Experience

Pakistan Credit Rating Agency (PACRA)

• Pakistan
• Financial Services
• 1 - 100 Employee

• Manager - Ratings

  • Aug 2008 - Present

  • Conducted detail credit evaluation for assigning the credit rating for the country’s first retail based debt instrument issued by one of the largest conglomerate.• Analyzed the detail financial feasibility for a sizeable expansion project related to one of the country’s largest player in the oil refining segment.• Finalized the credit opinion for the sizeable debt financing led by the consortium of International Finance Corporation, Asian Development Bank and local bank for the country’s first Liquefied Natural Gas (LNG) terminal.• Detail evaluation of the underlying security structures for finalizing the issuance of a debt instrument by a leading holding company in the financial services sector.• Supervise a team for development of a web based application for maintain a comprehensive data base for various investment avenues utilizing them for monitoring and evaluating the performance of mutual fund industry of Pakistan. Finalized various dashboards highlighting the key performance trends.• Part of the team responsible for development of a web based application to derive ratings based on quantitative and qualitative factors involving various data requirement analysis of key financial highlight Key Responsibilities:• Conduct detail evaluation of the bank/company growth strategies in light of the changing economic environment and its impact on organizational performance.• Preparing and analyzing the forecasting, budgeting and trend analysis of various projects and business segments of the organization. Also analyzing the risks and opportunities associated with it.• Participate in senior level management meetings with the CEO, CFO and Head of Business Development to discuss financial, operational, market and liquidity risks of the projects.• Prepare detail presentations with regard to the various sectors of the economy after comprehensive analysis of the domestic and international market trends highlighting the opportunities and challenges associated.

• Manager Ratings

  • Aug 2008 - Present



Royal Bank of Scotland

• Banking
• 1 - 100 Employee

• Associate Relationship Manager – Royal Preferred Banking

  • Jul 2007 - Aug 2008

  • Maintained a profitable portfolio of PKR 150 million of current, savings and term deposits.• Built relationships with existing customers and new customers to expand business for the bank• Enhanced bank’s preferred customer base on a month over month basis in core bucket of PKR 2mln to PKR 15mln• Cross-sold different wealth management, book savings & investment based products• Monitored transactions on a timely basis and accurately responded to branch banking queries • Maintained a profitable portfolio of PKR 150 million of current, savings and term deposits.• Built relationships with existing customers and new customers to expand business for the bank• Enhanced bank’s preferred customer base on a month over month basis in core bucket of PKR 2mln to PKR 15mln• Cross-sold different wealth management, book savings & investment based products• Monitored transactions on a timely basis and accurately responded to branch banking queries