Nationality: Pakistani . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Date of Birth: Sep 3, 1966

Marital Status: Married/One Child

Education

1994 M.Sc., London School Of Economics

Completed a Masters Degree specialising in International Accounting and Finance from the London School of Economics and Political Science, London, UK.

1987 MBA, IBA, University Of Karachi

Was awarded a BBA(hons) and MBA degree specialising in Finance from the Insitute of Business Administration, University of Karachi, Karachi.

1998 Level 2 of Certified Financial Analyst

Passed the Level II examination leading to an Certified Financial Analyst (CFA) designation awarded by the Association of Investment Management and Research (AIMR). The CFA designation is awarded by AIMR, USA, after a candidate passes 3 exams & has 3 years experience. I have passed Level 2 and am a candidate for Level 3.

1989 Executive Program In Credit Analysis, Manufacturers Hanover Trust Corporation

Attended a one month course on Credit Analysis held by Manufacturers Hanover Trust Corporation, New York, USA.

1996 Introduction To Quality Management, Morcamation Management Systems Consultants

Attended a two day course conducted by Morcamation Management Systems Consultants, UK for MMC employees in Saudi Arabia.

1997 ISO-9000 Courses, TOTAL

Attended 1 day courses on Introduction to ISO-9000, ISO-9000 Tools, Procedures Writing, etc. conducted by TOTAL, Egypt for MMC employees in Saudi Arabia.

Membership in Professional Associations

Professional Experience Summary

11/98 - to date, Manager (Energy Analysis), Hagler Bailly Pakistan

At present working as Manager in the Energy Analysis Division of Hagler Bailly Pakistan (HBP), Islamabad, Pakistan. HBP is an associate of hagler Bailly Inc., USA and specializes in providing energy and environmental consulting services. My responsibilities include (a) providing financial, marketing and strategic inputs to energy sector projects, (b) managing projects related to financial analysis and energy, (c) providing finacial and organizational inputs to administration.

2/98 - 6/98, Head of Research, Westminster and Eastern Financial Services

Was head of equity research at Westminster and Eastern Financial Services (WEFS), Karachi, Pakistan. WEFS is a brokerage house with a seat on the Karachi Stock Exchange. My responsibilities included analyzing companies and managing the research section of 5 persons. The job ended in lay-off on a major decline in the KSE following nuclear tests.

9/94 - 9/97, Consultant, Management and Marketing Company

Served as a consultant at Management and Marketing Company (MMC), Riyadh, Saudi Arabia an affiliate of Anjum Asim. MMC is a consulting company specializing in the financial services sector but also providing training, quality, financial advisory and marketing services to general industry. My responsibility was to provide financial inputs.

3/91 - 9/92, Associate Consultant, Asim Shahid & Company (Grant Thornton)

Worked as associate consultant at Anjum Asim Shahid and Company (AASC), Islamabad, Pakistan. AASC is a chartered accounting firm affiliated with Grant Thornton, UK. My worked involved financial analysis of projects and valuations. My employment at AASC was interupted by my M.Sc. and after getting the degree I shifted to the AASC associate in Riyadh.

1/94 - 4/94, Equity Analyst, Ali Azam Shirazee/FIN-EX

This was a temporary job during my M.Sc. I worked as an equity analyst at a brokerage firm on textile and general industry.

6/88 - 9/90, Financial Analyst, National Investment and Securities Corporation

Served in National Investment and Securities Corporation (NISCORP), Abu Dhabi, UAE in the accounting and corporate finance departments. NISCORP was an investment boutique which went out of business following significant market declines on Iraq invasion of Kuwait. My responsibility was to provide financial analysis of investments.

3/88 - 6/88, Trainee, Experts Advisory Cell, Government of Pakistan

Worked as a trainee in the Economic Analysis (EA) division of Experts Advisory Cell (EAC). The EAC is the government body responsible for analyzing the financial performance of public sector industrial units and setting them targets on which the managers' performance is evaluated.

Significant Achievements

Investment Experience

1. Experience of analyzing private placements including energy (Tullow Oil) and technology (Geostar) companies.
2. Experience of financial analysis of real estate projects (mostly commercial buildings in USA).
3. Experience of analyzing listed companies on the Karachi Stock Exchange covering Textiles (in 1994), IPPs, Telecom and Diversified companies (in 1998).
4. Covered economics and overall stock market trends as Head of Equity Research.
5. Experienced in writing and editing market/stock reports.

Financial Projects

1. Project leader on financial and market study to determine feasibility of setting up a health resort in Saudi Arabia for making a rational decision on the proposal.
2. Main consultant on financial and market study of setting up a bank’s branches in various areas of Riyadh which was used as a basis of the business plan of the bank.
3. Prepared independently a valuation of two retail companies and one financial company in Saudi Arabia for the purpose of acquisitions.
4. Team member on market and financial study of personal insurance in Saudi Arabia that was used by a major bank to determine its strategy in this area.
5. Team member on market survey and feasibility of a casual dining restaurant chain in Dammam which enabled the company to turn down the investment proposal.
6. Main consultant on financial restructuring proposal for a hosiery firm in Pakistan which enabled the company to re-capitalization and start operating again.
7. Prepared independently a valuation of Malam Jabba Tourist Resort for the Privatization Commission that formed the basis of the Government’s evaluation of tender offers.
8. Main consultant on preparation of financial feasibility and placement document of a private hydro-electric power station in Pakistan which was used to solicit investments as a basis for agreement between sponsors.
9. Prepared a feasibility study and tariff calculations for a fuel oil fired power station on BOOT basis for a new private power project.
10. Prepared an analysis of the affect of finalization delays on the tariff of a private sector power project for use by the Government in negotiations.
11. Assisted in analysis of the financial aspect of power projects bid documents submitted to the Government of Pakistan to help the Government choose bids.
12. Prepared independently feasibility studies for cotton sector for investment decision purposes and as a basis of securing debt financing for projects. Feasibilities included textile weaving units producing gray cloth, integrated textile plant for producing denim cloth from cotton fiber and hosiery units.
13. Main consultant for valuation study and bid preparation of Mustehkam Cement Limited which resulted in a tender offer by the client in the privatization auction.

Strategy Projects

1. As member of the management prepared a discussion papers on the strategic directions possible for a brokerage house in Pakistan. The paper was the basis of a discussion that led to significant changes in the direction of the firm.
2. Team member of a study for a bank on opening further branches in Riyadh. The study suggested a new direction for the bank based on market survey findings.
3. Prepared an analysis of infrastructure based opportunities in the Gulf for company strategy purposes and a brochure explaining infrastructure privatization for service marketing in Saudi Arabia.
4. Prepared a draft strategy for the management of a financial company while working as a financial analyst there.

Other Projects Completed

1. Assisted project manager in preparing documentation in MMC’s ISO-9000 project that resulted in the company’s certification for ISO-9001.
2. Team member on a human resource study of an investment firm in Saudi Arabia that recommended new organization structure and prepared job descriptions instrumental in the re-organization of the firm.
3. Team member in a study of the market for blankets in the Kingdom of Saudi Arabia with recommendations on the possibility the client entering this sector.
4. Team member in a security audit at two banks in Saudi Arabia that resulted in implementation of new safety and security procedures and replacement of the obsolete hardware.
5. Prepared independently a study of the market for financial products in Abu Dhabi that helped guide my employer’s market strategy in the Emirate.

Ancillary Skills

1. High internet skills.
2. Highly proficient on Windows, MS-Word, MS-Excel, MS-Power Point, MS-Access Database, SPSS Statistical Software and ABC Flowcharter. Have also worked on Windows versions of Lotus 123 & Harvard Graphics.
3. Highly proficient in English and Urdu. Very elementary knowledge of Arabic.