Canada
Traditional macroeconomic models rely heavily on backward-looking indicators like GDP—missing structural country risk, hidden sovereign fragility, and real-world citizen affordability. I am the Chief Economist, Developer & Founder of the HEART Score Economic Model (HEART, HEART-AI), a proprietary, IP-protected asset registered with the Government of Canada. HEART-AI is an advanced, AI-integrated sovereign economic performance and country ranking model, built to evaluate country resilience and affordability for institutional investors and global organizations. I bring 27+ years of banking experience, including around a decade at Emirates NBD in corporate and investment banking, working with governments, large corporates, and financial institutions across multiple markets. I also have 3+ years of teaching experience in Business Administration and Management at Canadian institutions, and fractional consulting experience focused on sovereign, corporate, institutional and public-sector debt management—covering debt strategy, risk, sustainability, and the use of data- and AI-enabled tools in decision-making. HEART is not a replacement for existing sovereign rating or risk models. It is a complementary, proprietary overlay that sits on top of traditional indicators and ratings, adding an extra layer of insight on household strength, economic performance and momentum, affordability pressures and cost-of-living stress, resilience to shocks and sustainability of growth, and trade and external sector dynamics. Recent Milestones & Validation: Globally Ranked #2 by GROK-AI for my comprehensive SpaceX & IPO Deep Dive Report (June 22, 2026), scoring 8.7/10 and outperforming institutional analytics from Morningstar at 8.4. Strategic Insight Report “India 2026 – HEART Economic Deep Dive Report (July 9, 2026)” evaluated under a Google Advanced AI macro stress-testing framework, earning a 9.4/10 (Grade: A+). It demonstrates how HEART decouples macro resilience from household affordability to decode India’s “two-speed economy” and maps a data-driven path from “Vulnerable Follower” to “Strong Follower” by 2030. I am particularly interested in conversations with institutional investors, AI and data pioneers, hyperscalers, and strategic partners exploring differentiated sovereign analytics and AI-enabled overlays on existing risk and rating frameworks. I am open to collaboration, fractional consulting engagements, and selective discussions around scaling and deploying HEART-AI. Contact: [email protected]
Founder & Chief Economist · Proprietary Innovation: Authored, engineered, and secured official Canadian Intellectual Property (IP) protection for the HEART SCORE ECONOMIC MODEL (HEART), an AI-era Economic performance system tailored for sovereign and sub sovereign entities. · Institutional Alignment: Structured the framework as a complementary macro-overlay designed to serve and support sovereign nations, global institutions and the world's 12 major sovereign evaluation institutions (World Bank, IMF, WEF, OECD, Moody’s, Fitch, S&P etc.). · Geopolitical Doctrines: Formulated the qualitative HEART USC Doctrine for superpower economic alignment and coined the macro-economic "ECOWARNATION" risk framework. · Thought Leadership: Published a 9-part macroeconomic intelligence series on Medium outlining HEART and its philosophy.
• Train students in business concepts focusing on Marketing, Finance, Entrepreneurship, Human Resources, International Business, Banking, Supply Chain, Strategy & leading towards obtaining Ontario College Diploma / Ontario College Graduate Certificate • Prepare lessons and bring creativity, ethics, and work experience to the classroom as well as hybrid learning. • Broadly, coaching students, managing their performance, and ensuring their success.
Besides managing family-owned consulting company, in a bid to diversify professional experience, during 2022, have joined being a faculty member with CDI-Algonquin College Canada to teach Business Management. Role to include: -Train students in business concepts focusing on marketing, finance, entrepreneurship, strategy & leading towards obtaining Ontario College Diploma / Ontario College Graduate Certificate -Prepare lessons and bring creativity, ethics, and work experience to the classroom. -Broadly, coaching students, managing their performance, and ensuring their success
A faculty member of CDI-Algonquin College, North York, Canada and teaching Business Management.
Member of a UK based global consultancy company namely Link associate group providing advisory services to international clients on all functional areas of business including debt management. Please visit www.linkassociategroup.com for detailed information about the services being extended to clients from diverse industry segments. Working remotely from Canada.