Asset-Backed Lending Product Development – Pakistan

The assignment supported the Pakistan Poverty Alleviation Fund in developing and launching a national asset-backed lending product for small and medium-sized enterprises and micro-entrepreneurs. Dr Bilal Ahmad served as Credit and Risk Consultant and led the design of the financing model, cash-flow appraisal tools, product logic, and the business plan. The work addressed regulatory issues, lender readiness, product viability, and implementation requirements for partner institutions. It also included capacity building for lenders and support for the rollout of the product across rural and urban markets. The resulting product helped partner institutions finance productive assets using stronger appraisal, repayment, and risk-management tools.