Afnan Iqbal is a graduate in Applied Accounting from Oxford Brookes University, an ACCA Member, and has passed CFA Level II, with over 12 years of experience in credit risk evaluation, financial analysis, and risk assessment. He developed strong expertise at The Pakistan Credit Rating Agency Limited, leading credit rating assignments involving financial analysis, liquidity and market risk assessment, and evaluation of corporate and financial sector entities. His experience at Easypaisa Digital Bank and U Microfinance Bank Limited provided exposure to microfinance and digital lending, including credit underwriting, portfolio quality assessment, and risk management. He currently serves at Pakistan Microfinance Investment Company, focusing on credit risk, portfolio monitoring, and financial analysis. He also holds certifications from IFMP.