Experience

VIS Credit Rating Company Ltd.

• Financial Services
• 1 - 100 Employee

• Rating Analyst - Manager

  • Jul 2020 - Present

• Rating Analyst - Assistant Manager

  • Jul 2017 - Jun 2020

  • Conducted financial risk analysis of 35+ corporates to evaluate credit ratings, prepared rating reports and co-presented them (with senior manager) to the rating committee; suggested ratings were approved in 75% of cases.• Led the management rating project for brokerage houses in Pakistan; 12 brokerage houses have so far been assigned Broker Management Rating (BMR) as per the established framework.• Initiated economic research and prepared a comprehensive review of Pakistan’s external account imbalance (specifically focusing on current account deficit) in 2019.• Performed in-depth industry research and authored various sector overviews including Automobile, Towel, Edible oil, Paper & paper board, Sugar, Textile (Spinning segment), and Mutual funds industry. Furthermore, conducted the internal training sessions on aforementioned sector overviews.



Meezan Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Relationship Associate - Commercial & SME Banking Unit

  • Mar 2017 - Jul 2017

  Assistant Manager II - Credit Officer - Prepare and evaluate new/renewal lending proposals, which includes financial analysis, risk analysis & industry analysis and ensuring that credit applications including renewals are correctly prepared in accordance with the bank's policies and regulatory framework.- Coordinated with various internal departments (Credit Risk Control, Trade, Advances, Branch Operations, Legal) for smooth and quick turnaround of transactions.- Liaised with clients to all information/documents required for the execution of transactions andenhancement/renewal of existing credit facilities.



Philips Lighting

• Netherlands
• Appliances, Electrical, and Electronics Manufacturing
• 700 & Above Employee

• Finance Intern

  • Jun 2016 - Aug 2016

  - Assisted in filing the withholding tax statements for related parties and customers, payment of company's professional tax and sales tax.- The implication of the reporting activities and working knowledge of receivables and inventories policies.- Worked on the selling & admin expenses and revised the employee's travel expense data spreadsheet.- Analysed the import payments cycle and the process of import bills.- Reconciled the bank statements of different banks with the company's cash account.- Gained hands-on experience in SAP system.- Organised the yearly Philip's CSR project and worked with the budget.



UBL - United Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Summer Intern | Treasury And Capital Market (TCM)

  • Jun 2015 - Aug 2015

  - Evaluated the process involved in FX and capital market tradings.- Comprehensive report on the monetary policy and economic reforms of Tanzania.- Detailed report on the derivative market, its valuation policies and regulations in Pakistan.- Recompiled money market manuals.- Comprehensive report on the statistics of imports and exports of commodities and services.- Determining the appreciation/ depreciation of foreign currencies.- Good working experience of Bloomberg Terminals.- Conducted telephonic interviews of finance managers of numerous organisations, across Pakistan, interested in investing in government securities or other investment bonds.



IBA-Community Welfare Society

• Executive Council Member

  • Sep 2014 - Jun 2015