B*****N

RESEARCH ANALYST

About Candidate

I am inquisitive and detail-oriented, curious to explore and understand complex data and trends. My strong analytical mindset, coupled with excellent problem-solving capabilities, allows me to draw meaningful insights and contribute effectively to data-driven decision-making. I am a quick learner and a sharp observer, always eager to uncover patterns, analogies and stories behind numbers.

With over 10 years of experience in the banking industry, I developed a deep understanding of financial systems, risk assessment, and market behavior. This experience sharpened my ability to analyze quantitative and qualitative information with precision. My decision to transition into research stems from a genuine passion for investigation, knowledge-building, and strategic analysis, which I now aim to channel into impactful research work.

Salary
PKR
Nationality
PAKISTAN
Certifications

• Certificate Course conducted by Al-Sadiq Institute of Islamic Banking, Finance & Takaful in “Shariah compliant modes of Financing & Trade” ---issued by Accounting & Auditing Organization of Islamic Financial Institution (AAOIFI)-2025

Training & Workshop

• Certificate of participation in “Transformation & Digitalization of the Economy towards a Riba-Free System and the convergence of Companies with outstanding loans to Shariah Complaint Solutions.2025
• Certificate in “Uniform Customs & Practice Documentary Credits (UCP 600) & Scrutiny of Trade Documents under Letter of Credit” by Pakistan Learning Nest- 2024
• Certificate in “Trade Based Terrorist Financing & Trade Based Money Laundering (TBTF & TBML) - The New Trends & Counter Measures”, issued by Dellsons-2021.
• Cerificate of Participation in “Corporate & Shari’a Governance Framework”
• Certificate of Participation in “Islamic Banking – Basic Concepts & Product Overview”.
• Certificate of Participation in “Money Laundering Risks & Control”.
• Certificate of Participation in “An Introduction to Power BI”.
• Certificate of Participation in “Quality Research in Islamic Domain” by Hamdard Islamicus & Al- Qadir University-2022.
Attended “SAFA Conference 2025” held by ICAP.
Attended “The 2nd International Islamic Conference 2024”-- Invited by SECP.
Participated in PROCOM Business Event 2012-13.
Participated and score 2nd position with Cash Prize for IBA Innovative Business Idea Competition in 2011 & 2012.

Looking for Job Title
RESEARCH ANALYST
Award

Dean List Certificate of 1ST & 2ND Position in 7TH & 8TH Semester in FALL & SPRING 2012.

Iqama
Resident

Location

Education

M
MASTERS IN BANKING AND FINANCE 2023
UNIVERSITY OF KARACHI

Master’s in Islamic Banking & Finance, SZIC-KU CGPA: 3.12/4 2022-23 Courses: AAOIFI Shariah Standards Part 2, Shariah Audit, Risk Management, Strategic Marketing Management, Strategic HRM, Business Economics, Business Takaful and Pool Management. Prepared reports on “Cash conversion cycle of sugar industry” and “Moving beyond Digital Banking” Post Graduate Diploma Leading to Master’s in IB, SZIC-KU CGPA: 2.74/4 2021-22  Courses: AAOIFI Shariah Standards Part 1, Fiqh ul Muamlaat, Asset & Liability Management, Business Law, Business Stats &Management Accounting.

B
BBA FINANCE 2013
NATIONAL UNIVERSITY OF COMPUTER & EMERGING SCIENCES,KARACHI

BBA FINANCE, FAST-NUCES, KARACHI CGPA: 3.30/4 2009-13 Elective Courses: Financial Derivatives, Fixed Income Analysis, Security Analysis and Valuation, Financial Statement Analysis. Educational Triumphs: To achieve 1st and 2nd Position Certificate in 7th and 8th semester,s respectively. Key Reports: To work on the Final Year project named “Developing an Unsolicited Corporate Governance Rating Scale for big 5 Banks of Pakistan” with the reference manual of Morgan Stanley Grid 2.0 of CGR Scale.

Work & Experience

T
TRADE FINANCE OFFICER 14-06-2019 - 10-01-2025
BANK ALFALAH LIMITED ISLAMIC BANKING GROUP

• Develop and implement trade policies to facilitate international trade activities. • Conduct market research to identify potential import/export opportunities and new business markets. • Ensure compliance with international trade laws and government regulations. • Collaborate with industry stakeholders to enhance trade relations and business growth. • Negotiate trade agreements and oversee import/export operations to optimize efficiency. • Analyzed trade data and trends to support business decision-making. • Coordinated with logistics teams to ensure smooth shipping and customs clearance processes. • Managed complex trade finance operations, including Letters of Credit, Guarantees, and Bills for Collection, to support international trade transactions. • Maintain a variety of trade clientele and facilitate SME branch business to 10 folds with quick response and problem-solving service solutions. • Facilitate different branches' trade clients from onboarding to routing their export and import payments, Treasury rates booking, Price IQ verification, and issuance of FI, LC issuance, and amendments. • Arrange compliance approvals, and perform our clientele's KYC, KYCC, and EDD. • Negotiated terms and conditions of trade finance products with clients and banking partners to secure profitable deals and mitigate risks. • Actively participated in trade finance seminars and workshops to stay abreast of industry developments and enhance professional skills. • Led training sessions for junior staff on trade finance products, policies, and procedures, enhancing team capabilities and service levels. • Fostered strong relationships with customers through follow-up calls and emails, ensuring satisfaction and loyalty. • Participated in regular training sessions to improve sales techniques and product knowledge. • Negotiated contracts and closed deals with professionalism, adhering to company policies and ethical guidelines. • Collaborated with team members to share best practices, contributing to a cohesive and supportive work environment.

O
OFFICE ASSISTANT TRADE 29-09-2014 - 01-06-2018
State Bank of Pakistan BSC HOK

• Prepare export payments data analysis for further analysis to higher team management by verifying the shipping documents (i.e., Commercial Invoices, Bill of Lading/Airway Bill, Goods Delivered, Packaging list) collected by authorized dealers i.e., Commercial Banks. • Communicate with the Bank’s representatives for further queries involved any due diligence of shipping documents. • Assess/Monitor export shipment trends to mitigate any fraudulent practices, i.e., overutilization or under invoicing etc. • Facilitate team charge with the updating of Export’s Advance Payments and their utilization on WEBOC received on monthly basis by Authorized Dealers with accuracy. • Key learning in the segment of interpretation of data used in the different Export Subsidized Schemes of SBP-BSC. (i.e., Drawback of Local Taxes & Levies, Drawback of Domestic Taxes Textile or Non-Textile, Export Financing and Export Earning Programs.) • Knowledge of various SBP-BSC’s regulations and policies that need to be followed during the exportation process. • Well-versed with Customer Due Diligence, KYC policies and FE Manual (Export-Xii) of banking policies & regulations. • Managed international trade documentation and regulatory compliance. • Analyzed trade data and trends to support smooth regulatory compliance. • Coordinated with bank teams to ensure smooth shipping and customs clearance processes.

Skills

PROBLEM SOLVING
40%
TRADE POLICY AND COMPLIANCE
20%
MARKET ANALYSIS
15%
ANALYTICAL SKILLS
25%
INTERNATIONAL TRADE & EXPORT REGULATIONS
40%