A Certified Public Accountant, BBA Finance and BBA Accounting from USA. He specializes in the field of Investment Advising and Financial Consulting. He is also an active director of C&K Management Associates, a management consulting firm, an associated company of Standard Capital Securities.

A veteran of Pakistan's financial markets, Mr. Rafiq has dedicated 34 years to the Pakistan Stock Exchange, specializing in trading operations. His comprehensive understanding of market dynamics and trading mechanisms has been instrumental in shaping market practices and mentoring the next generation of financial professionals.

With two decades of experience at the Pakistan Stock Exchange (PSX), Mr. Kapdia brings deep market insight and technical expertise to our leadership team. A Computer Science graduate, he combines strong technical foundations with extensive practical knowledge of Pakistan's capital markets.