for REIT fund rating. Show less

• • Oct 2020 - Sep 2022

  • Trained and oversaw two Assistant Manager employees• Identifying business and financial risks of companies that require credit rating• Conducting detailed financial and operational analysis and due diligence with clients• Writing and reviewing detailed rating reports that include assessment of business models for scope, robustness, competitive analysis, financial, managerial and project evaluation to determine companies’ debt repayment capacity• Establishing industrial reviews, incorporating comprehensive analysis of local and international market dynamics of several business sectors in Pakistan Show less

• • Jul 2017 - Oct 2020

  • Identifying business and financial risks of companies that require credit rating• Conducting detailed financial analysis and due diligence• Preparing detailed rating reports that include assessment of business models for scope, robustness, competitive analysis, financial, managerial and project evaluation to determine companies’ debt repayment capacity• Establishing industrial reviews, incorporating comprehensive analysis of local and international market dynamics of several business sectors in Pakistan Show less



shajar capital pvt ltd

• 1 - 100 Employee

• Research Analyst

  • Jun 2016 - Jul 2017

  - Initiate and conduct research on companies. - Monitor performance of stocks, and offer recommendations to investment advisers and investors about whether to buy or sell particular stocks. - Make Financial Models on companies listed in Pakistan Stock Exchange - Worked on financial models of the Automotive Sector in Pakistan - Initiate and conduct research on companies. - Monitor performance of stocks, and offer recommendations to investment advisers and investors about whether to buy or sell particular stocks. - Make Financial Models on companies listed in Pakistan Stock Exchange - Worked on financial models of the Automotive Sector in Pakistan