The Pakistan Credit Rating Agency Limited [PACRA]
Muhammad Rafique Janjua has an extensive work experience in the field of technology and software development. Muhammad started their career in 2001 as an Assistant Manager (Tech) at Pakistan Ordnance Factories, where they worked until 2003. Muhammad then joined National Engineering and Scientific Commission (NESCOM) as an Assistant Manager (Tech) from 2004 to 2009.
In 2009, Janjua joined Pakistan Credit Rating Agency (PACRA). Muhammad initially worked as a Software Engineer, where they developed web-based applications and supported the network administrator in server deployment. Muhammad then advanced to the role of Senior Software Engineer, where they developed new web-based applications for rating activities and implemented a dynamic website integrating with the Rating Module. Later, they became the Head of the Management Information Technology Section, responsible for leading software development, mentoring the team, and managing web-based portals and the organization's website.
Throughout their career, Janjua has demonstrated expertise in software development, web-based applications, project management, and server deployment.
Muhammad Rafique Janjua has a strong educational background in the field of science and engineering. From 1995 to 2000, they attended the University of Engineering and Technology, Lahore, where they earned a Bachelor of Engineering (BE) degree in Metallurgy and Materials Science.
After completing their undergraduate degree, Janjua went on to pursue further education at the University of the Punjab. From 2001 to 2003, they enrolled in the university's M.Sc program, specializing in Computer Science (CS).
In addition to their academic achievements, Janjua has also obtained a certification in Welding Technology for Engineers. This certification was obtained from the Pakistan Atomic Energy Commission, although the specific details regarding the month and year of its acquisition are not provided.
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The Pakistan Credit Rating Agency Limited [PACRA]
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PACRA - The first and leading credit rating agency of Pakistan was established in 1994 as a joint venture among Fitch Ratings (the world's leading international rating agency, at that time IBCA Ratings), IFC (International Finance Corporation), and LSE Financial Services Limited ( at the time Lahore Stock Exchange). Since its inception PACRA have over 8500 opinions spread across more than 10 distinct financial sectors and more than 45 distinct corporate sectors; all these are a testament to its expertise, exceptional command, market leadership, and the confidence reposed in its opinions. The current outstanding rating opinions stand at over 500. More than 40% of the KSE-100 index companies are rated and have a rating opinion on every third rupee of corporate debt raised in Pakistan through the banking sector. PACRA along with its strong national position has also enhanced its international presence over the years. This includes successful completion of international rating assignments in collaboration with Fitch and providing technical assistance to NCR Bangladesh and Lanka Rating Agency. The ownership and management structure of PACRA ensures complete independence from any direct or indirect control of the government, political influence, private sector business group, or financial institution. Hence, the rating assigned by the rating committee of PACRA reflects a true and objectively formed opinion of the credit risk. PACRA's "over-quarter of a century" experience is equipped with a full range of credit rating and specialized rating services. Our Credit rating includes corporate entities and fixed income instruments. In contrast, the Specialized Ratings help gauge the risks across factors other than the probability of default. Specialized ratings include Financial Strength ratings of modarabas, Mutual Fund ratings, Insurer Financial Strength (IFS) ratings for insurance companies, Broker Fiduciary Ratings (BFR), and, Social Impact & Performance ratings (SIP).