Muniza Sheikh Email and Phone Number
Forging a path less traveled, I've traded the high-stakes world of commercial banking for the dynamic frontiers of web development. My 27-year career in commercial banking and risk management honed my acumen for strategic decision-making, risk analysis, and navigating complex markets. Now, I leverage those skills as CEO of KILOBYT, leading a passionate team of tech wizards in building cutting-edge web experiences that captivate and convert. This isn't just a career shift, it's a mission to bridge the gap between financial savvy and technological innovation, driving individuals and businesses to success in the ever-evolving digital landscape. Join me on this journey as we chart a course for the future, one pixel at a time.Astute, result-oriented leader, with proven success in risk management of multi-million-dollar commercial credit portfolio. Strong credit and interpersonal skills developed from roles including direct responsibility for establishing and supervising different functions and liaison with central bank, IFC, Board Committees and regional/global commercial banking hubs. Led and participated in numerous engagements.Reviews of lending units in Asia Pacific, Far East, South Asia, Europe, Gulf and Africa regions, and of affiliates/subsidiaries including Habib Australasia Bank-Australia, Himalayan Bank-Nepal, Habib Allied International Bank-UK have given an international perspective.
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Chief Executive OfficerKilobyt Mar 2023 - Present
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Evp Head Business Risk Review & Regional Audit Head SouthSilkbank Limited (Pakistan) Nov 2008 - Jan 2023Karachi, Sind, PkReceived performance award for seven consecutive years.Position completely independent from line management is accountable for reporting its findings and recommendations to the Group Head/President/Board Committee. Joined Silkbank as part of Shaukat Tarin’s core team to set up Business Risk Review function for the new bank and was later given the additional responsibility of Regional Audit Head (South). Cultivating ties with Board, Regulators, Internal Customers, Employees and Community As Regional Audit Head contributing towards delivery and development of Group's audit strategy and actively working to raise the profile and increase the effectiveness of the audit function. Core responsibilities are to plan and direct risk based audits; report to the Audit Committee at required intervals on all significant issues, reviews, investigations etc., and provide independent and objective assurance on the management of risk and controls throughout the organization; liaise with regulators and maintain effective relationships with all stakeholders. The position is number two to Audit Group Head. -
Head Portfolio Management & PolicyHabib Bank Limited Sep 2007 - Nov 2008Karachi, Sindh, PkReceived performance award for seven consecutive years at HBL.Responsible for establishing Portfolio Management function in the bank for a portfolio of US$5.5bn with the aim to control the size and mix of portfolio through setting concentration targets and optimizing the benefits associated with diversification. Developed TOR so as to measure and benchmark portfolio management efforts. Reviewed credit proposals and undertook MIS initiatives to manage and monitor portfolios.As Policy Head developed/updated credit policies and risk management guidelines in line with regulatory/Basel II requirements. Being Member of Credit Policy Committee was involved in formulating credit posture toward various market and customer segments. -
Head Brr DivisionHabib Bank Limited Jan 2001 - Sep 2007Karachi, Sindh, PkAchieved highest performance appraisal rating for eight consecutive years.Established and progressively developed, BRR Division for US$4bn portfolio with a team of eight. Drafted Audit, BRR & Investigation Charter for the restructured Group. Developed and implemented BRR Manual to set the tone of risk review activities. Introduced guest reviewer concept to combine synergies with marketing personnel. Responsibilities included reporting findings to Group Executive/President/Board Committee and functioning of the division. Position was instrumental in reinforcing risk management and governance across HBL.
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Unit Head, Risk ManagementHabib Bank Limited Apr 1999 - Jan 2001Karachi, Sindh, PkAchieved highest performance rating for establishing Risk Management Unit and implementing Credit Policy Manual within the Group. Built Risk Management Unit with staff of four to manage US$1bn portfolio. The position was instrumental in enhancing Group’s risk management capability. Reviewed restructuring/rescheduling proposals. Conducted forensic activities for 24 non-traceable defaulters, was able to locate and initiate successful negotiations with 16.
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Corporate TreasurySmith New Court/Merrill Lynch 1995 - 1996Responsible for managing funding cost, funds position/projection and administering Investment portfolio, with staff strength of three. Position required relationship management with financial institutions, Smith New Court-Hong Kong, foreign clients and regulatory bodies. Gained valuable exposure in capital market operations; developed initiating, organizing and evaluating skills; learned to work well as a team and later on to lead the team.
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Customer Service RepresentativeState Life 1991 - 1994Karachi, Sindh, PkResponsibilities included Customer Service and data management
Muniza Sheikh Education Details
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Institute Of Digital Marketing PakistanDigital Marketing -
The Institute Of Internal Auditors UsaAuditing
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Institute Of Business AdministrationFinance & Marketing
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Fellow, Life Management Institute (Flmi) - AtlantaInsurance
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Life Office Management Association – AtlantaRelationship Management
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Karachi UniversityCommerce
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Sind Board Of Technical EducationCobol
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St Lawrence Girls High SchoolScience
Frequently Asked Questions about Muniza Sheikh
What company does Muniza Sheikh work for?
Muniza Sheikh works for Kilobyt
What is Muniza Sheikh's role at the current company?
Muniza Sheikh's current role is CEO KILOBYT, An AI powered website development and digital marketing solution.
What schools did Muniza Sheikh attend?
Muniza Sheikh attended Institute Of Digital Marketing Pakistan, The Institute Of Internal Auditors Usa, Institute Of Business Administration, Fellow, Life Management Institute (Flmi) - Atlanta, Life Office Management Association – Atlanta, Karachi University, Sind Board Of Technical Education, St Lawrence Girls High School.
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