An accomplished banking and finance professional with over three decades of diverse experience in bank finance, product development, risk management, and academic teaching. Kamran has played key roles in institutions like the National Bank of Pakistan, National Commercial Bank (Saudi Arabia), SME Bank, and others—spearheading initiatives in product design, lending programs, credit risk frameworks, and deposit mobilization. He is a published researcher, trainer, and award recipient, recognized for excellence in performance and innovation in SME banking. Currently serving as a Senior Lecturer at IoBM, he continues to contribute to the field through teaching and research.