The Pakistan Credit Rating Agency Limited [PACRA]
Sajjad Sulman has a diverse range of work experience, starting from their time as an Article Trainee at KPMG from 1993 to 1998. Sajjad then worked at WorldCall Telecom Limited, where they held several roles including Internal Auditor, Operational Risk Manager, and Deputy General Manager of Operations between 1999 and 2012. Following this, they served as the Head of Treasury at Preston University Islamabad from 2013 to 2018. Currently, Sajjad is working as the Chief Financial Officer at The Pakistan Credit Rating Agency [PACRA], where they specialize in revenue calculation, ECL modeling, and sales tax matters.
Sajjad Sulman completed their Master of Business Administration (MBA) from the University of the Punjab between 2005 and 2007. No specific field of study was 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).