The Milestone Ledger

Digital Assets Compliance Specialization (DACS)

Association of Certified Financial Crime Specialists (ACFCS)

Completed the Digital Assets Compliance Specialization (DACS) certification, earning 7 credits, through CERI-FI's Association of Certified Financial Crime Specialists (ACFCS).

Certified Fintech Expert™

Blockchain Council

Successfully completed all requirements & Criteria for Certified Fintech Expert™ certification through examination & training. Certificate ID: BCC-2026-C9ZMSU

Data Science Orientation Certificate — IBM Cognitive Class (Credly Verified)

IBM Cognitive Class / Coursera

Completed IBM's Data Science Orientation program. Verified digital credential issued via Credly (Badge ID: a87cf08e-c8ef-40f4-b17e-754c70b00789), powered by Coursera.

Financial Engineering and Risk Management Part I

Columbia University, New York (via Coursera)

Completed Columbia University's Financial Engineering and Risk Management Specialization Part I. Course series covers financial engineering, fixed-income securities, derivatives pricing, and optimization methods in finance. Coursera Verify ID: 4T5VLP4NVPO9.

Risk Management Programs for Cryptoasset and Blockchain

ACAMS

Certificate of Achievement issued by ACAMS (Association of Certified Anti-Money Laundering Specialists). 4 ACAMS Credits.

Tools for Data Science V2 Certificate — IBM Cognitive Class (Credly Verified)

IBM Cognitive Class / Coursera

Completed IBM's Tools for Data Science V2 course covering Jupyter, Watson Studio, RStudio, and open-source data science tooling. Verified digital credential issued via Credly (Badge ID: 8f9b26aa-5ac1-405a-9037-0f51b717246c), powered by Coursera.

Data Science Methodology Certificate — IBM Cognitive Class (Credly Verified)

IBM Cognitive Class / Coursera

Completed IBM's Data Science Methodology course covering the data science lifecycle from problem definition to deployment. Verified digital credential issued via Credly (Badge ID: 438efafb-0873-475e-940c-372490ce05b4), powered by Coursera.

Post Graduate Diploma Law (LLM) – Corporate Governance

University of Cumbria, United Kingdom

Post Graduate Diploma in Law with focus on Corporate Governance.

Doctor of Business Administration (DBA)

European International University, Paris, France

DBA in Risk Management.

Doctor of Philosophy (PhD) – Mathematics

University of Hertfordshire, United Kingdom

PhD in Mathematics.

Executive / Unit Head – Market Risk, Quantitative Risks & Capital Management

National Bank of Fujairah, Dubai, UAE

Promoted to Executive / Unit Head, leading Market Risk, Capital, Stress Testing, IFRS9 ECL, ICAAP and Models Governance. Reporting directly to Chief Risk Officer. Member of ALCO, Risk Committee, Investment Committee and Models Risk Committee.

IIM Indore — Strategic Financial Management for Executives

Indian Institute of Management Indore (IIM), India

First Pakistani national to complete the Strategic Financial Management Programme for Executives at the Indian Institute of Management Indore (IIM), conducted at Dubai, UAE. June – October 2020.

Lincoln Scholar – Master of Business Administration

York Business School, United Kingdom

MBA passed with Merit under Lincoln scholarship.

Paul Wilmott Scholar – Certified Quantitative Finance (CQF)

CQF Institute, United Kingdom

Awarded Paul Wilmott scholarship to pursue the Certified Quantitative Finance (CQF) designation.

Oxford Executive Leadership Program

Oxford University, United Kingdom

Completed the Oxford Executive Leadership Program.

Leadership Principles & Harvard ManageMentor

Harvard University / Harvard Business Publishing, USA

Completed Leadership Principles and Harvard ManageMentor programs.

Guest Lecturer – Financial Risk Management

Charles University, Prague / S P Jain Dubai / College De Paris

Teaching Financial Risk Management at Charles University (2019, 2021, 2022), Risk Management in Banking at S P Jain School of Global Management (2020, 2022), and Research Proposal at College De Paris (2023).

Senior Manager – Market Risk and Capital Management

National Bank of Fujairah, Dubai, UAE

Promoted (performance-based) to Senior Manager Market Risk and Capital Management.

Officer – BASEL Implementation and Risk Analytics

Commercial Bank International, Dubai, UAE

Managed BASEL II & III capital requirements and developed internal stress testing framework in line with QNB standards.

Instructor – CFA L1, FRM, ACCA F9 & P4

Lynchpin Institute, Abu Dhabi, UAE

Taught CFA Level 1, FRM, ACCA F9 and P4 courses.

Vice President – Risk Consulting

Compono Strategia, Geneva, Switzerland

Managed a team of 7 FTEs. Primary client was Barra and RiskMetrics (MSCI). Developed tools for managing and analyzing financial risks for clients across Europe and MENA.

Various Positions – Market Risk & Credit Risk

Union National Bank, Dubai, UAE

Managed ALM, Treasury limits monitoring, funding risk and daily VaR reporting using Sungard Treasury Management Solution. Part of annual ICAAP calculations.

Manager Market Risk

Samba Bank, Karachi, Pakistan

Established the risk management function. Prepared Minimum Capital Ratio reports per State Bank of Pakistan. Implemented Alchemy Risk Manager end-to-end. Produced daily VaR, Option Greeks and funding risk reports.

Associate Degree in Actuarial Science

United Kingdom

Distinction in Bayesian Statistics (2003–2006)

Master of Business Administration (with Distinction)

University of Karachi, Pakistan

Bachelor of Science in IT

Bachelor of Commerce