Strategy · Finance · Advisory

Ghulam Murtaza Memon

Strategy leadFinancial advisorEntrepreneurCraftsman

Ten years across banking, e-commerce, Saudi tenders and national payments infrastructure. By day I lead strategy at NIFT. I also advise businesses through MIC, teach money in plain language through Ketra Paisa, and build by hand every winter.

Ghulam Murtaza Memon
Strategy & Project Management LeadNIFT · Karachi, Pakistan
10+years in finance & strategy
$50M+contract wins enabled
90+advisory clients
30+initiatives in current portfolio
3markets: PK · KSA · UAE
Career

A decade across banking, e-commerce and national infrastructure.

Finance roles that grew into strategy, cross-border tendering and large-scale transformation, with an independent practice running alongside since 2019.

Mar 2026 – nowStrategy & Project Management LeadNIFT: National Institutional Facilitation TechnologiesPK30+ initiatives · PMO setup
2019 – nowIndependent Financial AdvisorOwn practice, now MICPK · REMOTE90+ clients
2024 – 2025Senior ConsultantLocalEyes | Ash & Maple ManagementKSA$50M+ wins · 90% success
2023Finance & Operational ConsultantOFS Cargo ServicesUAE35% faster clearances
2020 – 2021Financial ConsultantZip24MENA · PK$1.2M Series A model
2018 – 2020Assistant Manager, Central FinanceSummit Bank LimitedPKCore banking upgrade PMO
2015 – 2018Regional Finance AssociateDaraz | Alibaba GroupASIAERP migration
CIMA UKAdvanced Diploma in Management Accounting
BBA (Hons)UK NARIC recognised
Diploma in AI & StrategyStrategy and applied AI
McKinsey ForwardLeadership programme
Employee of the MonthDaraz | Alibaba Group · June 2018
Selected work

Results that speak in numbers.

A few engagements, each summed up by the outcome that mattered most.

Tender strategy · KSA2024–25
$50M+

Saudi contract wins for 5+ global pharma & medtech multinationals

Financial advisory and tender strategy with a 90% success rate, plus localization plans aligned to Saudi Economic Participation policy that cut approval delays by 40%.

PMO · NIFT2026
30+

Initiatives under one governance framework

Building NIFT's PMO from scratch across digital payments and infrastructure modernization.

Fundraising · Zip242020–21
$1.2M

Series A, backed by my 5-year model

Also led the ownership transition from the USA to the UAE.

Operations · UAE2023
35%

Fewer customs clearance delays

Redesigned cross-border workflows and automated JAFZA processes, cutting processing time by 20%.

Advisory · Pakistan2019–now
90+

Clients advised independently

SMEs, startups and individuals: structuring, tax, ERP and investor-ready models.

2×

Systems migrations at Daraz and Summit Bank

Led the QuickBooks → Microsoft Dynamics migration at Daraz and the finance-side PMO for Summit Bank's core banking upgrade.

See the full case studies →
MIC
Consulting services

Practical finance support for people and growing businesses.

Hands-on advisory for individuals, freelancers, SMEs and startups, built on 90+ client engagements. Starting prices are shown where a service is standard; everything else is quoted on your case.

1

Tax Filing & Compliance

from Rs 5,000

Income tax returns, wealth statements, ATL status, sales tax and FBR notices, handled end to end.

2

Business Registration

from Rs 500
NTN registrationRs 500
Sole proprietorshipRs 5,000
Partnership / AOPRs 20,000
Private Limited companyRs 25,000
3

Financial Consultancy

Monthly retainers

Budgeting, forecasting, investor-ready models and retained advisory, like a part-time finance head.

4

ERP Implementation

Quote

QuickBooks, Zoho, Microsoft Dynamics or SAP: selection, setup, chart of accounts and reporting.

5

Process Automation

Quote

Automated invoicing, reconciliations and Power BI dashboards that take manual work off your plate.

6

Investment & Wealth Planning

Quote

Goal-based planning, savings structure and a clear view of your options across Pakistani instruments.

Starting prices in PKR. Final fee depends on the scope of your case.

Recent corporate clients
The B TeamCompany registration · Tax filing · Consultancy
AYJ SolutionsQuickBooks implementation In progress
Horizon Nexus TradersCompany registration
Harvest ExportersPartnership registration
Carbon DesignTax filing · Consultancy
GlamprrTax filing
All services, process and FAQs →
Financial literacy
Ketra Paisa?

Money, explained the way school should have. Tax, saving, investing and the economy for everyday Pakistanis, with no jargon.

Follow @ketrapaisa ↗
● Live

Bite-size money lessons

Visual explainers on filer status, tax slabs, inflation and building wealth, one post at a time.

See the latest →
● Live

Salary Tax Calculator

Your monthly and annual tax under the latest FBR slabs, in seconds.

Monthly salary · Rs 150,000 → tax Rs 6,000
Calculate my tax →
Coming soon

Ketra Paisa AI

Ask money questions in English or Roman Urdu.

Filer banna zaroori hai?Short answer: haan. Here's what it saves you…
Ventures

Built by hand, for the events season.

Every winter I step away from spreadsheets to work with wood and fire, building for Karachi's events industry.

Sanvaaro logo
Made to orderEvents

SanvaaroFurniture & craftsmanship

Handcrafted event furniture and décor pieces, built by hand for the winter season.

Co-founded with Baresham Ali Khan, event designer and founder of The B Team.

@sanvaaro ↗
PGH Portable Grill House logo
Winter seasonEvents

PGHPortable Grill House · Live BBQ stations

Live grill setups for weddings, corporate events and private gatherings.

Co-founded with Abid Memon, a mechanical engineer turned chef with a master's in food engineering.

@portablegrillhouse ↗
More about the ventures →
Contact

Let's talk about what you're building.

© 2026 Ghulam Murtaza Memon · Karachi, Pakistanmurtazamemon.com