Highlights:Insurance & Risk Expertise Developed strong skills in analyzing loss ratios, premium trends, and reserves for insurance companies in Pakistan. Hands-on experience with financial analysis of insurers like East West Insurance, Asia Insurance, and Habib Insurance, including preparing executive summaries on premium distribution and business categories. Knowledge of IFRS 17 concepts (Liability for Remaining Coverage, PAA) and IAS 19 (Employee Benefits) with the ability to build supporting Excel models. Exposure to CAT (catastrophe) modeling and reinsurance (facultative criteria, leader shares). Data & Analytics Skilled in Excel (pivot tables, claim analysis, reserve calculations, premium rate comparisons). Proficient in Python (building models for calculating insurance loss ratios, working with Excel files, and learning to create projects in Visual Studio). Experience in Power BI dashboards for insurance and financial analysis. Technical & Coding Journey Learning to build apps with Flask (Python backend) and React (JavaScript frontend). Exploring statistical techniques for insurance pricing and risk analysis. Professional Development Preparing for Society of Actuaries (SOA) exams to deepen actuarial knowledge. Freelancing experience in Excel, Python, and Power BI projects, offering analytical solutions to clients.

Skills:Data Related , Risk Related, Analyst

Goal:To build a strong career in insurance and risk management by applying financial analysis, actuarial techniques, and data-driven tools such as Excel, Python, and Power BI. I aim to specialize in pricing, loss ratio modeling, and risk analytics, while contributing to the stability and growth of insurance companies. My long-term goal is to become a trusted professional in insurance analytics and risk management, bridging technical expertise with strategic decision-making.

Membership:None

Certification:IBM Data Analysis Project Dashboard Certification from extreme commerce

Honor:None

Assistant Manager 03/2024 - current
Habib Insurance Company Limited, Karachi, Sindh Pakistan
Industry: Insurance
Engaged in insurance and risk management analysis with a focus on financial reporting, loss ratios, and reserve calculations. Experienced in preparing executive summaries of insurance business performance, analyzing premiums and claims by industry, and supporting actuarial reporting. Skilled in using Excel, Python, and Power BI to develop analytical models and dashboards that improve decision-making. Knowledgeable in regulatory frameworks, including IFRS 17 and IAS 19, with practical exposure to CAT modeling and reinsurance (conventional and takaful).
Analyze premiums, claims, and loss ratios across different insurance categories to identify business trends and performance drivers. Prepare executive summaries and financial reports for management, covering both conventional and takaful lines of business. Perform reserve calculations and support actuarial reporting in line with industry practices. Use Excel, Python, and Power BI to build models, automate calculations, and design dashboards for insurance and risk analysis. Contribute to compliance with IFRS 17 and IAS 19 standards by supporting financial and actuarial processes. Assist in CAT (catastrophe) modeling and evaluate reinsurance structures, including facultative arrangements. Collaborate with teams to improve data quality, reporting efficiency, and decision-making tools.--

University of Karachi 01/2020 - 12/2023
Karachi, Sindh, Pakistan
Degree: Bachelor's Degree
Major:Actuarial Science and Risk Management
Minor:Statistics
Studied Actuarial Science and Risk Management, building a strong foundation in mathematics, statistics, finance, and insurance. Gained knowledge of IFRS 17 and IAS 19, linking actuarial work with financial reporting. Enhanced skills in Excel, Python, and Power BI to analyze premiums, claims, and reserves. Continued learning through self-study in catastrophe modeling, pricing, and reinsurance, combining theory with practical tools for insurance and risk management.

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