Australian Military Bank Ltd

Finance transformation 
Margin management 
Cost efficiencies 
Strategic KPIs
FP&A
Automation of Regulatory Reporting 
Capital optimization 
ALCO
ICAAP & Stress Testing 
Budgeting and Planning

Deputy Chief Financial Officer

Universal Mind Mapper

Training and Development

Director - Financial Advisory

Deloitte

CFO Advisory - Banking & Capital Markets

Ahli Bank QSC

Strategic Planning 
•	5 Year corporate strategy formulation for the bank with 5-year financial forecasts 
•	Financial strategy formulation including capital planning and dividend policy formulations
•	Responsible for the preparation of Bank wide Annual Budgets and Business Planning
•	Internal Capital Adequacy Assessment Process (ICAAP)
•	Responsible for ALCO and Management Committee Presentation packs
•	Risk adjusted performance measures (RAROC) for the bank, business units & sectors for the 
        purpose of capital allocation 
•	Comprehensive peer comparison analysis of Qatari banks, highlighting key challenges and 
        weaknesses
•	Duration wise interest rate sensitivity analysis and analysis of maturity profile of assets & liabilities 
        of the bank
•	Banking Industry Research (Qatar & region)
•	Quarterly Investor Presentation

Management Reporting 
•	Well integrated MIS system including customer profitability 
•	Business unit performance measurement and branch profitability including fund transfer pricing 
        and indirect cost allocation
•	Yield/Cost of funds monitoring
•	Product profitability analysis on banks lending and deposit products
•	Review of pricing of retail products both loans and deposits and proposing changes 
•	Performance measurement of bank’s investment portfolio based on Sharpe measure, Information 
        ratio & Portfolio VAR
•	Analysis of bank's bond investment portfolio 
•	Ad-hoc MIS pertaining to specific decisions 

Corporate Finance
•	Capital Budgeting and critical financial evaluation of Bank's capital investment decisions based on 
        NPV, IRR and ROI
•	Evaluation of acquisition proposals of the bank based on various valuation techniques including 
        FCF models
•	Building long term capital plans in conjunction with business growth projections 
•	Identifying the long term stable funding requirements of the bank  
•	Responsible for carrying out presentations for rating agencies  – Moody’s, Fitch Ratings

Head of Strategy & Analysis

Moody's Analytics Knowledge Services

After going through a vigorous 2 month training program and rated grade A on the training evaluation; carried out equity research for a leading investment bank, covering the Pan European Equity Stocks. Leading the analyst team and responsible for achievement of deadlines and ensure high quality control and attention to detail. 

Creating and updating financial models for the companies in coverage with estimates 
Creating and maintaining valuation models to arrive at  intrinsic values and target prices for 
the equity securities under coverage
Building and maintaining complex industry models; publishing industry updates
Writing and publishing of earnings notes (previews and reviews) with a recommendation and a 
price target
Conducting industry research (Oil & Gas, Banking, Paper and built complex models)


Achievements

Successfully developed a model to capture the financial risk of European Equity stocks during  
the financial crisis 2008-2009 including debt maturity analysis with stress testing analysis 
Successfully managed and groomed a team of equity analysts
Developed Training Materials mainly analyzing the impact of IFRS amendments in Equity
Valuation

Associate Vice President

SC Securities (Pvt) Ltd

Equity Research Analyst- Head 

Headed the research division conducting equity research on listed companies. 

Prepared daily and weekly market updates which were mainly sent to institutional investors. 

Carried out financial modeling and forecasting. 

Company visits, good rapport with IR of blue-chips. 

Proven track record of making successful calls on the economy as well as on equities.

Head Of Equity Research

JDC (Pvt) Ltd.

Reported directly to the managing Director on product profitability and customer profitability. 

Was in charge of designing a marketing research project, which is used to shape the business strategies of the company. 

Worked together with Finance manager in budgeting and cash flow planning.

Management Accountant

Eswaran Brothers Exports

Analyzed the financial accounts and reported directly to the Group Chairman. 

Coordinated with accountants in relation to the major variances identified. 

Arranged monthly meetings and monitored the implementation progress of the decisions taken. 

Managed the Group’s investment fund by determining sound investment opportunities and highlighting risks

Accountant ,Private Wealth Manager & Risk Advisor

Strategic and transformation-focused senior finance executive with over 20 years of global experience across Australia, the Middle East, and Europe in banking, capital markets, and financial services. Currently Deputy CFO at Australian Military Bank, leading end-to-end financial operations, long-term financial modelling, and APRA-aligned regulatory reporting. Proven record in driving profitability improvements (NIM, ROA, cost-to-income), optimising capital, and delivering actionable insights to boards and CEOs. Deep expertise across FP&A, ICAAP, ALCO, M&A, and financial strategy. Recognised as a trusted advisor and business partner in dynamic, regulated environments.

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