Manager Financial Planning & Analysis at Parwaaz Financial Services (2024-06 – Present)
Backed by the Bill & Melinda Gates Foundation, leading budgeting, forecasting, and multi-year financial modelling to guide strategic decisions.
- Programme Strategy & Financial Planning: Led the company's multi-year financial planning, rolling forecasts, and budgeting function, translating high-level organisational goals into structured operational plans; reduced month-end reporting cycle by ~30% through process redesign and improved data workflows.
- Budget Governance & Compliance: Owned programme-level financial planning and forecast management, partnering with operations and risk teams to monitor funding covenants, support audits and due diligence processes, and strengthen internal financial controls, maintaining initiatives in an audit-ready state throughout.
- Board-Level Reporting & Performance Management: Designed and delivered high-impact board and management reports integrating financial performance, KPI dashboards, and macroeconomic context, directly informing PKR 500M+ in annual resource allocation decisions and providing senior leadership with clear decision-support visibility.
- Risk Modelling & Oversight: Engineered dynamic scenario and sensitivity models for capital investment and liquidity stress-testing, enabling the Board to evaluate 3+ strategic growth options with quantified risk-return profiles; identified and escalated key financial and operational risks with recommended course corrections.
- Stakeholder Management: Led end-to-end fundraising mandate engaging 10+ commercial banks and DFIs, managing due diligence, documentation, and term-sheet negotiation, serving as the primary coordination point for investor communication, compliance reviews, and progress reporting, resulting in full subscription of the Green Bond issuance.
- Green Bond Execution: Structured and executed Pakistan's first privately placed PKR 1 billion Green Bond, benchmarked to ICMA Green Bond Principles and SECP regulatory frameworks, establishing a new capital market benchmark for the microfinance sector and demonstrating the ability to transition a high-impact initiative into a scalable, compliant financial instrument.
- Performance Tracking & Variance Analysis: Conducted detailed variance analyses across all business units to identify key cost and revenue drivers, delivering actionable insights that improved cost efficiency; supported definition of impact indicators and validated data quality to inform quarterly resource reallocation and course-correction decisions.
Assistant Manager Credit Analysis at Westpoint Home LLC (2021-04 – 2024-05)
WestPoint Home LLC, a subsidiary of Icahn Enterprises LP, is one of America's most iconic home textile manufacturers with a legacy spanning over 130 years. As AM Credit Analysis, I led client risk assessment, credit modelling, and cash flow forecasting to safeguard financial exposure and drive liquidity efficiency.
- Credit Risk Modelling: Built credit limit analysis models to assess risk profiles across the client portfolio, reducing estimated default exposure by 20–25% through early-warning triggers and tiered limit structures.
- Management Reporting: Produced weekly financial performance and credit exposure reports, enabling leadership to make data-driven credit decisions within 24-hour turnarounds.
- Liquidity Planning: Developed rolling cash inflow forecasts that improved liquidity planning accuracy by ~15%, supporting working capital efficiency and on-time fulfilment of major client contracts.
Senior Systems & Audit Officer at Beaconhouse Group (2019-08 – 2021-01)
Beaconhouse Group is one of Pakistan's largest and most prestigious private education networks, operating across 10 countries. As Senior Systems & Audit Officer, I strengthened internal controls by developing risk registers, accounting policies, and operational manuals across multiple departments.
- Policy Development: Designed and implemented accounting policies and operational manuals for Global HR, Supply Chain, and IT, standardising controls across 3 departments and improving audit-readiness.
- Risk Management: Developed a comprehensive risk register with detailed risk mapping and heat-scoring, strengthening the organisation's internal control environment and supporting annual audit cycles
Finance Assistant at Quaid-e-Azam Thermal Power Limited (2015-10 – 2018-05)
Quaid-e-Azam Thermal Power Limited (QATPL) is a Government of Punjab enterprise operating one of Pakistan's largest oil-fired power plants with a capacity of 1,180 MW. As Finance Assistant, I managed regulatory compliance, NEPRA documentation, and working capital analysis for this critical national infrastructure project.
- Regulatory Compliance: Ensured full compliance with EPC, O&M, Implementation, and Loan Agreements, facilitating accurate, timely payment processing for a multi-billion-rupee public-sector power project.
- NEPRA Documentation: Led preparation and submission of indexation documentation for approved tariff components to NEPRA, ensuring precision and adherence to regulatory timelines.
- Working Capital & Tariff: Conducted working capital assessments for plant operations and supported tariff review petition submissions, applying financial and regulatory expertise to strengthen government submissions.
Management Trainee at Sapphire Group (2015-02 – 2015-10)
Sapphire Group is one of Pakistan's leading textile conglomerates. As Management Trainee in Internal Audit, I conducted risk-based audits and built the department's foundational control framework from the ground up.
- Audit & Frameworks: Conducted risk-based audits covering data analysis and testing; designed Audit Manual, Risk Register, and Budget Plan, establishing a structured internal audit control framework from scratch
Advisory Intern at Ernst & Young (2014-01 – 2014-08)
Ernst & Young, one of the Big Four professional services networks. As Advisory Intern, I gained hands-on experience across diverse clients spanning financial services, manufacturing, and stock exchange operations.
- Advisory Experience: Gained Internal audit and advisory exposure across Punjab Small Industries Corporation (AKHUWAT), Lahore Stock Exchange (Internal Audit), and Interwood Private Limited.
