Amjad Majeed is an experienced finance professional with expertise in financial reporting, taxation, and accounting. He has been associated with at VIS Credit Rating Company Limited since 2006. He is currently working as a Manager Finance, overseeing the accounting and financial reporting for the group. He leads a team of finance professionals and develops financial strategies, ensures compliance with regulations, and manages budgeting processes. His past experience includes roles as an Assistant Manager- Finance at VIS Credit Rating and Account Officer at Royal Airlines (Pvt.) Limited. Amjad is skilled in various accounting software, including Oracle and Peachtree. His career demonstrates a strong focus on financial management, strategic planning, and team leadership in the finance sector.

Arooba Ashfaq joined VIS Credit Rating Agency as a ratings analyst in August 2023 She has mainly worked on assignments pertaining to corporate entities and financial institutions. She graduated from Lahore University of Management Sciences (LUMS) with a bachelor’s in Accounting and Finance.

Abdul Kadir joined VIS Credit Rating Agency as a ratings analyst in March 2023. He has primarily focused on assignments related to corporate entities and financial institutions. Abdul Kadir graduated from Lahore University of Management Sciences (LUMS) with a Master's degree in Financial Management. He has prior experience working with KalPay Financials, where he played a key role in developing a new education financing vertical. Previously, he has worked at Big Feed Pvt Ltd as a Finance Associate.

Muhammad Subhan, born on June 23, 2000, is a skilled and experienced Bachelor in Finance from Karachi, Pakistan. As an Assistant Manager (Analyst) at VIS Credit Rating Company since September 2023, he has demonstrated exceptional abilities in financial analysis, client relationship management, and detailed reporting. Under his role as an analyst at VIS, he looks after different industrial sectors like steel, engineering, plastic & packaging, cables & electrical goods, and paper & board. His previous roles include Credit Analyst at United Bank Limited and Business Analyst at Jubilee General Insurance Company, where he contributed significantly to financial assessments and strategic planning. His internship at Al Habib Capital Markets, further displays his diverse skill set in finance and market analysis. He holds a Bachelor's in Business Administration with a majors in Finance from the Institute of Business Management, Karachi, and is proficient in English and Urdu, with basic knowledge of Italian. Subhan's accomplishments include being a team leader and runner-up in the Hult Prize 2020 competitions, and he has contributed to publications on transformational leadership style, purchase intention of consumers, and the edible oil industry.

Mr. M. Habib-ur-Rahman is a fellow of the Institute of Chartered Accountants in England & Wales. He has attended management level program (PMD) at Harvard Business School.
M. Habib-ur-Rahman has long association with Mutual Fund Industry. He held the position of General Management Finance & Investment with National Investment Trust Limited. He was NIT nominee director on the Board of Karachi Stock Exchange and various listed companies. He worked for NIT from 1971 to 1981 and then joined motorcycle industry, Atlas Honda Limited where he worked for fourteen years as Director Finance and then as Resident Director in-charge of Finance, Administration and Production. In 1995 he returned to mutual fund industry. He played an instrumental role in setting ABAMCO Limited that was the first asset management company in the private sector in Pakistan. M. Habib-ur-Rahman was its chief executive from 1995 to 2003. He joined Atlas Asset Management Limited as its chief executive officer from March 2004 till March 2018.
M. Habib-ur-Rahman is founding member and past chairman of Mutual Funds Association of Pakistan (MUFAP). The foundation of MUFAP was laid in 1995. M. Habib-ur-Rahman was Securities & Exchange Commission of Pakistan (SECP) nominee on the Board of Karachi Stock Exchange in 2001 & 2003. He was member of SECP Advisory Group on Capital Markets, member of the SECP Enquiry committee appointed in 2001 on management of Exposure Rules by KSE/ LSE and member of SECP Committee, appointed in 2013 to review the 2008 financial crises in capital market in Pakistan.
Presently M. Habib-ur-Rahman holds directorship in Atlas Asset Management, Atlas Insurance & Atlas Foundation.

Mr. Basheer A. Chowdry started his banking career in 1963. He is a gold medalist from Punjab University and holds a Diploma in Banking. He is also a Member of the British Institute of Management, Member of the British Institute of Directors, and Member of the Institute of International Affairs, London. He has vast banking experience in commercial, investment banking, international banking and the consumer financing business for the last 57 years. Having held senior positions at Bank of Credit & Commerce International, United Kingdom, he has been establishing and managing banks, modarabas, investment services entities and non-banking financial institutions and performing an active role in the regulatory evolution of the financial sector of the country. Besides serving as Chairman, NBFI and Modaraba Association of Pakistan, he has been a Director on the Board of Karachi Stock Exchange , participated in development of Code of Corporate Governance, served as a member of NBFI Restructuring Committee of Securities & Exchange Commission of Pakistan and the steering committee of the United Nations Development Program besides serving on the boards of commercial banks, Islamic banks, investment banks, insurance companies and various corporate entities. Mr. Chowdry has been closely involved in the evolution of non-banking financial regime in Pakistan with focus on Islamic finance. In his role as the Chairman NBFI and Modaraba Association of Pakistan for many tenures, Mr. Chowdry has been engaged in promoting market dynamics and assisting in developing an enabling regulatory framework of non-banking financial sector. He also participates in various welfare and philanthropic activities aimed at health and educational needs of the underprivileged communities.
Currently Mr. Chowdry is Chief Executive of Trust Modaraba. Besides being Chairman of NBFI & Modaraba Association of Pakistan last year, he is a member of the Executive Committee of Federation of Pakistan Chambers of Commerce and Industry and participating in various committees of State Bank and Securities and Exchange Commission of Pakistan.

Mahekash Kumar joined VIS as an Assistant Manager in the Ratings Division in March 2024. Since then, he has performed comprehensive due diligence and financial analysis across various sectors. His work involves examining financial statements, cash flow, industry trends, and preparing company projections. Before joining VIS, Mahekash has worked at Grant Thornton Anjum Rahman in the Transaction Advisory Services Division for over 1.5 years. There, he was involved in executing strategic transactions, preparing financial feasibilities, information memorandums and conducting valuations. Mahekash earned his bachelor's degree in Accounting and Finance from the Institute of Business Management in 2022.

Mohammad Ahmed joined VIS Credit Rating Company Limited in March 2024 as an Assistant Manager within the ratings division. In this role, he conducts thorough due diligence and financial analysis on a range of corporate entities and financial institutions, closely examining their financial statements, cash flow projections, and relevant industry trends. Ahmed holds a Bachelor’s degree in Accounting and Finance from the Institute of Business Administration (IBA), graduating with high merit. He is also an ACCA affiliate and has completed the Financial Modeling & Valuation Analyst (FMVA) certification. Additionally, he earned a world distinction in A-level Accounting. In his previous experience, Ahmed gained valuable experience as an Audit Associate at Ernst & Young (EY), where he honed his expertise in financial analysis, and financial modeling, further deepening his interest in finance.

Mr. Shahid Ghaffar possess vast experience of working at top positions in the financial market. He has served as Chairman and Managing Director, National Investment Trust Limited 2014 – 2017. Prior to that he was Head of Investor Relations and Corporate Representation and Member Management Forum at Habib Bank Limited (HBL) during the period 2012 – 2014. He was involved in the formation and development of HBL Asset Management Limited and was its Chief Executive Officer from 2005-2012.

Mr. Ghaffar has vast experience in Capital Market Regulations, Governance and Fund Management. He was Executive Director/ Commissioner, Securities & Exchange Commission of Pakistan and was instrumental towards implementation of wide ranging reforms in the capital market and capacity building of the Securities Market Division during the period 2000 – 2005. He was also Managing Director of Pakistan Stock Exchange (Former Karachi Stock Exchange) from 1998 – 2000 and was actively involved in introducing effective risk management measures, automation of trading system and enhancing capacity building of the exchange. During the period 1977-1998 he has served National Investment Trust Limited in various capacities in the Asset Management Division and was responsible for managing equity, fixed income portfolio and trading desk.

Mr. Ghaffar is presently Member, Audit Oversight Board, Pakistan and an External Member of VIS Rating Committee of VIS Credit Rating Company Limited.

Mr. Ghaffar holds a master’s degree in business administration from Gomal University, D.I Khan, Khyber Pakhtunkhwa, Pakistan. He has attended serval courses on Securities Regulations including the prestigious course conducted by Securities & Exchange Commission in Washington D.C., USA.

He is certified director from Pakistan Institute of Corporate Governance (PICG) and is currently serving as Independent Director on the Boards of following companies:


• • Jubilee Life Insurance Company Limited
  • Karandaaz Pakistan
  • Archroma Pakistan Limited
  • HBL Asset Management Limited
  • Awwal Modaraba Management Limited
  • Habib Insurance Company Limited

Sobia Maqbool is a risk specialist with over fifteen years of experience in Pakistan & the Middle East. She has been engaged in the credit ratings of a broad spectrum of banks & corporates in addition to sovereigns, in multiple countries. Her engagements with regulators have paved the way for improved risk assessments in various markets. More recently, she was engaged with a think tank and engaged in matters of public policy. Sobia has done her MBA from the Institute of Business Administration and MPA from the Harvard Kennedy School. She was also a recipient of the Fulbright Scholarship.

Sara Ahmed possesses 17+ years of experience in financial risk assessment and credit structuring. She has worked in Corporate Banking & Risk Management functions locally as well as internationally. Sara has been involved in the entity ratings of numerous corporate organizations as well as financial institutions besides being part of the Methodology and Criteria Development team. She holds a Master’s degree in Business Administration from the Institute of Business Administration, Karachi (2001).

Mr. Callea is a professional in the financial sector with over 35 years of experience mostly in the financial institutions with certain exposure to service and infrastructure sectors in Pakistan. He has held the position of Chief Executive of a leasing company for 10 years. His core areas of expertise cover leasing, development financing, project management, investment & merchant banking, strategic investment management and real estate. Major financial institutions he worked for include Pakistan Industrial Credit and Investment Corporation, State Life Insurance Corporation, Bankers Equity, Crescent Leasing Corporation and Saudi Pak Ind. & Agri. Inv. Company. He has also served as Member Finance of Water & Power Development Authority of Pakistan and as member of the Inquiry committee on stock exchange crises in 2000 commissioned by the SECP. He earned his MBA degree from the Institute of Business Administration in 1974

Maimoon possesses 20+ years’ experience in financial risk assessment with focus on credit ratings, conventional finance, and general management. He possesses management experience in the fields of financial risk modeling, asset management and brokerage. He has been actively involved in both buy and sell side capital market research. Maimoon’s overall experience comprises ratings of entities across a range of sectors including financial – Commercial banks, investment banks, asset management companies, leasing companies, modarabas, securities houses and insurance companies – and corporates in different industries. He obtained his B.S in Applied Geology from Punjab University, Lahore. He also has Masters Degrees in Business Administration with majors in Finance.

President & CEO, VIS Credit Rating Company Limited Founder, VIS Group Chairman, Association of Credit Rating Agencies in Asia Mr. Ahmad possesses 30+ years’ experience in financial risk assessment with focus on Islamic finance, venture capital and general management. He has top level management experience at international level in the fields of credit ratings, Islamic and conventional financial risk assessment modeling, industrial management and construction engineering. Mr. Ahmad is an active participant at international forums on Credit Ratings. He obtained his B.S in Civil Engineering from NED University of Engineering and Technology, Karachi. He also has Masters Degrees in Engineering and Business Administration from USA.

Useful links:

• Listed among the top 5 CEOs in Pakistan 2015
• Listed among the top 5 CEOs in Pakistan 2016
• Research on Frost Heaving

Faryal Ahmad Faheem has been associated with VIS Credit Rating Company since 2006. She has primarily been involved in rating assignments of financial institutions as well as corporate organizations besides her role in the general management of the company. She has worked extensively in the areas of in-depth financial and risk analysis of the banking as well as mutual fund industry with specific focus on management quality ratings and fund rankings. She has also been involved in the methodology development process at VIS. She holds a Master’s degree in Business Administration from the Institute of Business Administration, Karachi (2005) and also a Risk and Corporate Management certification from Columbia University, USA.

Saeed Khan has served VIS group since its inception. Before joining the Group, he held senior positions in different manufacturing concerns and carries work experience of 44 years. He is a Fellow member of the Institute of Chartered Accountants of Pakistan. He has been associated with JCR-VIS since 1997.

Faisal joined VIS credit Rating Full time as IT Director in 2013. At the same time, he was appointed CEO of a startup and sister company of VIS, Pak Ujala Pvt Ltd. Faisal holds a Bachelor’s degree in Computer Science and Management from University of Nottingham Malaysia and a Master’s degree in IT from Northwestern University Chicago in June 2013 with a C-GPA of 3.9. His first Job was at Summit Bank, where he succeeded at rendering the Customer Relations Department completely paperless. Designed, developed and deployed a nation-wide web based Customer Kiosk in every branch. He Introduced OCR technology for hand written forms, reducing costs up to 40%. He also contributed in developing the world's first solar hybrid freezers and successfully deployed 25 of them across the country for Walls Ice-cream, Unilever. Since then he has been developing various smart devices for organizations such as Standard Chartered, Silk Bank, FedEx and Dominos to bolster their internal efficiency.

Bilal joined VIS Group at its inception and since has been engaged in most research and development ventures undertaken by the group companies. Prior to joining JCR-VIS, he has been engaged with other VIS Group Companies in different capacities. Bilal was also a key resource in coordinating and developing the methodology for “Mapping National Scale Ratings over Sovereigns in Asia”, which was spearheaded by the CEO, JCR-VIS. His career spans over 25 years and includes work experience in the Middle East and local stock market brokerage houses. He holds an MBA degree and has also completed various courses in Economics and Investment Analysis and Data Science.

Mr. Owais is an experienced professional having worked in Economics, Credit Ratings and Financial Risk Management for 12+ years covering around 16 countries globally. He is currently working with Islamic International Rating Agency (IIRA) as a Country Manager and Head of Sovereign Ratings involved in conducting credit ratings of governments, corporates, Islamic banks and Takaful in around 16 countries globally. Prior to joining IIRA, Mr. Owais has worked with A. F. Ferguson and Co. (PwC Pakistan) as a business and risk consultant providing services to almost all major Banks in Pakistan. Mr. Owais is also an author, teacher and a corporate trainer in the domain of Economic Analysis and Financial Risk Management. Academically, he has a degree in Actuarial Science and currently pursuing MPhil leading to PhD in Economics. He is also a Certified Financial Risk Manager from GARP, US and Certified Shari’ah Adviser and Auditor from AAOIFI, Bahrain.

Mr. Ayub joined VIS Credit Rating Company (VIS) in 2013, as a Credit Rating Analyst for VIS’ broad range of clientele of Financial Institutions & Corporate. In 2015, he was hired by Islamic International Rating Agency (IIRA), an associate company of VIS, where he was assigned to work as a Credit Rating Analyst for IIRA’s clientele situated across Middle East, North Africa & Turkey (MENAT) region. In 2018, Mr. Ayub rejoined VIS as Senior Manager, presently leading a team of 2 analysts. Mr. Ayub is also the lead analyst working on VIS’ premier ESG Grading product, which is a collaboration with 3 other foreign rating agencies. Mr. Ayub possesses 8+ years of experience in the area of credit analysis, having worked across a diverse range of sectors and jurisdictions. Mr. Ayub holds a Bachelor’s degree from the University of Nottingham in 2011 and was awarded the CFA charter in 2018.

Muhammad Dawood Ravda is a qualified chartered accountant from Institute of Chartered Accountants of Pakistan. He was associated with Ernst & Young for completion of his mandatory apprenticeship. During his tenure at EY, he performed audit of companies of various industries including textile, pharma, engineering, oil and gas, sugar & alliances and cement. He was also seconded to Ernst & Young- Saudi Arabia for about 3 months to perform audit of hospitality industry. He joined VIS in December 2020, as a Group Head of Finance. He handles all the financial reporting related matters, including coordination with external and internal auditors. Moreover, he has been dealing with all the secretarial responsibilities to ensure compliance with the Corporate Laws. He also implemented the new HR system for VIS Credit Rating Company, in collaboration with S.M Rehan & Co.

Muhammad Abubakar graduated from University of Engineering & Technology, Lahore in Dec 2000 with a Bachelor in Chemical Engineering. He also holds a Master’s degree in Business Administration from Lahore University of Management Sciences (LUMS), June 2006. He began his professional career from Dawood Hercules Chemicals as a Trainee Engineer. Later, he joined Nimir Chemicals Pakistan Limited as an Assistant Production Manager, where he handled production and planning activities of the plant, for a period of two years. He then changed his career after his MBA, joined UBL as a Risk Analyst and worked there for about one and half year, carrying out credit analysis of commercial clients of the bank. In Jan 2008, he joined Standard Chartered Bank as a Relationship Manager and fulfilled the role of business development of their corporate clients. In June 2011, he got a chance to join Dubai Islamic Bank as a Unit Head Credit Approval and held the responsibility of credit evaluations and approvals for corporate clients of the central region. In Oct 2018, Abubakar joined VIS Credit Rating Company Limited as a Group Head Business Development-North. During this period, he looked after business development activities of the central and north region. He was promoted to Group Head Research & Business Development in Oct 2023 where he also looked after Research department in addition to countrywide business development activities.

Asfia Amanullah has been associated with VIS Credit Rating Company since 2017. She has been primarily involved in undertaking rating assignments of corporate organizations and financial institutions. Her scope of work encompasses financial, operational and management risk analysis. She has worked extensively on various sector reviews over the course of her professional career. She was previously associated with Shajar Capital as a Research Analyst. She holds a Master’s degree in Business Administration from the Institute of Business Management, Karachi (2017).

Maham Qasim is a seasoned professional with nearly a decade of experience in the field of credit ratings, having been an integral part of the VIS team since August 2014. During her tenure, she has led the credit risk assessments for a diverse portfolio of financial institutions including commercial banks, microfinance institutions, insurance companies and asset management firms as well as a wide array of corporates. She has also been involved in the development of several comprehensive sector reviews during her time at VIS. Additionally, she briefly worked at the Bank of Punjab (BOP) within the Risk Asset Review division as well. Maham holds a Master’s Degree in Business Administration with majors in Finance and Banking from Lahore School of Economics (2014).

Mr. Muhammad Tabish has been associated with VIS since July 2017. During the course of his career, he has been involved with rating assignments in a broad range of sectors including industrial corporates, banking, asset management, brokerage and insurance. He covered eight sector and an economy update in a period of three years. Mr. Tabish holds an undergraduate degree in Accounting & Finance from Institute of Business Administration (IBA) Karachi. He is currently pursuing MBA from IBA.

Basel Ali Assad joined VIS Credit Rating Agency as a ratings analyst in September 2022. He has mainly worked on assignments pertaining to corporate entities and financial institutions. He graduated from Lahore University of Management Sciences (LUMS) with a bachelor’s in Accounting and Finance. Additionally, he has interned at Pakistan Credit Rating Agency (PACRA) in the ratings department as well as the National Incubation Center Lahore (NICL) during his undergraduate.

Rameez joined VIS Credit Rating Company in June 2022. He has experience of over 7 years in finance and audit. Before joining the Company, he was associated with Loads Limited (Loads Group of Companies) as AM Financial Reporting. He completed his article ship from Riaz Ahmad & Company Chartered Accountants, (a member of NEXIA International).

Mr. Ali is a professional banker having more than thirty years of experience mainly in risk management, project finance, project management and credit management. He has worked in leadership positions in local as well as international financial institutions and commercial banks. He obtained his B.S degree in Mechanical Engineering from NED University of Engineering and Technology, Karachi. He also holds Masters Degrees in Business Administration from the Institute of Business Administration, Karachi and Management from USA.

Ahmer has joined VIS in March 2024. He is an ACCA Qualified and has 2 years of experience in accounts & finance. Before joining VIS, He has been an accounts trainee of one of the Big 4 Accounting firms which is KPMG Taseer Hadi & Co. He also worked as an accountant in finance in a very well-known Pharmaceutical company Asian Continental Private Limited (ACPL). On his own He is a founder of his own Cattle & Goat farm and has a lot of experience in Livestock Business.

Ahsan Bin Sajid joined VIS Credit Rating Company in May 2023 as Assistant Manager in the Compliance department. In this role, he oversees regulatory adherence and internal policy implementation. Prior to his current position, Ahsan served in a Marketing Department for more than 3 years, where he honed his skills in client relations and market analysis. His diverse experience in both compliance and marketing provides him with a unique perspective in his current role. Ahsan's professional journey at VIS Credit Rating Company showcases his adaptability and commitment to excellence in the financial services sector.

Muhammad Amin Hamdani has been associated with VIS Credit Rating Company since 2020. He started working as an analyst as a valuable part of our rating team. He works closely with the clients in order to issue initial ratings and annual surveillances. Amin has a strong background in the investment industry, with cumulative experience of four years as a buy-side and sell-side analyst at reputable financial companies. He was among the top students of his batch and holds a Master’s Degree in Business Administration. This academic prowess was in continuation of his achievement of being the silver-medalist in his Bachelors.

Mohammad Hassan Daniyal has been associated with VIS Credit Rating Company since August, 2022 as a Rating Analyst. He has been primarily engaged in undertaking rating assignments of financial institutions and corporate organizations which involves due diligence review, financial analysis, risk data mapping and issuing initial ratings. Daniyal has done extensive research on capital markets, investments portfolios, and financial assets. He holds a Bachelor’s degree in Accounting and Finance from Lahore University of Management Sciences (LUMS) with an award of High Distinction.

Saeb Muhammad Jafri has been associated with VIS Credit Rating Company Limited since 2023. His responsibilities encompass the execution of rating assignments for a diverse range of corporate entities, spanning multiple sectors. With four years of professional experience under his belt in the financial sector, Saeb has considerable understanding of financial analysis. His educational credentials include a Master's degree in Business Analytics from Karachi School of Business & Leadership and is currently pursuing the CFA program, with Level 1 cleared.

Syeda Aaminah Asim has been associated with VIS Credit Rating Company since 2020, and has been primarily involved in rating assignments of corporates and financial institutions. She has also worked as a credit analyst/officer in a bank where she was involved in preparing and analyzing credit requests. She holds a Bachelor’s and Master’s degree in Business Administration from Institute of Business Administration, Karachi and is currently a CFA Level II Candidate.

Tayyaba Ijaz joined VIS Credit Rating Company in November 2018, where she has excelled in her role as a rating analyst. Her responsibilities have encompassed a diverse range of corporate and financial institution rating assignments. Through meticulous data analysis, she has consistently provided valuable insights into potential risks, concerns, and decision outcomes. Additionally, Tayyaba has demonstrated a keen ability to identify pertinent economic and financial trends that can impact an organization's performance. She has also conducted comprehensive sector risk assessments.
Tayyaba's academic qualifications include a Bachelor's degree in Commerce (Hons.) from Hailey College of Commerce, University of the Punjab, which she earned in 2012. Furthermore, she has achieved a significant professional milestone by successfully clearing all three levels of the Charter Financial Analyst (CFA) program in 2018.

Syeda Batool Zehra Zaidi has started with VIS Credit Rating Company Ltd in 2019. She has been primarily engaged with rating analysis of mutual funds and brokerage entities. Batool has worked on financial and qualitative analysis of brokerage entities in Broker Management and Broker Fiduciary Ratings; apart from this she also works on rating assignments for other corporate entities in various sectors of the industry. She holds a bachelor’s degree from University of Karachi and AFC Certification from ICAP, at present she is pursuing her post-graduation degree from IU.

Musaddeq Ahmed Khan has been part of the VIS Credit Rating Company since October 2021. He has a strong foundation in the Accounting and Finance domain as he did his Bachelors in Accounting and Finance from the Oxford Brooks University in 2017 and completed his Master’s in Business Administration (MBA) in Finance from the Institute of Business Administration (IBA), Karachi in 2020. During a brief period with VIS credit ratings, he has completed rating assignment and conducted in-depth financial and risk analysis of corporate companies and financial institutions. On his own he is a freelancer who provides accounting services to clients all across the world.

Dr. Jahanzaib Alvi is a Manager (Analytics) and Assistant Professor at IQRA University as adjunct faculty. He earned his PhD degree from IQRA University in Finance (Credit Default Prediction by Machine Learning – The Power of AI), he is also a certified Data Scientist and Machine Learning expert with an extensive research portfolio in credit default prediction and other financial topics. He has published more than 25 research papers in international journals and presented his findings at several international conferences. His work is highly regarded, and he was even featured on the Harvard University homepage. He is also editorial board member of Financial Studies Romania and reviewer of Journal of Finance & Economics Research (IQRA University). He is expertise in the field of credit rating and finance, coupled with his research acumen and credentials make him a valuable asset to the organization.

Shanzay holds a Bachelor’s degree in Business Administration from Institute of Business Management, Karachi. Right after her graduation, she joined VIS Credit Rating Company Limited in November 2021 as an Assistant Manager- HR. She has been working as a strategic contributor in the growth of the HR department. She has supported the development and implementation of HR initiatives and systems. Her impact extends across various facets of HR management, including but not limited to recruitment, implementation of effective onboarding to off boarding procedures, assisting in training and development programs and maintenance of employee records in accordance with the policy of the Company.

Mr. Salman Saba joined VIS Credit Rating Company Limited as a Senior Assistant Manager in the Ratings Division and has been part of our team since March 2024. His expertise in finance, conducting due diligence and financial analysis makes him a valuable asset to the organization. He has a strong background in the Equity Brokerage industry and possesses over 6 years of experience in Capital Market with reputable institutions. Prior to joining VIS, Mr. Salman Saba was engaged at Darson Securities Private Limited as the Compliance Manager for over 2 years.

Shaheryar joined Vis Credit Rating Company in August 2022. He holds a Bachelors degree from IBA, with majors in accounting and finance, acquiring strong foundations in accounting and finance. He has interned at AGP Limited in finance department where he was responsible for bookkeeping. He was also a Project Trainee at Habib Bank Limited in Trade Department.

Sohaib started working with VIS Credit Rating Company in August, 2022. He graduated from Institute of Business Administration, Karachi in June 2022 with a Bachelor’s degree in Accounting & Finance. He has interned with Indus Group of Companies in their finance department. Sohaib did his Experiential Learning Project with Meezan Bank where he worked with their Shariah team to develop a regulatory framework for the issuance of Social sukuks in the Pakistani market.

Qudsia joined VIS Credit Rating Company Limited in October 2022. She graduated from Lahore University of Management Sciences, Lahore in June 2022 with Bachelors in Accounting and Finance.

Manzar joined VIS Credit Rating Company in April 2022, He possesses around 34 years of experience in the fields of Finance and Management with major concentration on Data Management, Systems and Procedures Development, Back Office Support, Risk Analysis and Sector Studies. He was associated with Bankers Equity Limited, Saudi Pak Leasing Company Ltd, VIS Credit Rating Company and Meezan Bank Limited. Manzar holds Masters Degrees in Business Administration with majors in Finance He also attended number of short courses and programs during his career including Executive Development Program from the Whittemore School of Business and Economics, University of New Hampshire USA.

Mr. Syed Hasan Ali is accomplished Finance Head with over 13 years of extensive experience in financial management, strategic planning, and operational efficiency across diverse industries. Proven track record of driving financial performance, optimizing budgets, and implementing effective financial controls. Exceptional leadership skills, adept at building and mentoring high-performing teams, fostering a culture of collaboration, and aligning financial objectives with organizational goals. He also has substantial practical expertise in Human Resources, performance analysis, and secretariat functions.

Mr. Syed Hasan Ali has professional affiliation with the Institute of Cost and Management Accountants (ICMA - International) and conferred with a Master's degree in Economics. He joined VIS as Group Head of Finance in 2024. Prior to this role, he spent 12 years at UBL Insurers Limited, where he served as Vice President - Head of the Accounts Department. He also held the position of Senior Manager of Finance at Mind the Assets Consultants.

Ilyas joined Vis Credit Rating Company in September 2022. He graduated from IBA with a Bachelor’s degree in accounting and finance. He is a former finance intern at SSGC and DEA where he was responsible for maintaining books of accounts. Additionally, he also worked at Ascend Consulting as a project trainee to devise an EVP strategy on current market trends.

Mr. Rahim commenced insurance career with UK’s Northern Assurance in 1958 which later merged with Commercial Union and until his retirement in 2000 he was Country Head for Non-life business. He then moved to local companies Central Insurance- (now Cyan Ltd) as CEO plus Adamjee and Jubilee General as Director. Presently last 7 years CEO in Oman’s insurance brokerage Risk Management Services Pakistan. He worked for JCR-VIS as Advisor for 3 years. He is Associate Chartered Insurance Institute of UK.

Ms. Nabiha has 20 years of post qualification experience of which 15 years are in leadership roles. She qualified from PWC and has a diversified experience of working with different organizations engaged in audit and assurance, corporate consultancy, banking, insurance, higher education, mergers, acquisitions, investigations & business process re-engineering. She has also been associated with a commercial bank for handling responsibilities of product development and launch of consumer banking. Ms. Nabiha has served on the Board of Directors of several blue chip companies in textile, cement, power generation, hospitality and insurance sectors. She has also served on the Economic Advisory Committee, a think tank of the Institute of Chartered Accountants of Pakistan and has been an active member of Education and Training Committee of the Institute of Chartered Accountants of Pakistan.

Hasan Rashid has a Long and consistent track record in Banking Industry whilst leading efficient departments including Corporate & Investment Banking, Commercial Banking & SME Banking. Hasan Rashid has maintained an excellent track record of increasing banks market share and profitability, reducing costs and enhancing business operations, through advanced Corporate & Investment banking abilities along with proven decision making ability resulting in positive impact on institute’s bottom line. Hasan Rashid started his career as MTO in Bank Alfalah and has also worked in MCB Bank, Burj Bank and his last assignment was in Samba Bank Limited Regional Head / SVP (Central & North) while looking at a book size of 34Bn with over 100 obligors, with NPL ratio of less than 0.5% which is well below industrial level. As a testimony of his excellent service to Samba Bank, Hasan was nominated inTop-10 employee category for 5 consecutive years. Hasan Rashid left banking to pursue a more challenging career in Credit Rating and has joined VIS Credit Rating Agency in 2022 and is currently heading credit rating of FI Division

Adam joined VIS in November 2022. He is an ACCA Member and has 7+ years of experience in finance and taxation across different sectors. Before joining VIS, he was associated with AGI Denim (Pvt.) Ltd, as an AM-Finance. He has completed his internship from EY Pakistan.

Muhammad Meeran Siddique assumed the role of an Assistant Manager within the ratings division at VIS Credit Rating Company Limited in January 2024. Since then, he has conducted comprehensive due diligence and financial analysis on multiple corporate entities and financial institutions, examining their financial statements, cash flow projections, and pertinent industry trends. Meeran holds a Bachelor’s in Business Administration (BBA) from the Institute of Business Administration (IBA), graduating in 2022 with a si¬¬lver medal for outstanding academic performance. Demonstrating a commitment to professional growth, he has excelled in the first two levels of the Chartered Financial Analyst® (CFA) Program and is currently pursuing the final level. During his undergraduate studies, Meeran gained valuable experience through internships at Pakistan Petroleum Limited (PPL) and the State Bank of Pakistan (SBP), where he refined his skills in financial analysis, financial modelling, and report writing, cultivating a keen interest in finance.

Afifa Khalid has graduated with a Bachelors of Science in Accounting & Finance from Institute of Business Administration (IBA), Karachi, in 2023. She has previously worked as a Programs Associate with NOWPDP, before joining VIS Credit Rating Company Ltd. as an Assistant Manager in the Ratings Division. Afifa is involved in the credit ratings of corporates in the consumer goods industry, specifically the rice and dairy sectors. She is also working in the ratings of development financial institutions. She has a passion for accounting & finance and has a strong grip on financial analysis with attention to detail.

Zainab Imran is an accomplished professional currently serving as an Assistant Manager in the Ratings Division at VIS. She holds a Bachelor's degree in Computational Finance from NED University (NEDUET). With extensive experience in investment advisory, corporate research, and data science, Zainab blends her finance expertise with advanced technology knowledge, making her a valuable asset in her field.

Hannan joined VIS Credit Rating as a ratings analyst in November 2022. He has been engaged in the rating assignments of corporates across various sectors. Previously, he had worked with a startup to devise their go-to-market strategy. Additionally, he has interned at Crowe Horwath LLP in their consulting department, as well as at Nestle Pakistan as a project trainee. Hannan has a keen interest in the financial markets and keeps himself updated with the latest trends in the industry.

Vernon Joseph Vellozo has joined VIS as an Assistant Manager in the Rating Division in March 2023. He has completed his Bachelor’s degree from NED University in Computational Finance. Vernon brings with him experience of working in the banking sector as he was recently associated with JS Bank in the Risk Management Department. He is also a part time teacher having 3+ years of experience, involved in preparing candidates for the IELTS exam.

Husnain graduated with an MBA from Lahore School of Economics. He has internship experience in FMCG, textile, automobile and telecom sectors. Prior to joining VIS, Husnain was working in the Corporate Sales function of a leading Modaraba.

Muhammad Saad Aslam is an innovative Software Engineer Manager based in Karachi, Pakistan, with over 9 years of experience. Joining VIS Credit Rating Company Limited as the Manager of Software Development in 2021, Saad has made impactful contributions by designing applications for industry leaders like PwC (A.F. Ferguson & Co.), Pak Suzuki, Islamic International Rating Agency (IIRA), Engro Fertilizer, English Biscuit Manufacturers (EBM), Getz Pharma, and implementing solutions like the Loom & Spinning Management & Monitoring System for the Textile Industry.

Currently at VIS Group, Saad specializes in managing groundbreaking projects, streamlining processes, enhancing interfaces, and implementing advanced algorithms. In his previous role as a Senior Software Engineer at Call a Consultant, he led the development of specialized systems for the Textile industry, showcasing his versatility.

Saad's technical consultancy at A.F. Ferguson & CO. reflected his prowess in designing solutions for diverse projects, from car financing applications to recruitment portals. With academic achievements including a Master's in Software Engineering, a Bachelor's in Computer Science, and a Diploma of ACCP PRO, Saad's skills span UX/UI design, application development, project management, and client dealing. His unique blend of technical expertise, effective communication, and leadership sets him apart in the software engineering landscape.