Muhammad Shiraz Siddiqui

Muhammad Shiraz Siddiqui is an experienced credit risk management professional with a strong background in banking. Currently serving as VP/Area Credit Risk Manager at Bank Alfalah Limited since April 2019, Muhammad has progressed through various roles, including AVP-II/Manager Credit Risk and AVP-I/Credit Risk Analyst. Prior experience includes positions at HBL - Habib Bank Limited as a Credit Risk Analyst, where Muhammad reviewed credit proposals across multiple industries, and at United Bank Limited as Assistant Manager - Credit Policy, contributing to SME credit policy development and conducting annual reviews. An MBA graduate from the Institute of Business Administration, Muhammad also holds a BBA Honours degree and possesses a solid educational foundation in sciences.