Muhammad.

Muhammad Qamar

6x Gold Medalist | CFA Research Challenge Top 10 | Finance & Data Analyst

Overview

High-performing Finance graduate and 6x Rector's List Gold Medalist with a track record of precision and analytical depth. Ranked in the National Top 10 for the CFA Research Challenge, I specialize in complex financial modeling, equity research, and data-driven insights using Python and Power BI. From reconciling 5,000+ transactions at Service Industries Limited to conducting 20-year cross-country panel studies, I bring a blend of traditional finance expertise and modern technical automation to every project.

Lahore, Pakistan

Experience

2026 – Present

PART_TIME

Teaching Assistant — Business Finance

FAST-NU

Lahore

Evaluate student projects, quizzes, and assignments under faculty supervision, ensuring academic integrity. Conduct invigilation duties during quizzes and assist students with financial concepts and numerical problem-solving

•Evaluate student projects, quizzes, and assignments under faculty supervision, ensuring academic integrity

•Conduct invigilation duties during quizzes and assist students with financial concepts and numerical problem-solving

Financial ConceptsNumerical Problem-solving

Jun 2025 – Aug 2025

WORK

Internal Audit Intern

Service Industries Limited (SIL)

Lahore

Performed bank reconciliations by cross-verifying bank statements against cash books for accuracy and compliance. Maintained and updated corporate tax files, ensuring timely and accurate record-keeping across departments. Gained hands-on exposure to ERP systems including Oracle and Microsoft Dynamics 365 in a live audit environment

•Performed bank reconciliations for a 2-3 month period by cross-verifying bank statements against cash books for accuracy and compliance

•Maintained and updated corporate tax files, ensuring timely and accurate record-keeping across departments

•Gained hands-on exposure to ERP systems including Oracle and Microsoft Dynamics 365 in a live audit environment

Key Achievements

→Verified almost 5,000 transactions during a 2-3 month bank reconciliation process, ensuring 100% accuracy between bank statements and cash books.

OracleMicrosoft Dynamics 365ERP Systems

Jun 2024 – Aug 2024

INTERNSHIP

Accounts & Finance Intern

Global Reach Consultants

Lahore

Maintained accounts payable and receivable records; recorded financial transactions and supported bookkeeping operations. Assisted in preparation, organization, and filing of financial records to support management reporting

•Maintained accounts payable and receivable records; recorded financial transactions and supported bookkeeping operations

•Assisted in preparation, organization, and filing of financial records to support management reporting

Bookkeeping

Project Portfolio

ACADEMIC

Present

Portfolio Risk Analysis and Derivatives Strategies

Financial Analyst

Evaluated market risk for a five-stock U.S. portfolio using Value at Risk (VaR) models and implemented strategic derivative hedges to mitigate downside exposure and support investment decisions.

Value at Risk (VaR)Derivative HedgesPortfolio Management

ACADEMIC

Present

CFA Research Challenge Pakistan

Equity Research Analyst

Performed detailed financial analysis and peer ratio comparison of UBL; built valuation models and authored a comprehensive equity research report with buy/sell/hold investment recommendations

Financial AnalysisValuation ModelsEquity Research

ACADEMIC

Present

Investment Analysis — PSX Listed Companies

Portfolio Manager

Simulated PKR 10M investment portfolio across 5 sectors; monitored stock fluctuations over 3 months and recommended future strategies based on market trend analysis

Market Trend AnalysisPortfolio Simulation

PERSONAL

Present

FYP: The impact of Financial Inclusion on Entrepreneurial Activities with the Moderating role of Governance

Lead Researcher

Conducted a cross-country panel study on 60+ countries (2005-2024), utilizing Python for automated data extraction and Excel for complex panel data analysis.

ExcelPythonPanel Data AnalysisAutomated Data Extraction

PERSONAL

Present

Financial Statement Analysis — Nishat Mills & Gul Ahmed Textile

Financial Analyst

Conducted ratio analysis, PACRA rating reviews, and financial forecasting; identified Nishat Mills as the more financially stable entity compared to Gul Ahmed Textile through the application of bankruptcy prediction models.

Ratio AnalysisFinancial ForecastingBankruptcy Prediction ModelsPACRA Rating Reviews

PERSONAL

Present

Ratio Analysis of Banks — Bank of Punjab vs. Meezan Bank

Financial Analyst

Benchmarked profitability, liquidity, solvency, and efficiency ratios; performed comparative trend analysis

BenchmarkingTrend AnalysisRatio AnalysisLiquidity Analysis

ACADEMIC

Present

Management Information Systems (MIS) Lab Project

Developed a project in the MIS Lab utilizing Power BI for data visualization and management reporting.

Power BIData VisualizationManagement Information Systems

Education

2022 – Jun 2026

Bachelor of Science

FAST-NU (National University of Computer & Emerging Sciences)Specialization in Accounting & Finance

GPA: 3.92

Thesis: The impact of Financial Inclusion on Entrepreneurial Activities with the Moderating role of Governance

Societies & Activities

Rector's ListDean's List

Sep 2021

FSC

Government College UniversitySpecialization in Pre-Engineering

Jul 2019

Matriculation

District Public School

Impact & Recognition

Awards

CFA Society Pakistan · 2025

Top 10 National Ranking — CFA Research Challenge Pakistan

Ranked among top 10 teams nationally out of dozens of university teams competing in equity research

District Public School, Kasur · 2019

2nd Position in School

Achieved 2nd position in Matriculation exams

FAST-NU, Lahore

Gold Medal — Rector’s List (6×)

Awarded 6 Gold Medals for maintaining a top-tier SGPA (4.0/4.0) across 6 consecutive semesters — one of the highest distinctions conferred by FAST-NU to its students

Social Impact & Activities

Kaar-e-Kamal Foundation

Volunteer — Fundraising

Contributed to fundraising drives for an education-focused NGO, supporting underprivileged communities through donor outreach and campaign participation

EngagementVOLUNTEER

Times ConsultantOTHER

Brand Ambassador

Promoted consultancy services to prospective clients through targeted outreach, networking events, and campus-level engagement drives

Vision & Goals

Core Drivers

What are my motivations

Startup Ecosystem

Financial Innovation

Data Automation

Skills & Interests

MS Excel

TOOL

Pivot Tables

TOOL

VLOOKUP/XLOOKUP

TOOL

Financial Modeling

TECHNICAL

Power BI

TOOL

Dashboards & Visualization

TECHNICAL

SmartPLS

TOOL

SPSS

TOOL

QuickBooks

TOOL

MS Dynamics 365

TOOL

Python

TECHNICAL

HubSpot CRM

TOOL

Oracle

TOOL

Google Colab

TOOL

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