Fahad Umer Email & Phone Number

Karāchi, Sindh, Pakistan

--> Prepared Recovery Plans for more than a dozen insurers in UAE in line with the CBUAE regulations--> Developing the policies and Procedures framework to support an industry leader in UAE set-up operations in KSA--> Developing the economic feasibility, business plan and financial projections for the establishment of a digital-native insurance Brand--> Supporting a UAE insurer in revamping their organizational structure and develop job descriptions of all staff

Karachi

Jubilee General is one of the pioneers of general insurance in Pakistan with a portfolio of PKR 19 billion. The Company is the highest rated general insurer in Pakistan with an Insurer Financial Strength Rating of ‘B’ (Good) and issuer credit rating of ‘bb+’ by A. M. Best.Responsibilities• Preparing feasibility studies and business plans to support development and implementation of cross-functional business initiatives and provide strategic direction across all business lines• Conducting macroeconomic and sector/industry research to inform strategic decision making• Developing financial models and projections including scenario analysis for strategic initiatives and disseminating the findings and conclusions in the form of comprehensive presentations or feasibility reports• Performing empirical, data-driven analysis to understand operational and business performance, identify improvement opportunities, and develop strategies• Analyzing business performance data to identify trends, patterns, anomalies, and other helpful information• Performance reporting and compliance monitoring of investment portfolio worth PKR 175 billionKey Achievements• Prepared a comprehensive business plan and financial projections for a new distribution channel along with a roll-out strategy• Set up the ‘Middle Office’ for monitoring of investment portfolio performance and developed objectives, TOR and reporting guidelines for the same• Developed a detailed financial model for investment portfolio performance reporting using the Time Weighted Return (TWR) methodology• Developed a comprehensive marketing strategy for digital retail channel along with financial projections• Prepared a comprehensive report on productivity of all the branches, identifying major cost centers and devised a plan for improving productivity of sales team• Prepared Business Requirement Documents for different modules of motor underwriting process

Islamabad, Pakistan

Enclude (formerly Triodos Facet) is an advisory firm dedicated to building an inclusive and prosperous global economy. Enclude provides integrated capacity and capital services that help clients and partners design, connect, finance and build solutions that generate sustainable business results and positive social and environmental outcomes.Projects:--> Development of Business Plan for a Credit Guarantee Company - State Bank of Pakistan--> Evaluation of National Bank of Pakistan Digitization Project - Karandaaz--> Evaluation of Punjab Kissan (Farmer) Package Program - Karandaaz--> Establishment of a Business Incubator for Women-owned Businesses - Govt of Punjab--> Integrating Women Entrepreneurs in Public and Private Sector Procurement - UN WOMEN--> New Product Development for Women’s Empowerment - First Women Bank--> Feasibility for a credit facility and guarantee scheme for clean energy projects - Agence Française de Développement (AFD)Please scroll Down to the Projects Section for details about the projects

Karachi

Equity Research:• Responsible for overseeing the securities evaluation function and exploring new investment opportunities. • Member of Investment Committee.• Research reports with in-depth evaluation of financial statements.• Valuation analysis for companies in Oil & Gas, Fertilizer, Chemicals and FMCG sectors.• Developed various valuation models under different methodologies including Discounted Cash Flows, Reserve-Based Discounted Cash Flows (for E&P companies), Dividend Discount Model, Market-based Multiples method (P/E, FV/EBITDA, and P/TBV).Portfolio Management & Risk Analysis:• Holistic fund management of retirement funds under both discretionary and non-discretionary arrangements with regular reporting, cash flow monitoring and periodic rebalancing.• Preparing periodic performance review and asset allocation presentations for client portfolios.• Responsible for developing intellectual capital for investment analysis and performance attribution.• Designing strategic asset allocation solutions for institutional investments including defined contribution and defined benefit funds.• Devise customized asset allocation under defined constraints including Liability Driven Investments, funding gap and liquidity analysis. • Portfolio risk analysis: including Value at Risk (VaR), Sharpe Ratio, stress testing and interest rate sensitivity analysis.Compliance:• Overseeing and monitoring compliance procedures at both organizational and departmental level.• Reviewing client documentation including agreements and investment policy statements for compliance with regulatory requirements.• Reviewing and updating SOPs of different departments including the Risk Management Manual.• Regulatory filing of any information as and when required by Securities & Exchange Commission of Pakistan.• Liaising with the regulatory bodies for any compliance and regulatory matters.

Master Of Business Administration - Mba

Bachelor'S Degree, Finance