Data Scientist

Resume posted by [email protected]

Desired position type: Any
Location: Lahore Punjab, Pakistan

Contact [email protected]


8 years of data science and advanced analytics experience in the financial services industry, seeking exposure in other domains.


London Metropolitan University, London, United Feb 2006 – Mar 2008

M.Sc. International Banking and Finance


Middlesex University, London, United Sep 2004 – Feb 2006

B.Sc. (Hons.) Business Information Systems with IT


Tez Financial Services (formerly KreditGeek), Lahore, Pakistan                                                        Oct 2016 – May 2017

Co-Founder & Chief Technology Officer

  • Developed concept paper, business plan and financial model for digital lending product.
  • Conducted requirements gathering and defined project scope in coordination with executive management and business units.
  • Formulated business processes to lay out system and user interface design.
  • Carried out product development by coordinating with internal teams, technology partners and external parties (including financial institutions).
  • Initiated enhancement of business functionalities and change requests of business systems and platforms in coordination with cross-functional teams.
  • Conducted and coordinated User Acceptance Testing (UAT) for developed solutions.
  • Managed cross-functional teams for planning, implementation and end-to-end delivery of products.
  • Ensured support & maintenance of the services/solutions in place by liaising with responsible parties.
  • Responsible for budgeting and financial reporting to investors and Group management team.
  • Liaised with regulators and external stakeholders for customer identity verification, credit bureaus and payment service providers, including negotiating and finalizing agreements with solution providers.
  • Regularly communicated project timelines and progress to stakeholders.
  • Featured on Thomson Reuters’ ZAYWA, Salaam Gateway and mysalaam news sites.
  • Shortlisted in Top 8 for USD 100,000 grant at Karandaaz Fintech Disrupt Challenge 2017.
  • Won ‘Best Idea Stage Startup Award’ at Startup Rumble 2017.
  • Won ‘Support Disruption for Good Award’ at Responsible Finance and Investment Summit 2017.


Telenor, Islamabad, Pakistan                                                                                                                     Mar 2015 – Oct 2016

Assistant Manager Credit Analytics – Financial Services

  • Managed end-to-end advanced analytics lifecycle for financial services division, overseeing model development, validation and deployment efforts.
  • Formulated credit strategies for unsecured mobile lending portfolios to strengthen credit risk management and assist on business growth.
  • Ensured compliance of model development and validation with Group guidelines.
  • Created reproducible documents for credit scoring and other predictive models for audit and knowledge sharing.
  • Liaised with software vendors and cross-functional teams for deployment of data mining platform (Dell Statistica).
  • Collaborated with Business Intelligence team to identify new sources of data and continue to improve the process of defining, extracting and utilizing the new data.
  • Developed relationships with business and support units for expanding scope of advanced analytics.
  • Contributed to portfolio reports, presented to senior management.
  • Provided hands-on training and knowledge transfer on data science to business units.
  • Contributed to internal technical forums.
  • Developed credit-scoring models for branchless banking and telco customers.
  • Used machine-learning techniques to maximize model accuracy and robustness.
  • Identified target customer base for maximizing take-up of international remittance product.
  • Maintained regular reporting on business and scorecard performance.
  • Recognized and awarded for hard work and commitment within first 3 months of service.
  • Promoted within 1 year of service in recognition of performance and expertise.


Allied Bank Limited, Lahore, Pakistan                                                                                                      Jun 2009 – Mar 2015

Market Risk Analyst – Treasury Middle Office (Jul 2012 – Mar 2015)

  • Developed Value-at-Risk models to quantify equity, foreign exchange and interest rate risk.
  • Performed ongoing back-testing of deployed models post successful implementation.
  • Conducted stress testing on investment portfolio, providing insights for key strategic decisions.
  • Authored policies and procedures at both department and enterprise level.
  • Re-engineered business processes and automated reporting activity to improve productivity.
  • Participated in system audits in order to improve accuracy of portfolio valuation and risk reporting.
  • Performed regular (daily/weekly/monthly/quarterly) reporting for market and liquidity risk and compiled management reports.
  • Quantified market risk based on industry best practices (Basel).
  • Established and maintained strong working relationships with various departments.
  • Promoted to Assistant Vice President in recognition of performance and expertise.


Credit Risk Analyst – Regional Commercial & Retail Risk (Apr 2011 – May 2011)

  • Reviewed SME borrower applications, assessing financial capacity and willingness to service debt.


Risk Analyst – Credit Modelling Unit (Jun 2009 – Apr 2011) (Jun 2011 – Jul 2012)

  • Developed corporate risk rating models for manufacturing concerns, trading concerns, service providers, commercial banks, non-banking financial institutions, asset management companies, insurance companies and brokerage houses.
  • Liaised with IT for operationalization of credit scorecards in production environment.
  • Performed user acceptance testing (UAT) for deployed credit models.
  • Reviewed and validated risk-rating models, scorecards on ongoing basis.
  • Supported Head Enterprise Risk Management with various ad-hoc assignments.
  • Promoted within 1 year of service in recognition of performance and professional commitment.


ABN AMRO Bank, Lahore, Pakistan                                                                                                            Jun 2006 – Jul 2006

Intern – Corporate Portfolio Management


Beaconhouse Informatics, Lahore, Pakistan                                                                                          May 2003 – Aug 2003

Teaching Assistant – ‘C Programming’ and ‘Data Structures with C’


  • R, VBA, MS Excel

Spoken Languages

    English, Hindi, Persian, Punjabi, Urdu