Economics · Gilgit, Pakistan

I study how shocks travel through economies and balance sheets.

Economics graduate from the University of Central Asia. My work sits between climate risk, bank credit and financial markets: how a bad season reaches a loan book, how a rumour moves a stock price, how leverage turns a dip into a cascade.

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one series takes a shock; the rest do notIllustration: 30 generated series, not data

At a glance

Degree
BA Global Economics, University of Central Asia (2026). CGPA 3.68 / 4.00. Best Diploma Thesis Award in Global Economics.
Focus
Climate shocks and bank credit risk, financial stability, event studies, market crashes.
Experience
Intern, Financial Stability Department, State Bank of Pakistan (2025). Climate resilience intern, Aga Khan Development Network (2024). Research assistant, University of Central Asia (2025).
Papers
Two working papers on SSRN: 440+ downloads, 13,000+ abstract views.
Tools
Python, R, Excel, Power BI, time-series and panel econometrics.
Looking for
Analyst, research and trainee roles in banking, economics and development finance. Based in Gilgit; open to Islamabad, Karachi and remote.

Selected work

Recent writing

  • How a flood becomes a loan default

    Four channels carry a climate shock from a field or a street to a bank's non-performing loans, and why measuring them takes more than a rainfall chart.

    2 min read · climate risk credit risk econometrics

  • Reading an event study without fooling yourself

    An event study measures how much a price moved because of news. Most of the care goes into what you compare the price with, and when you decide the news happened.

    2 min read · event studies markets econometrics

  • What a liquidation cascade is, in plain terms

    How borrowed money turns a price dip into forced selling, and why the same mechanism shows up in crypto exchanges and in older financial crises.

    2 min read · markets leverage financial stability

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