I have over 14 years of multi-jurisdictional experience in the field of credit risk and credit ratings. I have been associated with JCR-VIS Credit Rating Company Limited (JCR-VIS) (based out of Pakistan). Islamic International Rating Agency (IIRA) (based out of Bahrain) and Simah Credit Rating Agency (Tassnief).In Pakistan, I have been involved in ratings of Commercial Banks, Corporate Entities (Have rated over a 100 corporates from a diverse array of sectors), Insurance Firms and Asset… Show more I have over 14 years of multi-jurisdictional experience in the field of credit risk and credit ratings. I have been associated with JCR-VIS Credit Rating Company Limited (JCR-VIS) (based out of Pakistan). Islamic International Rating Agency (IIRA) (based out of Bahrain) and Simah Credit Rating Agency (Tassnief).In Pakistan, I have been involved in ratings of Commercial Banks, Corporate Entities (Have rated over a 100 corporates from a diverse array of sectors), Insurance Firms and Asset Management Companies at JCR-VIS while I have been involved in ratings of Islamic Financial Institutions of clients in Bahrain, Qatar, Kingdom of Saudi Arabia, Jordan and Sudan through IIRA's platform. For Tassnief, I have been extensively involved in methodology and criteria development, undertaking credit rating of entities in the corporate (contracting, real estate, telecom, IT and manufacturing) and financial (Insurance and Finance Companies) sector for public and private companies. My overall rating exposure includes both national & international scale credit ratings and extensive experience in methodology & criteria development.I have extensive experience in credit risk and credit ratings and specialize in assessing industry, business and financial risk of entities. I have also been involved in developing methodologies, benchmarks/criteria and conducting in-house and external trainings. Show less

My job responsibilities include: - Scope of work incorporates a combination of quantitative and qualitative variables including, but not limited to, financial statement analysis, sector research, internal control systems evaluation, management quality assessment and credit risk scoring- Conduct detailed financial analysis and risk evaluation of companies from a range of sectors including Insurance & Takaful, Commercial and Islamic Banking, IPPs, Oil & Gas Production, Electricity… Show more My job responsibilities include: - Scope of work incorporates a combination of quantitative and qualitative variables including, but not limited to, financial statement analysis, sector research, internal control systems evaluation, management quality assessment and credit risk scoring- Conduct detailed financial analysis and risk evaluation of companies from a range of sectors including Insurance & Takaful, Commercial and Islamic Banking, IPPs, Oil & Gas Production, Electricity Distribution, Aviation, Distribution and Logistics and various Industrial Corporates- Review, analyze and evaluate credit, market, liquidity, business and other entity related risks in thecontext of the regulatory & macroeconomic environment for forming a prospective opinion on theprobability of default- Conduct due diligence meetings, prepare credit rating reports, assist in rating committees andmaintaining liaison with clients- Visit plants /sites and conduct meetings with senior management to understand their operationalstrategies, business & sector risks involved and credit & market risk management policies- Supervise a team of junior analysts, review their analysis, monitor progress and provide them continuing guidance in the rating process- Write sector overviews and rating methodologies- Assignment experience comprises ratings of over 100 public/private entities & structured debtinstruments across a range of financial and industrial sectors both locally and internationally- The work environment and job requirements have played an instrumental role in developingleadership, analytical, interpersonal communication, presentation and report writing skills- Key facilitator for training programs organized by JCR-VIS under the banner of Skills DevelopmentProgram, aimed at enhancing the skill set of market participants Show less

My job responsibilities included: - Scope of work incorporates a combination of quantitative and qualitative variables including, but not limited to, financial statement analysis, sector research, internal control systems evaluation, management quality assessment and credit risk scoring- Conduct detailed financial analysis and risk evaluation of companies from a range of sectors including Insurance & Takaful, Commercial and Islamic Banking, IPPs, Oil & Gas Production, Electricity… Show more My job responsibilities included: - Scope of work incorporates a combination of quantitative and qualitative variables including, but not limited to, financial statement analysis, sector research, internal control systems evaluation, management quality assessment and credit risk scoring- Conduct detailed financial analysis and risk evaluation of companies from a range of sectors including Insurance & Takaful, Commercial and Islamic Banking, IPPs, Oil & Gas Production, Electricity Distribution, Aviation, Distribution and Logistics and various Industrial Corporates- Review, analyze and evaluate credit, market, liquidity, business and other entity related risks in thecontext of the regulatory & macroeconomic environment for forming a prospective opinion on theprobability of default- Conduct due diligence meetings, prepare credit rating reports, assist in rating committees andmaintaining liaison with clients- Visit plants /sites and conduct meetings with senior management to understand their operationalstrategies, business & sector risks involved and credit & market risk management policies- Supervise a team of junior analysts, review their analysis, monitor progress and provide them continuing guidance in the rating process- Write sector overviews and rating methodologies- Assignment experience comprises ratings of over 100 public/private entities & structured debtinstruments across a range of financial and industrial sectors both locally and internationally- The work environment and job requirements have played an instrumental role in developingleadership, analytical, interpersonal communication, presentation and report writing skills- Key facilitator for training programs organized by JCR-VIS under the banner of Skills DevelopmentProgram, aimed at enhancing the skill set of market participants Show less

My job responsibilities include: - Scope of work incorporates a combination of quantitative and qualitative variables including, but not limited to, financial statement analysis, sector research, internal control systems evaluation, management quality assessment and credit risk scoring- Conduct detailed financial analysis and risk evaluation of companies from a range of sectors including Insurance & Takaful, Commercial and Islamic Banking, IPPs, Oil & Gas Production, Electricity… Show more My job responsibilities include: - Scope of work incorporates a combination of quantitative and qualitative variables including, but not limited to, financial statement analysis, sector research, internal control systems evaluation, management quality assessment and credit risk scoring- Conduct detailed financial analysis and risk evaluation of companies from a range of sectors including Insurance & Takaful, Commercial and Islamic Banking, IPPs, Oil & Gas Production, Electricity Distribution, Aviation, Distribution and Logistics and various Industrial Corporates- Review, analyze and evaluate credit, market, liquidity, business and other entity related risks in thecontext of the regulatory & macroeconomic environment for forming a prospective opinion on theprobability of default- Conduct due diligence meetings, prepare credit rating reports, assist in rating committees andmaintaining liaison with clients- Visit plants /sites and conduct meetings with senior management to understand their operationalstrategies, business & sector risks involved and credit & market risk management policies- Write sector overviews and rating methodologies- Assignment experience comprises ratings of over 100 public/private entities & structured debtinstruments across a range of financial and industrial sectors both locally and internationally- The work environment and job requirements have played an instrumental role in developingleadership, analytical, interpersonal communication, presentation and report writing skills- Key facilitator for training programs organized by JCR-VIS under the banner of Skills DevelopmentProgram, aimed at enhancing the skill set of market participants Show less

Job responsibilities include:1. Conducting entity, corporate governance and fiduciary ratings of numerous Islamic Financial Institutions (IFIs) in Bahrain, Saudi Arabia, Jordan, Qatar and Senegal.2. Preparing rating reports from credit risk analysis that cover in-depth financial risk assessment of the rated enterprise in 3. Conducting due diligence meetings with the senior management team at the premises of the rated enterprise 4. Preparing marketing proposals… Show more Job responsibilities include:1. Conducting entity, corporate governance and fiduciary ratings of numerous Islamic Financial Institutions (IFIs) in Bahrain, Saudi Arabia, Jordan, Qatar and Senegal.2. Preparing rating reports from credit risk analysis that cover in-depth financial risk assessment of the rated enterprise in 3. Conducting due diligence meetings with the senior management team at the premises of the rated enterprise 4. Preparing marketing proposals for prospective clients5. Drafting rating methodologies 6. Speaker at several conferences and workshops including World Islamic Banking Conference session hosted by IIRA Show less