Muhammad Ashfaq-Ur-Rehman is a qualified executive with over 19 years experience linked to management consulting, retail banking, takaful & insurance. He graduated from Cass Business School with major in advance strategy analysis, management decision making and relationship management & marketing. He has expanded his knowledge horizon by having qualifications in insurance, Islamic finance, private equity, investment strategy and Innovation & Since Feb, 2012, He has been running an independent strategy house that offers consulting & advisory services to the senior management of financial institutions i.e. Retail banks, Insurers/Takaful operators, Insurance Brokerage firms, Wealth Management and Bancassurance boutiques. With an extensive hands-on working experience in the financial services industry across geographies, He claims to be a problem–solver who can envision, formulate and recommend effective and efficient solutions to his clients. His focused area of activities is as follows; to work with the boards of Insurers and Takaful operators to offer them technical as well as strategic assistance in order to improve the top line & bottom line within risk-controlled environment for their firms. Based on the firm’s values, mission & vision, he helps in strategy devising, executing, monitoring and then reviewing that to ensure the focus remains intact in order to achieve corporate objectives. to assist in forging partnerships and strategic alliances including international market expansion and cross vertical business integration to extract real value through sales & distribution strategy, performance improvement, product development/management, change management, business process re-engineering, custome