Open to opportunities

Hawa Arif

@hawaarif

Message

I analyze credit risk, portfolio performance, and business quality for financing and acquisition decisions.

Pakistan

Message

What I'm looking for

I'm looking for a remote or flexible role where I can apply credit, portfolio, and financial analysis while growing my SQL and Power BI skills to support more data-driven decision-making.

I've underwritten SME and corporate financing requests up to PKR 25–30 million at OLP Financial Services Pakistan, assessing repayment capacity, financial statements, and non-standard documentation across conventional, Shariah-compliant, and Modaraba-structured files. I also improved portfolio progression tracking and built Excel dashboards that gave management earlier visibility into accounts trending toward higher risk.

For a US-based buy-side acquisition advisory firm, I evaluate acquisition targets through SDE multiples, DSCR assumptions, addback schedules, and earnings-quality reviews. I'm building SQL and Power BI capability to bring more quantitative, data-driven analysis to credit decisioning.

Experience

Work history, roles, and key accomplishments

Branch Coordination & Credit Analysis

OLP Financial Services Pakistan Ltd

Aug 2023 - May 2026 (2 years 9 months)

Conducted end-to-end credit risk analysis on SME and corporate financing requests up to PKR 25-30 million, including Shariah-compliant and Modaraba-structured files. Monitored portfolio and overdue-account performance, built Excel dashboards, and coordinated with external stakeholders.

Credit Risk Analysis Underwriting Financial Statement Analysis Portfolio Monitoring Excel Pivot Tables Conditional Formatting Stakeholder Management