Financial Consultant (SME) | Faysal Bank Ltd. | Islamabad, Pakistan | 10/2011-03/2013 | Assessed SME loan applications, prepared credit proposals, managed client relationships, and monitored credit risk.

Designation	Department/Organization	City/Country	From-To (month/year)	Brief responsibilities
Lecturer	Department of Accounting & Finance, NUML	Islamabad, Pakistan	September 2026 to Date	Teaching & Research
Financial Consultant (SME)	Faysal Bank Ltd.	Islamabad, Pakistan	2011 to 2013	Credit Analysis

1. Ahmed, N., Rehman, A., & Fazil, S. (2025). The impact of total quality management practices on project contract with the mediating role of transformational leadership and the moderating role of job satisfaction. Journal of Management & Social Science, 2(2), 50-85. https://doi.org/10.63075/xv274025
2. Fazil, S., Iqbal, N., & Wahab, F. U. (2025). Theoretical aspects of internal and external determinants of firm performance: Insights from developing economies. International Journal of Social Sciences Bulletin, 3(2), 546-557. https://doi.org/10.5281/zenodo.14942851
3. Fazil, S., Mubarik, F., & Gul, F. (2024a). Intellectual capital efficiency and firm performance in Pakistan and Turkey: A moderating role of industry concentration. Journal of Business and Management Research, 3(2), 422-452. https://www.jbmrresearch.com/index.php/Journal/article/view/246
4. Fazil, S., Mubarik, F., & Gul, F. (2024b). Intellectual capital, climate risk and financial performance: Firm level analysis. International Journal of Social Science Archives, 7(1), 382-394. https://www.ijssa.com/index.php/ijssa/article/view/245
5. Fazil, S., Wahab, F. U., & Iqbal, N. (2026). Artificial intelligence and financial decision-making: A conceptual framework for organisational financial governance. Bulletin of Management Review, 3(1), 898-929. https://bmrjournal.com/index.php/Journal/article/download/277/268/497
6. Iqbal, N., Akhtar, Z. M., Fazil, S., & Wahab, F. U. (2026). What is abnormal in abnormal returns? Regional Lens, 5(1), 253-264. https://doi.org/10.55737/rl.2025.41191
7. Iqbal, N., & Fazil, S. (2025). Theoretical foundation of investor sentiments and stock returns in the Pakistan Stock Exchange. Qualitative Research Review Letter, 3(3), 51-74. https://qrrljournal.com/index.php/Journal/article/download/81/86
8. Iqbal, N., Fazil, S., & Wahab, F. U. (2025). Dividends and investment decisions: A case of Pakistan. UW Journal of Management Sciences, 9(2), 84-106. https://doi.org/10.56220/uwjms.v9i2.277
9. Kumari, A., Fazil, S., & Iqbal, N. (2025). Determinants shaping choices for robo and human advisors in the German financial market: A theoretical review. Journal of Finance and Accounting Research, 7(2), 93-115. https://doi.org/10.32350/jfar.72.04
10. Kumari, A., Iqbal, N., & Fazil, S. (2024). Determinants shaping choices for robo and human advisors in the German financial market: The analysis of retail consumers. International Journal of Management Research and Emerging Sciences, 14(4), 44-63. https://doi.org/10.56536/ijmres.v14i4.668
11. Wahab, F. U., Amin, M. S., & Fazil, S. (2025). Climate change damages to agricultural loan recoveries and financial stability: A fresh insight from a developing country. Pakistan Social Sciences Review, 9(1), 241-254. https://doi.org/10.35484/pssr.2025(9-I)19
12. Wahab, F. U., Fazil, S., & Iqbal, N. (2026). Shadow banking and financial stability: A theoretical comparison between developed and developing markets. Journal of Management Science Research Review, 5(1), 2118-2133. https://jmsrr.com/index.php/Journal/article/view/472
13. Wahab, F. U., Iqbal, N., & Fazil, S. (2026). Semi-strong market efficiency and post-COVID investor reactions to dividend announcements: Evidence from developed markets. Advance Journal of Econometrics and Finance, 4(1), 555-574. https://doi.org/10.63075/ws00zy48

• Intellectual Capital & Firm Performance
• Financial Decision-Making & AI
• Corporate Financial Governance
• Stock Returns & Investor Sentiment
• Market Efficiency & Abnormal Returns
• Dividend Policy & Investment Decisions
• Robo-Advisory & FinTech
• Climate Risk & Financial Performance
• Shadow Banking & Financial Stability
• Total Quality Management (TQM)
• Transformational Leadership
• Agricultural Finance & Loan Recovery
• Industry Concentration & Firm Performance

Education

Degree title	Specialization	University/Institution	Country	Completion year
PhD (MS)	Finance	NUML, Islamabad	Pakistan	2026
M.Phil.	Accounting & Finance	The University of Lahore	Pakistan	2016
MBA	Finance	NUML, Islamabad	Pakistan	2009
Bachelor’s Degree	Economics	University of the Punjab, Lahore	Pakistan	2005

Experience

Financial Consultant (SME) | Faysal Bank Ltd. | Islamabad, Pakistan | 10/2011-03/2013 | Assessed SME loan applications, prepared credit proposals, managed client relationships, and monitored credit risk.

Designation	Department/Organization	City/Country	From-To (month/year)	Brief responsibilities
Lecturer	Department of Accounting & Finance, NUML	Islamabad, Pakistan	September 2026 to Date	Teaching & Research
Financial Consultant (SME)	Faysal Bank Ltd.	Islamabad, Pakistan	2011 to 2013	Credit Analysis

Publications

1. Ahmed, N., Rehman, A., & Fazil, S. (2025). The impact of total quality management practices on project contract with the mediating role of transformational leadership and the moderating role of job satisfaction. Journal of Management & Social Science, 2(2), 50-85. https://doi.org/10.63075/xv274025
2. Fazil, S., Iqbal, N., & Wahab, F. U. (2025). Theoretical aspects of internal and external determinants of firm performance: Insights from developing economies. International Journal of Social Sciences Bulletin, 3(2), 546-557. https://doi.org/10.5281/zenodo.14942851
3. Fazil, S., Mubarik, F., & Gul, F. (2024a). Intellectual capital efficiency and firm performance in Pakistan and Turkey: A moderating role of industry concentration. Journal of Business and Management Research, 3(2), 422-452. https://www.jbmrresearch.com/index.php/Journal/article/view/246
4. Fazil, S., Mubarik, F., & Gul, F. (2024b). Intellectual capital, climate risk and financial performance: Firm level analysis. International Journal of Social Science Archives, 7(1), 382-394. https://www.ijssa.com/index.php/ijssa/article/view/245
5. Fazil, S., Wahab, F. U., & Iqbal, N. (2026). Artificial intelligence and financial decision-making: A conceptual framework for organisational financial governance. Bulletin of Management Review, 3(1), 898-929. https://bmrjournal.com/index.php/Journal/article/download/277/268/497
6. Iqbal, N., Akhtar, Z. M., Fazil, S., & Wahab, F. U. (2026). What is abnormal in abnormal returns? Regional Lens, 5(1), 253-264. https://doi.org/10.55737/rl.2025.41191
7. Iqbal, N., & Fazil, S. (2025). Theoretical foundation of investor sentiments and stock returns in the Pakistan Stock Exchange. Qualitative Research Review Letter, 3(3), 51-74. https://qrrljournal.com/index.php/Journal/article/download/81/86
8. Iqbal, N., Fazil, S., & Wahab, F. U. (2025). Dividends and investment decisions: A case of Pakistan. UW Journal of Management Sciences, 9(2), 84-106. https://doi.org/10.56220/uwjms.v9i2.277
9. Kumari, A., Fazil, S., & Iqbal, N. (2025). Determinants shaping choices for robo and human advisors in the German financial market: A theoretical review. Journal of Finance and Accounting Research, 7(2), 93-115. https://doi.org/10.32350/jfar.72.04
10. Kumari, A., Iqbal, N., & Fazil, S. (2024). Determinants shaping choices for robo and human advisors in the German financial market: The analysis of retail consumers. International Journal of Management Research and Emerging Sciences, 14(4), 44-63. https://doi.org/10.56536/ijmres.v14i4.668
11. Wahab, F. U., Amin, M. S., & Fazil, S. (2025). Climate change damages to agricultural loan recoveries and financial stability: A fresh insight from a developing country. Pakistan Social Sciences Review, 9(1), 241-254. https://doi.org/10.35484/pssr.2025(9-I)19
12. Wahab, F. U., Fazil, S., & Iqbal, N. (2026). Shadow banking and financial stability: A theoretical comparison between developed and developing markets. Journal of Management Science Research Review, 5(1), 2118-2133. https://jmsrr.com/index.php/Journal/article/view/472
13. Wahab, F. U., Iqbal, N., & Fazil, S. (2026). Semi-strong market efficiency and post-COVID investor reactions to dividend announcements: Evidence from developed markets. Advance Journal of Econometrics and Finance, 4(1), 555-574. https://doi.org/10.63075/ws00zy48

Interests

• Intellectual Capital & Firm Performance
• Financial Decision-Making & AI
• Corporate Financial Governance
• Stock Returns & Investor Sentiment
• Market Efficiency & Abnormal Returns
• Dividend Policy & Investment Decisions
• Robo-Advisory & FinTech
• Climate Risk & Financial Performance
• Shadow Banking & Financial Stability
• Total Quality Management (TQM)
• Transformational Leadership
• Agricultural Finance & Loan Recovery
• Industry Concentration & Firm Performance