Dr. Muhammad Saeed Iqbal | Finance | Best Researcher Award

Accounts Manager at Meezan Bank Limited | Pakistan

Dr. Muhammad Saeed Iqbal is a research-oriented scholar with a strong academic and professional background in Islamic banking and finance. His work demonstrates a commitment to advancing knowledge in administration, compliance, quality management, and financial risk management. Known for his punctuality, responsibility, and professional attitude, he has consistently combined research expertise with practical banking experience, making significant contributions to the field through publications, workshops, and professional practice.

Publication Profile 

Google Scholar

Educational Background 

He holds a Ph.D. in Islamic Banking and Finance from Universiti Utara Malaysia, where he focused on advanced research in financial systems and Shariah-compliant banking. He completed his M.Phil. in Finance at NCBA & E, Lahore, building a strong foundation in financial theory and practice. Earlier, he pursued a Bachelor of Commerce (Honors) degree with specialization in Finance and Accounting at Islamia University. His academic journey began with a diploma in commerce and computer skills, alongside secondary studies in science.

Professional Experience 

Dr. Iqbal has built a diverse career across multiple roles in the banking and finance sector. He has served as a Credit Analyst, CAD Officer, and CIU Officer at Meezan Bank, specializing in Islamic banking products such as Car Ijarah and housing finance. He also worked as a Credit Risk Officer at NRSP Bank, contributing to risk assessment and management strategies. Earlier roles include Branch Accountant and Loan Officer at ASA Pakistan, as well as Accounts Officer at an educational institution. His career began with an internship in the National Bank of Pakistan, laying the foundation for his professional journey.

Research Interests 

His primary research interests lie in Islamic banking and finance, particularly credit risk management, mortgage performance, Shariah compliance, and innovative Islamic financing models such as Car Ijarah and house financing. He has published extensively on customer behavior, governance in Islamic banks, zakat reserves, and the performance implications of Islamic financial products in Pakistan.

Awards and Honors 

He has earned recognition for his academic achievements, including distinctions in his undergraduate and postgraduate studies. His expertise has also been acknowledged through invitations to conduct workshops for faculty members and research students on advanced data analysis and financial modeling tools.

Research Skills 

Dr. Iqbal is highly skilled in quantitative research methods and data analysis, with expertise in software such as SPSS, STATA, EViews, and SMART PLS. He has advanced programming capabilities in these tools and has trained academic peers and students in handling complex analytical procedures. His technical proficiency complements his research in finance, allowing him to produce high-quality, data-driven studies.

Publications 

• Comparison of credit risk management practices among Islamic and public commercial bank’s in Pakistan.

• Cited by: 28

• Year: 2023

• Relationship Between Musharakah, Credit Risk, and Profitability in Pakistan’s Islamic Banks.

• Cited by: 18

• Year: 2023

• Examining the influence of organizational inequity and counterproductive work behavior on workplace misconduct within Pakistan’s power industry.

• Cited by: 18

• Year: 2023

• Impact of house financing accessibility on the productivity of private-public relationships in mortgage financing conditions.

• Cited by: 17

• Year: 2023

• Analyzing the impact of oil prices on commodity future listed on Pakistan mercantile exchange (PMEX) in the era of Covid-19.

• Cited by: 17

• Year: 2022

Conclusion 

Dr. Muhammad Saeed Iqbal combines academic excellence with practical experience in the banking sector, establishing himself as both a practitioner and a scholar in Islamic finance. His ability to bridge theory with practice, supported by strong analytical skills and a proven research record, positions him as a valuable contributor to the fields of finance, risk management, and Islamic banking. His scholarly publications and professional achievements reflect his dedication to advancing knowledge, shaping industry practices, and mentoring future researchers.