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Muhammad Usman is an accomplished finance professional with extensive experience in the power, utilities, and infrastructure sectors. Currently serving as Associate Director at Standard Chartered Bank within the Global Industries and M&A Group since November 2021, Muhammad previously held positions at Moody's Investors Service as Associate Analyst 1 and Associate Analyst 2, focusing on ratings and research services for project finance and infrastructure. Prior experience includes working as an Energy Advisory Consultant at Mott MacDonald and as an Energy & Commercial Analyst at Vital Energi Utilities Limited. Muhammad holds a Master of Engineering in Engineering Science from the University of Oxford and a Diploma for Graduates in Economics from the University of London, alongside completing educational qualifications from the CFA Institute and St. Anthony’s High School in Lahore.