Muhammad Ahmad

Experience

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  The Russian Presidential Academy of National Economy and Public Administration (RANEPA)

  Mar 2020 - Oct 2021

  Research Associate
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  Information Technology University

  Dec 2021 - Oct 2022

  Visiting Lecturer

  Designed and Delivered Courses: Developed and taught courses in corporate finance, emphasizing investment decision-making, financial management, and funding strategies for startups and small businesses.Curriculum Development: Collaborated with faculty to enhance entrepreneurship education by integrating case studies, hybrid entrepreneurship, and environmental innovation topics into course materials.Research Integration: Incorporated empirical research findings into course content, focusing on trends in entrepreneurship and well-being, strategic alliances, and international business development.Interactive Learning: Engaged students through seminars, workshops, and interactive discussions to enhance their understanding of quantitative methods and data analysis tools such as SPSS and Stata. Show less

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  SECP

  Oct 2022 - Jul 2025

  Management Associate

  ▪ SECP has established a centralized Licensing Department where I am working as an associate of facilitation for processing cases relating to 1) granting incorporation, 2) Approval of trust deeds, and offering documents. 3) licensing 4) Approval of Board of Directors 5) Transfer of shares and 6) scrutiny of sponsors of Non-Banking Finance Companies (NBFCs), including “Investment Finance Services, Asset Management companies, Private Equity & Venture Capital, Corporate Restructuring Companies, Real Estate Investment Trusts, Leasing, and Microfinance companies,” with a special focus on Fintech-based entities/startups. My role, among others, is to ensure compliance with procedures and systems requirements to streamline licensing functions to make it a success story.▪ Through proper handholding and guidance, we are proud to issue licenses/permissions to form NBFCs to Fintech/Startup NBFCs after analysis of business models. A few facilitated entities are, i.e.,  Agriculture inputs financing (Neem Exponential Financial Services (Pvt.) Ltd.) Logistics and financing for truck drivers/owners (Trukkr Financial Services Limited) has raised $6.4M in capital in seed funding. Exclusive Discounting NBFC (Smart Finance Ltd.) Real Estate Investment Trust (IMARAT REIT Management Company) Corporate Restructuring Company (Awwal Corporate Restructuring Company Ltd.) Earned Wage Access, where every day is payday (Abhi (Private) Ltd.) for employees. It has recently raised the first-ever Sukuk bond worth Rs. 2 billion ($7.1 million) for the fintech in the Middle East, Africa, and Pakistan (MENAP) region. Show less

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  Easy Finance (Private) Limited

  Oct 2023 - now

  Compliance Officer

  Regulatory Compliance & Governance: Ensured full adherence to SECP, PSX, SBP, and NBFC regulations, including Companies Act 2017, NBFC Rules 2003, NBFC Regulations 2008, AML/CFT laws, and Fair Lending Practices.Policy Development & Implementation: Designed and enforced compliance frameworks, policies, and SOPs for digital lending operations, ensuring alignment with SECP’s Digital Lending Guidelines.Risk Management & Internal Controls: Established risk assessment mechanisms, conducted compliance audits, and mitigated regulatory risks to safeguard business operations.Regulatory Liaison & Reporting: Acted as the primary contact for SECP, SBP, and external auditors, ensuring timely submissions of regulatory reports (e.g., AML/CFT, financial statements, and operational disclosures).FinTech & Digital Compliance: Oversaw compliance for digital lending platforms, ensuring data privacy, preparing self-declaration reports, transparent pricing, and ethical debt collection practices.Training & Awareness: Conducted compliance training programs for staff on AML, KYC, consumer protection, and regulatory updates to foster a culture of compliance.Licensing & Approvals: Managed regulatory approvals, e.g., BOD, transfer of shares, new product approval, licensing renewals, and PTA audit for digital product, ensuring uninterrupted business operations.Fraud Prevention & Due Diligence: Implemented KYC/CDD processes, monitored suspicious transactions, and reported to FMU (Financial Monitoring Unit) as per AML regulations.Ensure compliance with security, privacy, and regulatory standards while fostering innovation in product development. Show less