Umar Shinwari

About

I am a financial analyst with experience in macro-financial research, quantitative modeling, and risk analysis. My work has focused on understanding how economic and financial developments shape banks, financial markets, and the broader economy.

Over the past several years, I have worked on stress testing, scenario analysis, climate risk, and financial stability assessment, using large financial and macroeconomic datasets to evaluate risk and inform decision-making. I enjoy combining rigorous quantitative analysis with practical insights to understand markets, identify emerging risks, and evaluate investment-relevant themes.

I recently graduated from the Yale School of Management with a Master of Management Studies (Systemic Risk Track) and previously spent nearly five years at the Central Bank of Pakistan.

Experience

Student Data Analyst

Yale School of Management

October 2025 – May 2026

New Haven, CT

Built interactive Power BI dashboards tracking space utilization, event activity, and scheduling efficiency across Yale SOM facilities by integrating and transforming large-scale operational datasets using SQL, Power Query, and DAX, automating recurring reporting workflows and providing senior management with real-time occupancy intelligence that supported space restructuring decisions.

Senior Analyst, Financial Stability Department

Central Bank of Pakistan (State Bank of Pakistan)

December 2020 – August 2025

Karachi, Pakistan

Developed econometric models to quantify how macro-financial shocks propagate through the banking sector, capturing the transmission of GDP contractions, inflation surges, interest rate cycles, and FX depreciations into bank-level asset quality, capital adequacy, profitability, and financial intermediation capacity across Pakistan’s financial system.
Researched Pakistan’s sovereign-bank nexus, analyzing the structural concentration of government securities on bank balance sheets, crowding-out effects on private sector credit intermediation, and amplification of sovereign risk through the banking system, producing leverage stress test models that contributed to balance sheet restructuring at Pakistan’s largest systemically important institutions.
Led a comprehensive financial viability assessment of Pakistan’s microfinance banking sector at the direction of the Deputy Governor, combining cross-country benchmarking, financial statement analysis of domestic institutions, and structured CFO interviews, producing recommendations that directly informed the revised prudential regulations released in 2025.
Authored the Global and Domestic Macroeconomic Developments chapter of the Financial Stability Review for three consecutive editions (2021, 2022, 2024), delivering a full macroeconomic diagnostic spanning global growth dynamics, inflation trends, trade and commodity developments, sovereign debt sustainability, and interest rate conditions, alongside a Pakistan-specific deep-dive covering GDP, CPI, external accounts, monetary conditions, and fiscal position, supported by original data analysis, trend modeling, and publication-quality visualizations translating complex macro-financial developments into authoritative policy narrative for domestic and international audiences.

Education

Yale University · Yale School of Management

Master of Management Studies, Economics & Finance (Systemic Risk Track)

Full ScholarshipSTEM-Designated

Expected May 2026

New Haven, CT

Relevant Coursework

Applied Empirical Methods · Data Analysis & Causal Inference · Data Science · Fixed Income Strategies · Financial Regulations · Macroprudential Policy · Financial Markets & Macroeconomic Policy · Monetary Policy · Behavioral Finance · Corporate Finance · Entrepreneurial Finance · Rise of Private Finance · Systemic Risk Colloquium · Competition Economics & Policy

Pakistan Institute of Development Economics

M.Sc. Economics

GPA: 3.74 / 4.00 M.Sc. Thesis ↗

Islamabad, Pakistan

Get in Touch

Open to conversations about economic and financial research, risk analysis, policy work, and full-time opportunities starting in 2026.

Email muhammadumar.shinwari@yale.edu Umar Shinwari LinkedIn Profile Phone +1 (203) 943-1936

Location New Haven, CT