Zain-Ul-Abideen Moghal

Graduate analyst with expertise in the shared ownership sector, seeking a role in risk analysis. Innovative problem-solver and proficient in data analytics to offer solutions and influence business decision-making. Proactive and productive under pressure to complete tasks to high standards within deadlines. Exceptional attention to detail and an ability to present meaningful insights from complex data.

Graduate Analyst, Heylo Housing

Risk (July 2025 - Present)

• Performed investment risk analysis using advanced data analytics tools to facilitate decision-making across three large portfolios.
• Initiated modelling of arrears forecasting
• Collaborated on credit analysis project - cleaning and analysing credit data to identify key trends and risk drivers to optimise risk strategies and enhance customer credit policy
• Organised quarterly RGAC meetings and conducted minute-taking
• Assisted in internal audit preparation and liaised with external lead auditors in order to achieve the scope and meet the target compliance
• Conducted Data Protection Review to identify gaps in data retention and data minimisation practises
• Assisted in robusting AML Due Diligence by proposing strengthening controls.
• Created a report on streamlined identification of arrears issues

Governance (Jan 2026 - Present)

• Supported the team in organising board and committee meetings
• Led project to change registered office supplier to meet operational and legal requirements of the business

Operational Risk (July 2025 - Jan 2026)

• Analysed an average of 10 weekly incidents using One Advanced, identifying root causes and recommending business process improvements.
• Conducted key control test for the staircasing process, identifying and addressing process gaps, leading to a 35% reduction in operational errors.
• Supported cross-functional teams in business transformation projects, implementing automation in system/technology transitions and apply innovation to seamless operational improvements.

Estate Management (Jan - July 2025)

• Maintained a perfect record for processing invoice expenditure, ensuring 100% accuracy and timely submission.
• Ensured 100% compliance with health and safety assessments, meeting all regulatory requirements.
• Conducted in-depth analytical reviews of managing agents' performance, driving improvements to enhance customer satisfaction.

University Experience

Macroeconomic Analyst, University Of Manchester Investment Fund (2021-2022)

• Reported thematic and quantitative analysis of current macroeconomic trends to assist in the asset allocation of the investment fund.
• Forecasted leading indicators of world economic development, including trade, commodity prices and investments.

Oversight Team Leader, University Of Manchester Investment Fund (2020-2021)

• Supervised team to perform equity analysis and report long-term investment opportunities.
• Assisted the President in investment decisions and mitigation strategies of the fund.

• Communication, Interpersonal and Collaboration
• Precise attention to detail
• Inquisitive, Agile and Independant learner
• Problem-Solving Aptitude
• Data Analysis
• Proficiency with R software and Microsoft Office
• Organisation and Time Management
• Report Making