Zulfiqar A.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

I help founders, CFOs and boards make the big financial calls: what the business is worth, where growth comes from, and which risks to price in. CFA charterholder, FRM, FCCA. Ex-EY Risk Advisory. 15+ years across strategy, risk and asset management. ADVISORY ▸ Financial modeling & valuation: 3-statement models, DCF and business valuation, feasibility studies, budgets and scenarios for investors, lenders and boards. ▸ Corporate & financial strategy: business planning, growth strategy, pricing and incentive design. ▸ Internal controls & process: control reviews, financial and procurement reviews, process re-engineering. ▸ Digital transformation strategy: deciding what to digitise first, and making sure it gets used. RISK CONSULTING ▸ Risk-rating models, risk registers and risk & control self-assessments. ▸ Market, credit and operational risk reviews for banks, funds and growing businesses. ADD-ON: ANALYTICS & REPORTING Want the numbers to keep working after the engagement? My iGuardian analytics team can add: ▸ Interactive Power BI or Tableau dashboards built on your model or review outputs ▸ KPI scorecards and monthly management reporting ▸ Data clean-up and validation before modeling starts ALSO: CLIMATE & SUSTAINABLE FINANCE CFA Certificate in ESG Investing. Climate-risk assessment, climate scenarios in valuation, TCFD / IFRS S2 disclosure readiness, and ESG due diligence for investors and lenders. TRACK RECORD • SVP, Head of Business Planning & Strategy at a leading Pakistani asset manager; member of the Strategy Committee. • Led a digital transformation that lifted digital utilisation by 50%, including the first WhatsApp-based transactions offered by a financial institution in Pakistan. • Grew a regional institutional portfolio from PKR 2 bn to PKR 14 bn as portfolio manager. • Built country and financial-institution risk-rating models and ran market-risk (VaR) and RCSA work at a commercial bank. • At EY Risk Advisory: process re-engineering, internal control and financial reviews for banks, telecom, government and donor-funded programmes. HOW I WORK • I start from the decision you're facing, then build the model or review around it. • Fixed-scope milestones, each with a clear "done" definition. • Clean, documented models you own. No black boxes. Tell me the decision you're facing and what numbers you have today. I'll reply with an approach and a fixed quote.