Islamabad, Pakistan Email:[email protected]
Phone: +92 335 9823456
Professional Profile
Finance and public-sector accounting professional with more than 11 years of experience in
financial governance, audit compliance, and ERP-based accounting systems within Islamabad
Electric Supply Company (IESCO / WAPDA), one of Pakistan's major national utility
organisations. Holds a Master of Science in Management Sciences (Finance) and has conducted
multiple research studies and publications focusing on financial markets, financial technology
(FinTech), cryptocurrency adoption, investment behaviour, sustainable finance, and AI-driven
financial systems.
Combines professional financial management expertise with academic research contributions,
specialising in SAP ERP financial systems, audit compliance, financial reporting, budgeting, and
institutional financial governance.
Key Areas of Experties
â?¢ Public-Sector Financial Management
â?¢ Government Accounting & Audit Compliance
â?¢ Budget Allocation & Expenditure Control
â?¢ SAP ERP Systems (FICO & MM Modules)
â?¢ Financial Reporting & Balance Sheet Preparation
â?¢ Internal & External Audit Coordination
â?¢ General Ledger & Trial Balance Management
â?¢ Bank Reconciliation & Payroll Administration
â?¢ Financial Governance & Regulatory Compliance
â?¢ Financial Technology (FinTech) Research
1 P a ge
â?¢ Investment Behaviour & Financial Market Analysis
Professional Experience
Accountant
Islamabad Electric Supply Company (IESCO) â?? WAPDA
Islamabad, Pakistan
2013 â?? Present
Responsible for financial governance, audit coordination, and ERP-based accounting operations
within a large public-sector utility organisation.
Key Responsibilities
â?¢ Budget planning, allocation, and monitoring of organisational expenditures
â?¢ Pre-audit examination of financial claims to ensure regulatory compliance
â?¢ Preparation and supervision of monthly accounts and financial statements
â?¢ Maintenance of general ledger and subsidiary ledger systems
â?¢ Preparation of manual and ERP-based trial balances
â?¢ Financial processing using SAP ERP (FICO and MM modules)
â?¢ Posting and verification of payments through ERP accounting systems
â?¢ Management of capital accounts, imprest cash books, and collection accounts
â?¢ Preparation of bank reconciliation statements and financial summaries
â?¢ Payroll administration and financial transaction verification
â?¢ Coordination with internal and external government audit authorities
â?¢ Monitoring budget vs expenditure performance
â?¢ Preparation of balance sheets and financial reports
â?¢ Management of inter-office financial transactions and accounting adjustments
â?¢ Oversight of asset registers and completion reports
2 P a ge
Professional Impact
â?¢ Strengthened financial accountability and reporting transparency
â?¢ Improved ERP-based financial reporting and reconciliation accuracy
â?¢ Supported regulatory compliance and audit transparency in public finance systems
â?¢ Contributed to efficient budget utilisation and financial governance frameworks
Research & Publication
Research interests include financial markets, financial technology, digital finance,
cryptocurrency adoption, sustainable finance, and AI-driven financial systems.
Selected Research Publications
1. Financial Inclusion in the Digital Era: FinTech Solutions and Socio-Economic Impact
2. Greenwashing or Genuine Value: The Impact of Sustainable Marketing Claims on Brand
Loyalty and Consumer Skepticism
3. Evaluating the Risks and Opportunities of Cryptocurrency Adoption for Retail and
Institutional Investors
4. Algorithmic Trading: Predictive Analytics, Robo-Advisors and Automated Financial
Forecasting
5. Sustainable Finance, Ethical Investing, and Investor Behavior toward Socially
Responsible Companies
6. How AI-Driven Personalization Shapes Consumer Trust and Purchase Intent in Digital
Marketing
7. Impact of Foreign Direct Investment on Stock Market Returns in Pakistan
8. Impact of Corruption, Political Instability and Economic Growth on Foreign Direct
Investment in Pakistan
9. Personality Traits and Financial Decision Making: Moderated by Religious Orientation
10. Market Research Study on Flowers Business (MBA Research Project)
These research studies examine modern financial technologies, investment systems, digital
financial inclusion, and macro-economic financial dynamics.
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Education
ï?? Master of Science â?? Management Sciences (Finance)
Shaheed Zulfikar Ali Bhutto Institute of Science & Technology (SZABIST)
Islamabad, Pakistan 2017
Focus Areas: Financial Markets, Corporate Finance, Financial Analysis, Economic Research
ï?? Bachelor of Business Administration (Honours)
CECOS University of IT & Emerging Sciences
Peshawar, Pakistan 2012
ï?? F.Sc Pre-Engineering
Board of Intermediate & Secondary Education Peshawar 2008
ï?? Secondary School Certificate
Board of Intermediate & Secondary Education Mardan 2005
Professional Training
Accounting Course
WAPDA Staff College, Islamabad 2020
ï?· IT Course
WAPDA Staff College, Islamabad 2023
ï?· MS Office & Internet Certification
University of Peshawar 2009
Internship Experience
Allied Bank Limited â?? Pakistan
Finance & Banking Internship 2012
Gained practical exposure to banking operations, financial services management, and financial
systems.
Additional Experience
Founder & Instructor (Part-Time)
4 P a ge
Khyber Tuition Academy â?? Peshawar
Provided academic instruction in business, finance, and mathematics while managing
administrative and operational activities.
Technical Skills
â?¢ SAP ERP (FICO Module, MM Module)
â?¢ Financial Accounting Systems
â?¢ ERP Financial Reporting
â?¢ Microsoft Office Suite
â?¢ Financial Data Analysis
Languages
English â?? Fluent
Urdu â?? Fluent
Pashto â?? Fluent
Arabic â?? Basic
Personal Information
Date of Birth: 5 May 1989
Nationality: Pakistani
Domicile: Mardan, Khyber Pakhtunkhwa
Professional Objectives
To contribute to modern financial governance, financial technology innovation, and institutional
financi
