Gohar Jamal
@goharjamal
Applied mathematics professional specializing in risk analytics and quantitative modeling.
PakistanWhat I'm looking for
I am an applied mathematics professional with strong expertise in risk analytics, quantitative modeling, and IFRS 9 implementation. I have led risk reporting, stress testing, and model development across banking and insurance, consistently optimizing risk processes and mentoring junior staff.
My background includes roles as Assistant Manager — Assurance & Risk Analytics, Modeler, and Risk Analyst where I delivered VAR analysis, credit and liquidity reporting, ICAAP inputs, and IT risk project management. I also have teaching experience delivering courses in statistics, actuarial science, and finance at the university level.
I combine advanced technical skills in Excel, MATLAB, R, Python and econometric techniques with practical experience in regulatory compliance, credit risk management, and academic writing. I seek opportunities to apply quantitative methods to strengthen risk frameworks and support data-driven decision making.
Experience
Work history, roles, and key accomplishments
Assistant Manager – Assurance
EFU Life
Aug 2024 - Feb 2025 (6 months)
Developed risk reports, led impact analysis, optimized expense management, and mentored junior staff as team lead for risk analytics functions.
Manager – Credit Risk
HBFC
Aug 2023 - Jul 2024 (11 months)
Managed IFRS 9 models, stress testing, ICAAP, BCP, credit risk reporting and led IT risk project management to strengthen credit risk controls.
Risk Analyst
Sindh Bank Limited
Mar 2021 - Aug 2023 (2 years 5 months)
Conducted VAR analysis, credit and liquidity risk reporting, coordinated with SBP, and evaluated SME loan portfolios to inform risk decisions.
NTVisiting Lecturer
NED University of Engineering & Technology
May 2017 - Dec 2018 (1 year 7 months)
Delivered lectures, designed curriculum and exam preparation materials, and taught undergraduate courses in statistics and mathematics.
Chief External Examiner
Aga Khan Examination Board
Jan 2017 - Jun 2017 (5 months)
Reviewed and edited examination papers to ensure academic consistency and quality control across assessments.
Programme Manager
The American Foundation
May 2011 - Apr 2014 (2 years 11 months)
Managed administrative and IT records, maintained website updates, developed job descriptions and conducted staff evaluations to support operations.
Education
Degrees, certifications, and relevant coursework
NTNED University of Engineering and Technology
Master of Science, Applied Mathematics
2016 - 2018
Grade: 3.96/4.00
Completed M.S. in Applied Mathematics with a 3.96/4.00 GPA; thesis on application of fuzzy logics on financial models.
UKUniversity of Karachi
Bachelor of Science, Actuarial Sciences & Risk Management
2007 - 2010
Grade: 3.00/4.00
Completed B.S. in Actuarial Sciences & Risk Management with a 3.00/4.00 GPA.
Federal Govt Girls College Karachi Cantt
HSSC, General Science
2005 - 2006
Grade: A
Completed Higher Secondary School Certificate (General Science) with focus on Computer Science, Math, and Statistics; Grade A.
Pakistan International School, Jeddah
SSC, Computer Science
2003 - 2004
Grade: A
Completed Secondary School Certificate with Computer Science; Grade A.
Tech stack
Software and tools used professionally
Availability
Location
PakistanAuthorized to work in
Job categories
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