Ammar Habib Khan was a nonresident senior fellow at the Atlantic Council’s South Asia Center as well as the chief executive officer at CreditBook Financial Services, which is the financial services arm of the fintech company CreditBook. He is also a member of the tariff determination committee of the Thar Coal Energy Board and plays a critical role in the development and roll-out of indigenized energy policy in Pakistan. Earlier, Khan was the group chief risk officer at Karandaaz Pakistan, an entity—backed by the UK Foreign, Commonwealth, and Development Office and the Bill and Melinda Gates Foundation—that focused on enabling access to finance for small and medium-size enterprises (SME) and on digital financial inclusion. During the same time, he was also the chief executive officer of the National Credit Guarantee Company, a financial institution established to extend credit guarantees for SME credit. Before that, he worked with the largest asset manager in Pakistan as a chief risk officer, as well as at HSBC Holdings in varying roles in sovereign risk and credit risk assessment. In addition, he has been a consultant to multiple energy projects—from coal mines to liquified-natural-gas power plants—and terminals, with an accumulated ticket size of more than fifteen billion dollars. Having worked in projects across the energy value chain, Khan has an in-depth understanding of the intricacies of the sector. Khan writes regularly for major Pakistani and international publications and gets quoted regularly in media outlets such as the Financial Times, Le Monde, BBC, CNN, and others.

A chartered financial analyst, as well as a certified financial risk manager, with a graduate degree in macroeconomic policy, Khan has worked across the spectrum of financial institutions, from banks to public equities, private equities, and impact investment firms—and also across the energy sector. Khan also recently completed a certification in sustainability and climate risk, expanding his knowledge base to assess, evaluate, and configure policies in view of an omnipresent climate risk.