Muhammad Mushaf Khan

Muhammad Mushaf Khan is a seasoned development consultant in the domain of finance, financial services and digital financial inclusion, asset management, investment strategy, product development and corporate finance. with over 16 years of experience. He was the financial advisor at the Agriculture Delivery Unit of the Government of Punjab facilitating policy formulation. His portfolio includes strategizing for improvement in financial management and planning of various programs and schemes in close collaboration with political leadership, head of states, bureaucracy and international donor agencies to ensure smooth and timely implementation of various projects. These projects held national strategic importance and were focused on building conducive business environments, developing a skilled workforce, and adopting technology use for the government. Mr. Mushaf Designed and supported business process transformation programs, ensuring that processes adhered to industry standards and market needs, and galvanizing teams to deliver results within tight time frames and budgets. He has Track record of success in devising and implementing sector and organization level development strategies, policies and programs to improve performance of public and private sector institutions, including start-ups and SMEs. He prepared and implemented result-based investment programs and other development initiatives with international organizations including the World Bank, Asian Development Bank, and USAID, Bill & Melinda Gates Foundation, Oxford Policy Management. Finally, he developed financial models and budgets for development programs. Managed budgets by monitoring variances, revising budgets, communicated revisions to stakeholders for follow up planning and implementation.

Expert Digital Financial Services
Candidate for Doctor of Philosophy (PhD), University of Salford, UK
Financial Inclusion Leadership Fellow, The Fletcher School of Law & Diplomacy, TUFTS University, USA
MSc Financial Service s Management, University of Salford, UK
BA (Hons) Financial Services, Manchester Metropolitan University, UK
Diploma in Information Technology, London College of Computing & Management Sciences, UK
Diploma in Accounting & Finance, Abbey College London, UK

Notable Engagements:
• Financial Advisor, Agricultural Department, Government of Punjab, Pakistan
• Public Financial Management Consultant, Finance Department, Government of Punjab, Pakistan
• Visiting Faculty Member, The Punjab University, Pakistan
• Visiting Faculty Member, University of Education, Pakistan
• Senior Consultant, Oxford Policy Management, Pakistan
• Climate Finance Consultant, World Bank, Pakistan
• Relationship Manager (Assets), JS Bank Ltd, Pakistan
• Manager Credit Operations, Lloyds Banking Group, United Kingdom
• Settlement Specialist, Bank of Scotland, United Kingdom
• ISA Manager, Halifax, United Kingdom
• Assistant Debt Manager, Barclays Bank Plc, United Kingdom
• Assistant Debt Manager, Harrington Brooks, United Kingdom
• Customer Services Representative, Barclaycards, United Kingdom