Dr. Bilal Pandow
Climate finance and financial forecasting expert
location_on Bahrain
About Bilal
With over 20 years of research and professional experience spanning education, finance, banking, media, and the development sector, I bring a rich, interdisciplinary perspective to my academic and consulting roles.
Services Offered
Research
Gain insights and make informed decisions with our expert research services. We offer in-depth market research, data analysis, and academic studies to support your strategic goals. Whether you're exploring trends, evaluating competitors, or understanding customer needs, we provide the knowledge you need to move forward.
Market Research
Study of market trends, customer preferences, competitive landscape, and demand to inform business strategy and product development.
Digital Strategy Consulting
Guidance on digital transformation, platform selection, tech adoption, and aligning digital tools with business objectives.
Go-to-Market Strategy Consulting
Planning and execution of market entry, including customer segmentation, positioning, pricing, and channel strategy.
Product Evaluation
Objective assessment of a product’s performance, usability, and market fit through testing, reviews, and benchmarking.
Expertise
Professional Summary
With an extensive career spanning academia and industry, this professional brings a profound depth of experience in financial research, education, and curriculum development. Currently serving as an Associate and Assistant Professor at Bahrain Polytechnic, they have uniquely contributed to research-driven projects and advanced educational programs, garnering accolades such as Best Researcher of the Year-2024. Their tenure includes significant roles such as Director of Curriculum at Kids Campus International School and Consultant at the University of Kashmir, where they excelled in student services and academic-industry alliances. Earlier engagements at institutions like Middle East College in Oman further highlight their capacity in securing research grants and fostering international collaborations.
Work History
Associate Professor
Bahrain Polytechnic
2023 - Present
- Member of the Applied Research and Enterprise Committee, contributing to research-driven projects and industry engagement. Developed a specialized course titled ‘Machine Learning for Financial Forecasting and Valuation,’ in collaboration with Shanghai University for the MSc in Financial Intelligence program.
Assistant Professor
Bahrain Polytechnic
2023 - Present
- Course Coordinator for International Finance and Internships, advancing research initiatives with a focus on applied finance. Member of the research committee enhancing PhD and Masters programs. Engaged in research projects on FinTech, Islamic Finance, and Sustainable Finance. Recognized as Best Researcher of the Year-2024 and Best Emerging Researcher of the Polytechnic award for 2023. Serving as a Sectary of the Chess and Board Games at the Polytechnic.
Director Curriculum
Kids Campus International School
2022 - 2023
- Spearheaded planning, development, and execution of innovative curriculum programs. Crafted lesson plans and educational materials. Engaged in staff development workshops and collaborated with stakeholders to optimize curriculum design.
Consultant-Students Services (Assistant Professor rank)
Centre for Career Planning and Counselling, University of Kashmir
2020 - 2022
- Focused on student services, industry linkage, quality assurance, resource mobilization, webinars, and workshops. Secured funding for civil service coaching and signed MoUs with leading corporates. Taught Accounting, Banking and Finance, and related courses.
Senior Lecturer/Research Coordinator
Middle East College, Muscat, Oman
2016 - 2018
- Taught courses such as Principles of Accounting, Finance, and Financial Management. Secured funding grant from UK’s Science Innovation and Knowledge Economy Programme. Supported academic collaboration between UK and Gulf.
Lecturer
The Business School, University of Kashmir
2015 - 2016
- Taught courses including International Finance, Project Planning, and Financial Management.
Placement Officer/Lecturer
Department of Business and Financial Studies, University of Kashmir
2010 - 2015
- Managed student placements, industry interface, career events, and fundraising. Taught Project Planning and Financial Management.
Deputy Director
Infinity Access Group, Srinagar (J&K)
2009 - 2010
- Engaged in financial planning, strategy, forecasting, and secured loans. Managed all financial reporting of the firm.
Assistant Manager
HDFC Bank, Kashmir
2008 - 2009
- Worked on administration, budgeting, financial analysis, management, resource allocation, and brand building.
Financial Researcher
iLocus, Kashmir
2004 - 2005
- Conducted financial trend analysis for emerging tech companies. Contributed to market share reports reaching over 12,000 subscribers across Europe, US, and Asia Pacific.
Education Summary
This individual has a comprehensive educational background in financial studies and related fields, highlighted by a Ph.D. in Financial Studies from the University of Kashmir, where their research focused on the liquidity and volatility associated with stock splits. Their academic journey includes notable postdoctoral endeavors, such as participating in a Post-Doctoral Program at the European Scientific Institute, Grigol Robakidze University, and serving as a Research Fellow at INTI International University. Complementing their financial expertise, they hold an MPhil from the University of Kashmir and a diversified array of postgraduate diplomas, extending their proficiency to journalism, cost accountancy, and computer applications.
Education History
Post-Doctoral Program
European Scientific Institute (ESI), Grigol Robakidze University, Tbilisi, Georgia
2025 - Present
Research Fellow
INTI International University, Malaysia
2025 - Present
Ph.D. (Financial Studies)
University of Kashmir, Srinagar
2025
Thesis: Spillover effects of stock split: An analysis of liquidity and volatility
MPhil. (Financial Studies)
University of Kashmir, Srinagar
2025
Thesis: Market Timing, Stock Selectivity, and Performance of Mutual Funds in India
MFC. (Master’s in Finance and Control)
University of Kashmir, Srinagar
2025
PGDJC. (Post Graduate Diploma in Journalism and Mass Communication)
IGNOU, New Delhi
2025
PGDCA. (Post Graduate Diploma in Cost Accountancy)
University of Kashmir, Srinagar
2025
PGDCA. (Post Graduate Diploma in Computer Application)
DOEACC Society, New Delhi
2025
B.Sc. (Environmental Science and Water Management)
University of Kashmir, Srinagar
2025
Publications Summary
The publication record encompasses a diverse array of scholarly works, including journal articles, book chapters, and books, spanning key topics in finance, technology, and economic development. Noteworthy publications include journal articles featured in prestigious journals such as Studies in Economics and Finance, Pacific Business Review (International), and Business Perspectives and Research, addressing critical financial issues like geopolitical impacts on markets, stock splits, and fintech transformations. Books such as "MoneyVilla: Learn to be Money Smart," published by Vitasta Publishing, and "A to Z of FINANCE for CHILDREN," published by Wular Publications, highlight contributions towards financial literacy among children. Moreover, book chapters published by reputable publishers such as Wiley and Taylor & Francis Group explore advanced themes like blockchain, artificial intelligence in finance, and IoT-enabled financial inclusion, underscoring the author's engagement with cutting-edge innovations and policy implications in the global financial landscape. This extensive publication portfolio reflects a commitment to advancing knowledge in financial systems, economic analysis, and technological applications within critical and evolving global contexts.
Published Works
MoneyVilla: Learn to be Money Smart (Children story book to learn finance concepts)
BookA to Z of FINANCE for CHILDREN
BookGeopolitical turbulence and market reactions: examining the effects of conflicts on stock markets through geographic proximity and trade relations
Journal ArticleEthical Dilemma of Stock Splits in China: Opportunistic Signaling vs. Liquidity Enhancement
Journal ArticleImpact of the Russia-Ukraine War on Small and Medium Sector in Southeast Asia and China
Journal ArticleImpact of COVID-19 on Banking and the Imperative for FinTech and Digital Transformation: A Case Study
Journal ArticleThe Effect of Stock Splits on Liquidity: Evidence from China
Journal ArticleImpact of drop in crude oil prices on Oman’s stock market: An analysis of volatility
Journal ArticleInternet of Things: Financial Perspective and its associated security concerns
Journal ArticleEconomic benefits of implementing cloud in higher education institutions: a reflection
Journal ArticleStock Splits: A Review, Reconceptualization and Extension
Journal ArticleInfluence of fiscal policy on GDP: an empirical study of GCC countries
Journal ArticleEvaluation of a Flipped Classroom Model: A Case Study from Oman
Journal ArticleEmployability through networking: a way forward
Journal ArticleImpact of Share Splits on Stock Returns: Evidences from India
Journal ArticleAn Event Study Analysis of Stock Splits in Indian Stock Market: Sectoral Response
Journal ArticleGender, entrepreneurship and socioeconomic reparation in Jammu & Kashmir
Journal ArticlePersistent Performance of Fund Managers: An analysis of selection and timing skills
Journal ArticleGrowth and performance of Indian mutual funds industry
Journal ArticleRisk and Return Analysis of Mutual Fund Industry in India
Journal ArticlePerformance of Mutual Funds in India
Journal ArticleSelectivity skills of mutual fund managers in India: an analysis
Journal ArticleMarket Timing Ability of Fund Managers in India: An Analysis
Journal ArticleAn analysis into the stock selectivity skill of Indian Fund Managers
Journal ArticleA Deep Learning Approach for the Detection of Zero-day Attacks
Book ChapterCan Blockchain Technology Be an Enabler for Climate Finance?
Book ChapterIoT-Enabled Financial Inclusion: Challenges, Opportunities, and Policy Implications
Book ChapterRevolutionizing Finance: The Impact of AI-Driven Innovations
Book ChapterUnderstanding Financial Impact of Machine and Deep Learning in Healthcare: An Analysis
Book ChapterDevelopment and Diversification: A case study of Sultanate of Oman
Book ChapterEvaluating Inclination of Youth to Start Enterprise: A Study in Oman
Book ChapterInternational Practices and Situating Public Debt Management in Oman
Book ChapterDeveloping an Interest-Free Financial System in India: Need for Evolving a Qualified Workforce
Book ChapterRole of Micro Finance in Conflict Zones: A case study of Kashmir
Book ChapterFrom Algorithms to Assets: The Disruptive Influence of DeepSeek and ChatGPT on GCC Capital Markets
Conference PaperImpact of Donald Trump’s 2024 Election Result on Artificial Intelligence Stock Returns and Global Sustainability
Conference PaperPrompt Engineering: Optimization Comparison between ChatGPT and DeepSeek in Portfolio Selection
Conference PaperRevolutionizing Audit and Accounting: The Transformative Impact of AI on Accuracy, Fraud Detection, and Efficiency in the MENA Region
Conference PaperMachine Learning approaches for Enhanced Portfolio Optimization: A Comparative Study of Regularization and Cross-Validation Techniques
Conference PaperA Review on AI-powered Advancements in Climate Finance and its Impact
Conference PaperStock splits: A review of theory and empirical work
Conference PaperEconomic hurdle for implementation of cloud computing in higher education in Sultanate of Oman
Conference PaperEvaluating Inclination of Youth to Start Enterprise: A Study in Oman
Conference PaperAn analysis into stock selectivity skill of Indian fund managers
Conference PaperGender, Entrepreneurship and socio-economic reparation in Jammu and Kashmir
Conference PaperInvestment, Industrial growth and Conflict in Kashmir: An Analysis
Conference PaperDeveloping an interest-free financial system in India: Need for evolving an appropriate framework for developing Islamic Finance professional
Conference PaperRole of microfinance in conflict zones: A case study of Kashmir
Conference PaperSpillover effects of stock split: An analysis of liquidity and volatility
ThesisApplying Blockchain Technology: Concepts and Trends
BookNavigating Future Finance Age
BookUntitled Publication
Journal ArticleUntitled Publication
Journal ArticleUntitled Publication
Journal ArticleUntitled Publication
Journal ArticleUntitled Publication
Journal ArticleUntitled Publication
Book ChapterNo Reviews Yet
This mentor hasn't received any reviews yet.
Certifications Summary
The individual holds an extensive array of certifications, demonstrating a profound proficiency across finance, education, climate action, and conflict resolution. Noteworthy certifications include the Personal Financial Planning accreditation from the National Association of State Boards of Accountancy, US, and AI in Finance issued by the World Bank, reflecting a strong foundation in financial acumen enhanced by cutting-edge technology. Specialized training is further evidenced by a Managing Successful Field Research certification from the World Bank Group Institute for Economic Development and the Climate Reality Leadership Corps from New Delhi. Renowned institutions such as the Asian Development Bank Institute and the International Center for Journalists add breadth to their expertise in microfinance and journalism. Their designation as an Associate Fellow by Advance Higher Education, UK, underscores a commitment to educational excellence, while long-standing credentials such as the Conflict Resolution Programme from the Henry Martyn Institute highlight an enduring dedication to peace and strategic planning.
Certifications
Personal Financial Planning
National Association of State Boards of Accountancy, US
Scaling Climate Finance
UNFCCC
AI in Finance
World Bank
Manage Successful Field Research
World Bank Group Institute for Economic Development
Associate Fellow
Advance Higher Education, UK
Certificate course in Tertiary, Teaching and Learning
Bahrain Polytechnic
Climate Reality Leadership Corps
Climate Reality Project, New Delhi
Economic Thinking for Planners and Developers
PLANETIZEN, Los Angeles, California
Certified Trainer: Microfinance training of trainers blended learning course
Asian Development Bank Institute & Tokyo Development Learning Center, the World Bank
Training course on Personal Finance for journalists
The International Center for Journalists
Conflict Resolution Programme
Henry Martyn Institute: International Center for Research
Client Reviews
No Reviews Yet
This mentor hasn't received any reviews yet.
Contact Bilal
Describe your project or learning goals to get personalized mentorship tailored to your needs.
Share Bilal's Profile
Profile Details
- person
Member since
2026
- location_on
Location
Bahrain
- language
Languages
Kashmiri, English, Urdu, Hindi, Arabic
- schedule
Availability
Available
- payments
Hourly rate
10.00$
Confidentiality Assured
Your ideas and information are protected by our strict confidentiality policy.
Find Your Perfect Mentor Match
Browse our network of expert mentors or let us help you find the right fit for your goals.