Usman Mahmood, CFA, FRM Investment and Risk Management Professional
1 Review

I am an Investment Management and Risk Management professional with over 20 years of diversified work and teaching experience in the field of Finance, Investment Management & Risk Management.

Teaching Experience:

Leveraging a robust set of professional qualifications, including my CFA and FRM certifications, coupled with extensive teaching experience, I am enthusiastically dedicated to empowering students pursuing their majors in Finance & Investment Management. My primary objective is to guide them towards excellence by establishing a firm conceptual groundwork, enabling them to navigate the intricacies of subjects ranging from Business Finance to Portfolio Management and Financial Risk Management with confidence and ease. Through engaging and dynamic instruction, I aim to instill in students a deep understanding of complex financial topics, equipping them with the knowledge and skills essential for their future success in the field of finance.

Professional Experience

As an Investment Manager, my experience envisages managing global listed equity portfolio in various important markets of the world like US, UK, Canada, Australia and Saudi Arabia. With a focus of enhanced passive investment style, my endeavour is to generate a positive alpha of 2 to 3% over the benchmark on medium to long-term basis.

I also possess a handsome experience in financial and investment risk management area with a core focus on implementing Enterprise Risk Management (ERM) framework in an organization with a dedicated focus on developing and implementing Risk Management Framework for the entity along with reviewing various investment related risks in the company’s investment portfolio.

With a unique mix of my knowledge & experience supported by sound professional qualification, it is my endeavour to:

1) Enhance an organization's value through strong leadership skills, helping to design effective financial and strategic planning and investing the in various global markets in a risk guided manner for optimum return for the investors.

2) Maximize client's wealth in an ethical manner suitable to client's specific risk appetite.

3) Optimize risk/reward ratio for an organization through implementing and enhancing sound Enterprise Risk Management (ERM) framework.

Subjects

  • Corporate Finance Beginner-Expert

  • Financial Management Beginner-Expert

  • FRM

  • Portfolio Management Beginner-Expert

  • Financial Risk management Beginner-Expert

  • Business Finance Beginner-Expert

  • CFA Exam

Experience

  • Senior Director - Financial Risk (Feb, 2019–Present) at Tawuniya Insurance
    • Establishing and implementing entity’s Risk Appetite Framework as per of Enterprise Risk Management.

    • To look after company’s Investment Portfolio from risk and monitoring prospective.

    • Ensuring that the risks taken in the investments are as per the portfolio management guidelines and the risk adjusted performance measures are within the minimum acceptable investment return objectives.

    • To ensure that downside risk of the portfolio in terms of VaR is within the acceptable range.

    • Establishing departmental KRIs and Risk Registers to ensure that department specific risks both in terms of quantitative measures as well as department’s robustness are well within the acceptable range.
  • Vice President - Risk Management (Feb, 2016–Jan, 2019) at Al Rajhi Capital
    • Establishing appropriate risk assessment tools and methodologies while ensuring that all company’s risk parameters are within the approved risk appetite framework.

    • To manage Market Risk area of the business, Margin Lending and Share Classification Process from Risk Management prospective within the Enterprise Risk Management framework and risk management policies and procedures.

    • To lead targeted initiatives to help business and support units manage their Market risk.

    • To ensure that mechanism are in place for early identification of emerging Credit, Market and Liquidity risks/issues.

    • Risk review of counter parties from time to time in fixed income portfolio.

    • Annual review of Counter-parties limits.

    • Risk Assessment of Custodians.

    • Annual Preparation of ICAAP and Pillar 3 Report for submission to Regulator.

    • Monthly preparation of CAM Sheet for submission to the regulator

    • Management and oversight of key risks across the Asset Management unit including Fiduciary, Liquidity, Credit and Investment risks and the ensuring they are within approved Limit and control parameters.

    • Assessing performance of company's listed equity portfolios and funds on risk adjusted basis and through portfolio performance attribution analysis.

    • Giving risk recommendations on company's various new initiatives and while offering new products to the prospective clients.

    • Reviewing and giving risk recommendations on various Investment Banking proposals for the role of Financial Advisory and Underwriting commitments.

    • Handling Operation Risk (OpR) incidents for their completion with corrective action plans and tracking the implementation of agreed actions.
  • Portfolio Manager (Sep, 2009–Nov, 2015) at Hayat Invest
    • Managing Client and Prop book portfolios of GCC Markets (primarily Saudi Arabia) and Developed Markets (Europe, UK, Australia & Canada) through enhanced passive and semi active portfolio management techniques with the aim to outperform the benchmark over medium to long term basis with low tracking error.

    • Critical analysis of third party research reports to develop portfolio sector and stock level over/under weighting allocation strategy.

    • Assessing and evaluating global markets and economic environment to foresee its possible impact on portfolio and making adjustments accordingly.

    • Periodic portfolio performance review and rebalancing to reflect updated view on previous allocations and to bring exposure under predefined discipline and guidelines.

    • Portfolio reports and presentation to clients and Investment Committee.

Education

  • Financial Risk Management (Sep, 2011–Sep, 2012) from GARP
  • Chartered Financial Analyst (Sep, 2004–Oct, 2006) from CFA institute, US
  • MBA - Finance (Sep, 1998–Sep, 2001) from Hamdard University, Karachi

Fee details

    ﷼50–200/hour (US$13.30–53.19/hour)

    Depending on the level e.g. Beginner, Intermediary or expert

1 Review
5 out of 5

User Photo February 17, 2024
Payment verified US$ 1.98 (100 Coins)

A Grateful Acknowledgment for Mr. Usman's Exceptional Financial Management Instruction

I am delighted to express my gratitude and appreciation for the outstanding teaching provided by Mr. Usman during my Financial Management course. His approach to teaching was not only highly effective but also remarkably friendly, creating an environment that greatly contributed to my understanding of the subject.

Mr. Usman's teaching style stands out for its clarity and practicality. He possesses a unique ability to break down complex financial concepts, making them accessible and comprehensible. This proficiency proved invaluable as I navigated through the course material, enhancing my learning experience significantly.

One of Mr. Usman's greatest strengths lies in his dedication to ensuring his students grasp essential concepts. His teaching has undoubtedly played a pivotal role in my professional growth, providing me with a solid foundation in financial principles.

I am genuinely thankful to Mr. Usman for his commitment to delivering high-quality education. The valuable addition he made to my understanding of financial concepts has had a lasting impact on my academic and professional journey.

In closing, I wholeheartedly endorse Mr. Usman as an exceptional educator in Financial Management. His friendly and effective teaching approach sets a standard for excellence, and I am confident that many others will benefit from his expertise as much as I have.