Kiran Afzal is a Private Sector Development Specialist with the World Bank’s South Asia Finance and Private Sector Development Unit, based in Pakistan Country Office for a little over five years. She has 9 years of experience in SME sector development, project management, research and report writing. Ms. Afzal began her career at the Bank as a Research Analyst and since then, has contributed to preparation, appraisal and implementation support of several projects and TA programs. She has authored three project completion reports for regional interventions in financial and private sectors. In her present role, she is working mostly on the SME financing and value chain strengthening initiatives in fragile parts of the country. In addition, she is leading a capacity building project for a capital markets institution, and a TA to the financial sector for implementing the National Anti-Money Laundering Strategy. Prior to that, she worked on private sector development and financial solutions for SMEs, at the Australian Aid, European Commission and SME Bank. She has two Masters' degrees in Business Administration and Social Policy from the Peshawar University, and London School of Economics. In her free time, she enjoys traveling, listening to music and reading books.